Hoist Finance AB (publ)

HOFI.ST

Financial - Mortgages · Financial Services

Exchange

Stockholm Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Strong

Cash Flow

Mixed

Stability

Mixed

Valuation

Strong

Dividends

Mixed

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Winston Score History

The full picture

Hoist Finance is a Swedish company that buys unpaid debts from banks and other lenders, then works to collect that money over time. When people stop paying their loans or credit cards, banks often sell those debts at a discount to companies like Hoist Finance. Hoist then becomes the new creditor and tries to recover the money, often through payment plans.

The company makes money on the difference between what it pays for debt portfolios and what it eventually collects from borrowers. Hoist operates mainly across Europe, with a presence in countries including Sweden, Germany, Italy, Poland, and the UK, making it a mid-sized player in the European debt purchasing market. Its competitive edge comes from its data-driven approach to pricing and collecting debt, but the main risk it faces is rising interest rates, which increase its funding costs and make it more expensive to buy new debt portfolios profitably.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+27.1% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+112.8% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

54.6%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

kr 67.4B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Hoist Finance AB (publ) grew revenue 27% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

70.5%

Premium pricing power — 70.5% gross margin

Profit after running costs

Operating Margin

34.6%

Excellent — 34.6% operating margin

Return on the money invested

ROCE

10.4%

Below par — 10.4% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+12.1%

Fast-growing sales (+12.1% YoY)

Profit growth

EPS YoY

+55.8%

Earnings growing fast (+55.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

37%

Weak — only 37% of profit becomes cash

Spare cash per sale

FCF Margin

6.9%

Modest free cash flow (6.9%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

1.78

Elevated debt (1.78)

Covers its interest

Interest Cover

1.86x

Dangerous — barely covers interest (1.9x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

13.6x

no trend

Attractive valuation — P/E 13.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+1.0

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

2.80%

no trend

Moderate income — 2.80% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

N/A

no trend

Data not available

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