Hoist Finance AB (0R65) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Hoist Finance AB SEK 278, price SEK 197, upside +40.8%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Hoist Finance AB (publ), a credit market company, engages in the loan acquisition and management operations in Europe. It operates through Unsecured and Secured segments.
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Hoist Finance AB (publ), a credit market company, engages in the loan acquisition and management operations in Europe. It operates through Unsecured and Secured segments. The company purchases performing and non-performing loans from its partners, international banks, and financial institutions; responsible for secured non-performing loans, including recovery activities, call centre and collateral management. It also provides debt restructuring solutions. In addition, it offers savings, current, and fixed-term deposit account. The company was formerly known as Hoist International AB (publ) and changed its name to Hoist Finance AB (publ) in January 2015. Hoist Finance AB (publ) was incorporated in 1915 and is headquartered in Stockholm, Sweden.
Stock analysis
Hoist Finance AB (0R65) currently trades at kr 197.30, while our model-based Fair Value estimate is kr 277.78, implying the stock looks roughly 29.0% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of kr 1,634 per share, and 10 of the 19 models we run sit above the kr 197.30 price.
Bear case: the Multiples group reads lowest at kr 56.08, and 9 of the 19 models stay below the price. Evidence for this calculation is high.
Scenario range: kr 214.72 (bear) to kr 277.78 (bull), the price of kr 197.30 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 44/100 (below-average quality), in the Industrials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Hoist Finance AB reported revenue of 2.8B SEK in FY2020 versus 2.1B SEK in FY2016, a compound +7.2%/yr. Reported net income was 41.0M SEK in FY2020, compounding −44.0%/yr from FY2016.
Key figures
Market cap 2.5B SEK (≈ $244M) · P/S ratio 0.49 · Net margin 1.5% · Return on equity 17.7% · Return on assets (EBIT) 1.8% · Operating margin 43.8% · Revenue (TTM) 5.0B SEK · Revenue growth (YoY) +42.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 117% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −44% fair-value upside, at 41%, 0R65 screens cheaper than that median.
Fair Value models
Bear kr 214.72Fair Value kr 277.78Bull kr 277.78
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.67/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−3.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.1%
’16
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
20.9% (2016) → 0.9% (2020)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Hoist Finance AB Fair Value". https://www.fairvalue-calculator.com/stock/0R65
Frequently asked questions
Is Hoist Finance AB (0R65) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of kr 277.78 versus a price of kr 197.30, about +41% upside (undervalued).
What is the fair value of 0R65?
Our model-based fair value for Hoist Finance AB is kr 277.78 (as of Sep 24, 2026), built from audited fundamentals. The current price: kr 197.30.
What is the quality score of 0R65?
Hoist Finance AB has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Hoist Finance AB (0R65)?
Our model-based price target is the fair value of kr 277.78 (as of Sep 24, 2026) from 19 valuation models. Cautious scenario kr 214.72, optimistic scenario kr 277.78. It is a calculation from audited fundamentals, not an analyst target.
What is the Hoist Finance AB stock forecast for 2026?
Our models put fair value at kr 277.78, about +41% upside versus a price of kr 197.30 (undervalued). Cautious scenario kr 214.72, optimistic scenario kr 277.78. The calculation is refreshed regularly with new filings.
What is the revenue of Hoist Finance AB (0R65)?
Hoist Finance AB reported trailing-twelve-month revenue of about 5.0B SEK (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Hoist Finance AB (0R65)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hoist Finance AB it is kr 277.78 per share (as of Sep 24, 2026), against a price of kr 197.30. It is the blended result of 19 valuation models (cash flow, earnings, asset, dividend).
Is Hoist Finance AB stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0R65 trades below its calculated fair value: price kr 197.30, fair value kr 277.78, a gap of about +41% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0R65?
No. The price is what the market pays today (kr 197.30); the fair value is what the company's own numbers justify (kr 277.78). For Hoist Finance AB the two are kr 80.48 per share apart. That gap is exactly why we show both numbers side by side.
How much is Hoist Finance AB worth?
The market values Hoist Finance AB at about 2.5B SEK (market capitalisation, as of Sep 24, 2026). Per share that is kr 197.30; our models calculate a fair value of kr 277.78 per share.
What do the bullish and bearish scenarios say about 0R65?
Our models span a range for Hoist Finance AB: cautious scenario kr 214.72, base kr 277.78, optimistic kr 277.78 per share (as of Sep 24, 2026, price kr 197.30). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 0R65 from its 52-week high?
Hoist Finance AB trades at kr 197.30, about 10% below its 52-week high of kr 220.10 and 117% above the low of kr 90.83 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of kr 277.78 is for.
Which stocks are comparable to Hoist Finance AB?
From the same area (Industrials) we also value CHEMTECH, INLCM, Contemporary Amperex Technology Co, Delta Electronics (Thailand) Public Company, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Hoist Finance AB stock attractive at the current price?
The data as of Sep 24, 2026: price kr 197.30, calculated fair value kr 277.78 (+41%), Quality Score 44/100, from 19 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0R65 calculated?
We run Hoist Finance AB through 19 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of kr 277.78, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Hoist Finance AB currently trades 29 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Hoist Finance AB (0R65)?
The closing price on Oct 2, 2026 was kr 197.30. Our model-based fair value is kr 277.78, about +41% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hoist Finance AB right now?
The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (kr 214.72). The market is more pessimistic than our downside scenario.
Key figures of Hoist Finance AB
How large is the market capitalisation of Hoist Finance AB (0R65)?
The market capitalisation of Hoist Finance AB is 2.5B SEK (≈ $244M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Hoist Finance AB (0R65)?
The price-to-sales ratio of Hoist Finance AB is 0.49 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Hoist Finance AB (0R65)?
The net margin of Hoist Finance AB is 1.5% (fiscal year 2020). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Hoist Finance AB (0R65)?
The return on equity (ROE) of Hoist Finance AB is 17.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Hoist Finance AB (0R65)?
On an EBIT basis the return on assets of Hoist Finance AB is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Hoist Finance AB (0R65)?
The operating margin of Hoist Finance AB is 43.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hoist Finance AB (0R65)?
Revenue at Hoist Finance AB is growing +42.2% versus a year earlier (3y avg +6.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Hoist Finance AB (0R65)?
Earnings per share at Hoist Finance AB are growing +66.5% versus a year earlier. How much earnings per share grew versus a year earlier.
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