How does HOFIS's PE Ratio compare to its peers?

HOFIS is expensive based on its Price-To-Earnings Ratio (9.8x) compared to the peer average (7.7x).

How does HOFIS's PE Ratio compare vs other companies in the European Consumer Finance Industry?

HOFIS is expensive based on its Price-To-Earnings Ratio (9.8x) compared to the European Consumer Finance industry average (8.5x).

What is HOFIS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate HOFIS's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of HOFIS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

HOFIS (SEK97.8) is trading above our estimate of [[fair value]] (SEK72.23)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine [[statistical confidence]] in agreement.

Hoist Finance (BATS-CHIXE:HOFIS) - Stock Price, News & Analysis

HOFIS Stock Overview

A credit market company, engages in the loan acquisition and management operations in Europe. More details

HOFIS fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	2/6
Past Performance	5/6
Financial Health	4/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (9.8x) is below the UK market (16.3x)

Earnings are forecast to grow 5.25% per year

Earnings grew by 106.8% over the past year

Risk Analysis

Shares are highly illiquid

Significant insider selling over the past 3 months

Has a high level of debt

Hoist Finance AB (publ) Competitors

International Personal Finance

LSE:IPF

UK£291.0m

H&T Group

AIM:HAT

UK£150.0m

S&U

LSE:SUS

UK£160.4m

Ramsdens Holdings

AIM:RFX

UK£71.8m

Price History & Performance

Summary of all time highs, changes and price drops for Hoist Finance
Historical stock prices
Current Share Price	SEK 97.80
52 Week High	SEK 97.80
52 Week Low	SEK 97.80
Beta	1.39
11 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
33 Year Change	n/a
5 Year Change	116.08%
Change since IPO	28.05%

Recent updates

Shareholder Returns

	HOFIS	GB Consumer Finance	GB Market
7D	0%	1.3%	2.2%
1Y	n/a	1.1%	8.0%

Return vs Industry: Insufficient data to determine how HOFIS performed against the UK Consumer Finance industry.

Return vs Market: Insufficient data to determine how HOFIS performed against the UK Market.

Price Volatility

Is HOFIS's price volatile compared to industry and market?
HOFIS volatility
HOFIS Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	6.2%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.3%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: HOFIS's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine HOFIS's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1915	1,221	Harry Vranjes	www.hoistfinance.com

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.

Hoist Finance AB (publ) Fundamentals Summary

How do Hoist Finance's earnings and revenue compare to its market cap?
HOFIS fundamental statistics
Market cap	SEK 8.36b
Earnings (TTM)	SEK 856.00m
Revenue (TTM)	SEK 4.04b

9.8x

P/E Ratio

2.1x

P/S Ratio

Is HOFIS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HOFIS income statement (TTM)
Revenue	SEK 4.04b
Cost of Revenue	SEK 1.17b
Gross Profit	SEK 2.87b
Other Expenses	SEK 2.02b
Earnings	SEK 856.00m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 07, 2025

Earnings per share (EPS)	9.79
Gross Margin	71.10%
Net Profit Margin	21.18%
Debt/Equity Ratio	116.6%

How did HOFIS perform over the long term?

See historical performance and comparison

HOFIS Stock Overview

Rewards

Risk Analysis

Hoist Finance AB (publ) Competitors

LSE:IPF

UK£291.0m

AIM:HAT

UK£150.0m

LSE:SUS

UK£160.4m

AIM:RFX

UK£71.8m

Price History & Performance

Recent News & Updates

Hoist Finance AB (publ) Appoints Nomination Committee

Hoist Finance AB (publ) (OM:HOFI) commences an Equity Buyback Plan for 7,417,776 shares, representing 8.44% of its issued share capital, under the authorization approved on May 7, 2024.

Hoist Finance AB (publ) (OM:HOFI) acquired Portfolio of Lowell with Outstanding Balance of SEK 10 Billion. from Lowell Financial Services GmbH.

Hoist Finance AB (publ) Launches Savings Offering in Poland

Hoist Finance AB (Publ) Appoints Nomination Committee for the Annual General Meeting 2024

Hoist Finance AB (publ) to Report Q1, 2024 Results on May 03, 2024

Recent updates

Hoist Finance AB (publ) Appoints Nomination Committee

Hoist Finance AB (publ) (OM:HOFI) commences an Equity Buyback Plan for 7,417,776 shares, representing 8.44% of its issued share capital, under the authorization approved on May 7, 2024.

