Hoist Finance AB (HOFI) Fair Value & Analysis
Financial Services · SE · Market cap 15.5B SEK
Fair value as of: Jul 16, 2026
From 10 valuation models · updated 24 days ago
Share price +21.7% over the past month.
Below-average quality, and screening another 21% overvalued on our models.
What matters now
- Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The model range is unusually wide (kr 127.03 to kr 385.95). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range kr 19.97 – kr 219.20 · fair‑value band kr 127.03 – kr 385.95 · the kr 214.40 price screens above the kr 169.37 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Hoist Finance AB (HOFI) currently trades at kr 214.40, while our model-based Fair Value estimate is kr 169.37, implying the stock looks roughly 21.0% overvalued today. The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Hoist Finance AB generated revenue of 4.6B SEK at a net margin of 26.5%. Revenue grew 15.8% year over year. It earns a return on equity of 17.7%. Net debt stands at 10.8B SEK. Fundamentals as of Jul 16, 2026
Our scenario range runs from kr 127.03 (bear case) to kr 385.95 (bull case); at kr 214.40, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 170% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -21%, HOFI screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 10 models by family
Widest divergence: Growth DCF (kr 1,602) versus Asset-Based (kr 47.49). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 38 · Market factors (momentum, volatility) 83
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Hoist Finance AB reported revenue of kr 5.8B in FY2025 versus kr 2.5B in FY2021, a compound +23.1%/yr. Reported net income was kr 1.1B in FY2025.
HOFI screens 21% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 333 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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