Hoist Finance Valuation

Is HOFIS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: HOFIS (SEK91.4) is trading above our estimate of fair value (SEK70.51)

Significantly Below Fair Value: HOFIS is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for HOFIS?

Key metric: As HOFIS is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for HOFIS. This is calculated by dividing HOFIS's market cap by their current earnings.
What is HOFIS's PE Ratio?
PE Ratio	9.3x
Earnings	SEK 856.00m
Market Cap	SEK 7.99b

HOFIS key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	1.8x

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for HOFIS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	7.8x
IPF International Personal Finance	5.8x	10.3%	UK£283.4m
HAT H&T Group	7.3x	6.7%	UK£158.3m
SUS S&U	8.8x	23.5%	UK£164.6m
RFX Ramsdens Holdings	9.2x	n/a	UK£71.8m
HOFIS Hoist Finance	9.3x	5.2%	SEK 8.0b

Price-To-Earnings vs Peers: HOFIS is expensive based on its Price-To-Earnings Ratio (9.3x) compared to the peer average (7.8x).

Price to Earnings Ratio vs Industry

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

1 Company	Price / Earnings	Estimated Growth	Market Cap

1 Company		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: HOFIS is expensive based on its Price-To-Earnings Ratio (9.3x) compared to the European Consumer Finance industry average (9x).

Price to Earnings Ratio vs Fair Ratio

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.

HOFIS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	9.3x
Fair PE Ratio	n/a

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

Analyst Price Targets

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

The above table shows the analyst HOFIS forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	SEK 91.40	SEK 123.50 +35.1%	2.8%	SEK 127.00	SEK 120.00	n/a	2
Nov ’25	SEK 97.80	SEK 103.00 +5.3%	23.3%	SEK 127.00	SEK 79.00	n/a	2
Oct ’25	n/a	SEK 82.00 0%	3.7%	SEK 85.00	SEK 79.00	n/a	2
Sep ’25	n/a	SEK 82.00 0%	3.7%	SEK 85.00	SEK 79.00	n/a	2
Aug ’25	n/a	SEK 79.00 0%	7.6%	SEK 85.00	SEK 73.00	n/a	2
Jul ’25	n/a	SEK 74.50 0%	2.0%	SEK 76.00	SEK 73.00	n/a	2
Jun ’25	n/a	SEK 69.50 0%	9.4%	SEK 76.00	SEK 63.00	n/a	2
May ’25	n/a	SEK 66.00 0%	4.5%	SEK 69.00	SEK 63.00	n/a	2
Apr ’25	n/a	SEK 61.50 0%	2.4%	SEK 63.00	SEK 60.00	n/a	2
Mar ’25	n/a	SEK 51.00 0%	17.6%	SEK 60.00	SEK 42.00	n/a	2
Feb ’25	n/a	SEK 42.00 0%	16.7%	SEK 49.00	SEK 35.00	n/a	2
Jan ’25	n/a	SEK 42.00 0%	16.7%	SEK 49.00	SEK 35.00	n/a	2
Dec ’24	n/a	SEK 42.00 0%	16.7%	SEK 49.00	SEK 35.00	n/a	2
Feb ’24	n/a	SEK 35.50 0%	1.4%	SEK 36.00	SEK 35.00	n/a	2
Jan ’24	n/a	SEK 35.50 0%	1.4%	SEK 36.00	SEK 35.00	n/a	2
Dec ’23	n/a	SEK 35.50 0%	1.4%	SEK 36.00	SEK 35.00	n/a	2
Nov ’23	SEK 26.34	SEK 35.50 +34.8%	1.4%	SEK 36.00	SEK 35.00	n/a	2

Analyst Forecast: 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.

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