Hoist Finance AB (publ) (OM:HOFI) acquired Portfolio of Lowell with Outstanding Balance of SEK 10 Billion. from Lowell Financial Services GmbH.

Hoist Finance AB (publ) Launches Savings Offering in Poland

Hoist Finance AB (Publ) Appoints Nomination Committee for the Annual General Meeting 2024

Hoist Finance AB (publ) to Report Q1, 2024 Results on May 03, 2024

Hoist Finance AB (publ) (OM:HOFI) entered into a binding agreement to acquire a Portfolio of Unsecured Non-Performing Loans from Alpha Bank S.A.

Hoist Finance AB (publ) (OM:HOFI) entered into a binding agreement to acquire a Portfolio of Unsecured Non-Performing Loans from Alpha Bank S.A.

High number of new and inexperienced directors

High number of new and inexperienced directors

Hoist Finance Announces Management Changes

Acting CEO & Director recently bought kr6.5m worth of stock

High number of new and inexperienced directors

Hoist Finance AB (publ) Announces Appointment of Nomination Committee

High number of new and inexperienced directors

Hoist Finance AB (publ) to Report Fiscal Year 2023 Results on Feb 07, 2024

Lowell Financial Ltd completed the acquisition of UK Credit Management Subsidiary of Hoist Finance AB.

Hoist Finance AB (publ) (OM:HOFI) entered into a binding agreement to acquire a Portfolio of Unsecured Non-Performing Loans from Alpha Bank S.A. for €34 million.

Hoist Finance AB (publ) (OM:HOFI) agreed to acquire UK portfolio of non-performing loans.

Hoist Finance AB (publ) Announces Executive and Board Changes

Hoist Finance AB (publ) to Report Q1, 2022 Results on Apr 28, 2022

Lowell Financial Ltd agreed to acquire UK Credit Management Subsidiary of Hoist Finance AB for £370 million.

Hoist Finance AB (publ) Announces Departure of Per Anders Fasth as Acting CEO, Effective 31 March 2022

High number of new and inexperienced directors

Hoist Finance AB (publ) Announces Board Changes

Hoist Finance AB (publ) to Report Q4, 2021 Results on Feb 08, 2022

Hoist Finance AB (publ) (OM:HOFI) agreed to acquire Greek portfolio of non-performing loans from Alpha Bank S.A. for €110 million

Less than half of directors are independent

Less than half of directors are independent

Hoist Finance AB (publ) (OM:HOFI) acquired €400 million NPL portfolio of Hoist Finance AB (publ).

Chief Investment Officer recently bought kr1.2m worth of stock

First quarter 2021 earnings released: kr2.73 loss per share (vs kr0.73 loss in 1Q 2020)

Independent Chair of the Board has left the company

Independent Director has left the company

Independent Director has left the company

Hoist Finance Announces Impairment Loss Guidance for the First Quarter 2021

New 90-day high: kr37.16

Independent Director recently bought kr9.8m worth of stock

Hoist Finance AB (publ) to Report Q1, 2021 Results on Apr 29, 2021

Hoist Finance AB (publ) to Report Q2, 2021 Results on Jul 21, 2021

Hoist Fance L Launches the Next Phase of the Company's Securitisatn Programme

Hoist Finance AB (publ) Announce Resignation of Christer Johansson as CFO

Hoist Finance AB (publ), Annual General Meeting, Apr 13, 2021

Hoist Finance AB (publ) to Report Q4, 2020 Results on Feb 09, 2021

Hoist Finance Announces Executive Appointments

Hoist Finance AB (publ) Announces Appointment of Jarkko Heinonen as New Chief Digital Officer and Member of Executive Management Team

Hoist Finance AB (publ) Appoints Nomination Committee for AGM 2021 and Ingrid Bonde Will Not Be Standing for Re-Election

Shareholder Returns

Price Volatility

About the Company

Hoist Finance AB (publ) Fundamentals Summary

9.8x

2.1x

Earnings & Revenue