Hoist Finance AB (publ) provides solutions for the acquisition and management of non-performing loans (NPLs) in Europe.
Very undervalued with proven track record.
Share Price & News
How has Hoist Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 0R65 has not had significant price volatility in the past 3 months.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: 0R65 exceeded the UK Consumer Finance industry which returned -42.3% over the past year.
Return vs Market: 0R65 exceeded the UK Market which returned -1.3% over the past year.
Price Volatility Vs. Market
How volatile is Hoist Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Hoist Finance undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0R65 (SEK48.08) is trading below our estimate of fair value (SEK119.44)
Significantly Below Fair Value: 0R65 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 0R65 is good value based on its PE Ratio (7.9x) compared to the Consumer Finance industry average (11x).
PE vs Market: 0R65 is good value based on its PE Ratio (7.9x) compared to the UK market (16.8x).
Price to Earnings Growth Ratio
PEG Ratio: 0R65 is good value based on its PEG Ratio (0.9x)
Price to Book Ratio
PB vs Industry: 0R65 is good value based on its PB Ratio (0.9x) compared to the GB Consumer Finance industry average (1.4x).
How is Hoist Finance forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 0R65's forecast earnings growth (9.2% per year) is above the savings rate (0.5%).
Earnings vs Market: 0R65's earnings (9.2% per year) are forecast to grow slower than the UK market (13.2% per year).
High Growth Earnings: 0R65's earnings are forecast to grow, but not significantly.
Revenue vs Market: 0R65's revenue (5.3% per year) is forecast to grow faster than the UK market (3.8% per year).
High Growth Revenue: 0R65's revenue (5.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0R65's Return on Equity is forecast to be low in 3 years time (13.9%).
How has Hoist Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0R65 has high quality earnings.
Growing Profit Margin: 0R65's current net profit margins (20.9%) are higher than last year (19%).
Past Earnings Growth Analysis
Earnings Trend: 0R65's earnings have grown significantly by 25.2% per year over the past 5 years.
Accelerating Growth: 0R65's earnings growth over the past year (12.9%) is below its 5-year average (25.2% per year).
Earnings vs Industry: 0R65 earnings growth over the past year (12.9%) exceeded the Consumer Finance industry 7.8%.
Return on Equity
High ROE: 0R65's Return on Equity (12.4%) is considered low.
Return on Assets
Return on Capital Employed
How is Hoist Finance's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: 0R65 has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0R65's debt is covered by short term assets (assets are 4.1x debt).
Financial Institutions Analysis
Asset Level: 0R65's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 0R65 has a sufficient allowance for bad loans.
Low Risk Liabilities: 0R65 reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0R65 has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0R65 has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0R65 has an appropriate level of bad loans.
What is Hoist Finance's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate 0R65's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate 0R65's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 0R65's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 0R65's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: 0R65 is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 0R65's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Klaus-Anders Nysteen (53yo)
Mr. Klaus-Anders Nysteen serves as Chief Executive Officer of Hoist Finance AB (publ) since March 15, 2018. He serves as the Chief Executive Officer and Executive Director at Lock AS. Mr. Nysteen has been ...
CEO Compensation Analysis
Compensation vs Market: Klaus-Anders's total compensation ($USD1.09M) is about average for companies of similar size in the UK market ($USD842.81K).
Compensation vs Earnings: Insufficient data to compare Klaus-Anders's compensation with company performance.
|MD & CEO||1.9yrs||kr10.50m||0.088% SEK3.8m|
|Chief Financial Officer||1.8yrs||no data||0.0036% SEK153.5k|
|Chief Operating Officer||0yrs||no data||no data|
|Chief Investment Officer||2.1yrs||no data||0.011% SEK480.1k|
|Chief Information Officer||8.1yrs||no data||no data|
|Head of Investor Relations||0yrs||no data||no data|
|Chief General Counsel||2.1yrs||no data||0.092% SEK3.9m|
|Communication Manager||0yrs||no data||no data|
|Chief People Officer||2yrs||no data||0.011% SEK480.1k|
|Head of Hoist Finance Poland||0yrs||no data||no data|
Experienced Management: 0R65's management team is considered experienced (2 years average tenure).
|Independent Director||5.1yrs||no data||0.0053% SEK225.5k|
|Alternate Director||20.1yrs||no data||no data|
|Director of Hoist Kreditverwaltung AG||18.1yrs||no data||no data|
|Independent Director||2.8yrs||no data||0.0039% SEK168.0k|
|Independent Director||1.8yrs||no data||no data|
|Director||0.8yrs||no data||no data|
|Independent Director||2.8yrs||no data||no data|
|Independent Director||2.8yrs||no data||0.035% SEK1.5m|
|Chair of the Board||5.3yrs||no data||0.025% SEK1.1m|
|Director||0.8yrs||no data||no data|
Experienced Board: 0R65's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 16.9%.
Hoist Finance AB (publ)'s company bio, employee growth, exchange listings and data sources
- Name: Hoist Finance AB (publ)
- Ticker: 0R65
- Exchange: LSE
- Founded: 1994
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: kr4.287b
- Shares outstanding: 89.30m
- Website: https://www.hoistfinance.com
Number of Employees
- Hoist Finance AB (publ)
- Bryggargatan 4
- Stockholm County
- 111 21
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|HOFI||OM (OMX Nordic Exchange Stockholm)||Yes||Common Shares||SE||SEK||Mar 2015|
|0R65||LSE (London Stock Exchange)||Yes||Common Shares||GB||SEK||Mar 2015|
|4HF||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||Mar 2015|
|HOFIS||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Common Shares||GB||SEK||Mar 2015|
Hoist Finance AB (publ) provides solutions for the acquisition and management of non-performing loans (NPLs) in Europe. It purchases NPLs originated by international banks and other financial institutions. The company also provides current account and fixed-term deposits. It operates as a debt restructuring partner to international banks and financial institutions. 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 founded in 1994 and is headquartered in Stockholm, Sweden.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/28 23:38|
|End of Day Share Price||2020/02/28 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.