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Hoist Finance

LSE:0R65
Snowflake Description

Very undervalued with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
0R65
LSE
SEK4B
Market Cap
  1. Home
  2. GB
  3. Diversified Financials
Company description

Hoist Finance AB (publ) provides solutions for the acquisition and management of non-performing loans (NPLs) in Europe. The last earnings update was 15 days ago. More info.


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0R65 Share Price and Events
7 Day Returns
6.7%
LSE:0R65
0.4%
GB Consumer Finance
1.9%
GB Market
1 Year Returns
-43.1%
LSE:0R65
-23.4%
GB Consumer Finance
2.5%
GB Market
0R65 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Hoist Finance (0R65) 6.7% 10.3% -1.9% -43.1% -43.5% -
GB Consumer Finance 0.4% 2.3% -3.2% -23.4% -70% -61.5%
GB Market 1.9% 3% 7.9% 2.5% 15.6% 6.8%
1 Year Return vs Industry and Market
  • 0R65 underperformed the Consumer Finance industry which returned -23.4% over the past year.
  • 0R65 underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 2.5% over the past year.
Price Volatility
0R65
Industry
5yr Volatility vs Market
Related Companies

0R65 Value

 Is Hoist Finance undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Hoist Finance to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Hoist Finance.

LSE:0R65 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 4 analysts.
= Stable Book Value * Return on Equity
= SEK60.63 * 14.2%
SEK8.58
Book Value of Equity per Share Weighted future Book Value estimates from 4 analysts. SEK60.63
Discount Rate (Cost of Equity) See below 9.6%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:0R65
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.69
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.686 (1 + (1- 22%) (172.95%))
1.41
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.41
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.41 * 5.96%)
9.63%

Discounted Cash Flow Calculation for LSE:0R65 using Excess Returns Model Model

The calculations below outline how an intrinsic value for Hoist Finance is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:0R65 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (14.2% – 9.63%) * SEK60.63)
SEK2.75
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= SEK2.75 / (9.63% - 1.23%)
SEK32.68
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= SEK60.63 + SEK32.68
SEK93.31
LSE:0R65 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in LSE:0R65 represents 0.99864x of OM:HOFI
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.99864x
Value per Share
(Listing Adjusted, SEK)
= Value per Share (SEK) x Listing Adjustment Factor
= SEK 93.31 x 0.99864
SEK93.18
Value per share (SEK) From above. SEK93.18
Current discount Discount to share price of SEK44.02
= -1 x (SEK44.02 - SEK93.18) / SEK93.18
52.8%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Hoist Finance is available for.
Intrinsic value
>50%
Share price is SEK44.02 vs Future cash flow value of SEK93.18
Current Discount Checks
For Hoist Finance to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Hoist Finance's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Hoist Finance's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Hoist Finance's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Hoist Finance's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:0R65 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in SEK SEK6.29
OM:HOFI Share Price ** OM (2019-04-18) in SEK SEK44.08
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PE Ratio Median Figure of 12 Publicly-Listed Consumer Finance Companies 12.42x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 796 Publicly-Listed Companies 16.29x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Hoist Finance.

LSE:0R65 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= OM:HOFI Share Price ÷ EPS (both in SEK)

= 44.08 ÷ 6.29

7.01x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Hoist Finance is good value based on earnings compared to the GB Consumer Finance industry average.
  • Hoist Finance is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Hoist Finance's expected growth come at a high price?
Raw Data
LSE:0R65 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 7.01x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts
10.1%per year
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PEG Ratio Median Figure of 7 Publicly-Listed Consumer Finance Companies 0.66x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 563 Publicly-Listed Companies 1.47x

*Line of best fit is calculated by linear regression .

LSE:0R65 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 7.01x ÷ 10.1%

0.7x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Hoist Finance is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Hoist Finance's assets?
Raw Data
LSE:0R65 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in SEK SEK49.42
OM:HOFI Share Price * OM (2019-04-18) in SEK SEK44.08
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PB Ratio Median Figure of 14 Publicly-Listed Consumer Finance Companies 1.71x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,365 Publicly-Listed Companies 1.51x
LSE:0R65 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= OM:HOFI Share Price ÷ Book Value per Share (both in SEK)

= 44.08 ÷ 49.42

0.89x

* Primary Listing of Hoist Finance.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Hoist Finance is good value based on assets compared to the GB Consumer Finance industry average.
X
Value checks
We assess Hoist Finance's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Hoist Finance has a total score of 6/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

0R65 Future Performance

 How is Hoist Finance expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
10.1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Hoist Finance expected to grow at an attractive rate?
  • Hoist Finance's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Hoist Finance's earnings growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
  • Hoist Finance's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:0R65 Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:0R65 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts 10.1%
LSE:0R65 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 4 Analysts 5.6%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 23.8%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 13.2%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 10.9%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:0R65 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
All numbers in SEK Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:0R65 Future Estimates Data
Date (Data in SEK Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 3,353 705 3
2020-12-31 3,368 725 4
2019-12-31 3,265 611 4
LSE:0R65 Past Financials Data
Date (Data in SEK Millions) Revenue Cash Flow Net Income *
2018-12-31 2,820 2,828 536
2018-09-30 2,501 2,822 469
2018-06-30 2,413 2,490 433
2018-03-31 2,342 2,099 407
2017-12-31 2,349 2,495 413
2017-09-30 2,358 2,679 470
2017-06-30 2,306 2,397 429
2017-03-31 2,310 2,570 452
2016-12-31 2,212 2,977 401
2016-09-30 2,131 1,183 394
2016-06-30 2,082 -455 367
2016-03-31 1,962 -992 310

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Hoist Finance's earnings are expected to grow by 10.1% yearly, however this is not considered high growth (20% yearly).
  • Hoist Finance's revenue is expected to grow by 5.6% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:0R65 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below

All data from Hoist Finance Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0R65 Future Estimates Data
Date (Data in SEK Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 7.79 8.50 7.31 3.00
2020-12-31 7.87 8.54 6.81 4.00
2019-12-31 6.92 7.52 5.69 4.00
LSE:0R65 Past Financials Data
Date (Data in SEK Millions) EPS *
2018-12-31 6.29
2018-09-30 5.31
2018-06-30 5.33
2018-03-31 5.03
2017-12-31 5.11
2017-09-30 5.57
2017-06-30 5.15
2017-03-31 5.59
2016-12-31 5.07
2016-09-30 5.19
2016-06-30 4.92
2016-03-31 3.94

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Hoist Finance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Hoist Finance's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Hoist Finance has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

0R65 Past Performance

  How has Hoist Finance performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Hoist Finance's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Hoist Finance has delivered over 20% year on year earnings growth in the past 5 years.
  • Hoist Finance's 1-year earnings growth exceeds its 5-year average (29.8% vs 28.9%)
  • Hoist Finance's earnings growth has exceeded the GB Consumer Finance industry average in the past year (29.8% vs 19.9%).
Earnings and Revenue History
Hoist Finance's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Hoist Finance Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:0R65 Past Revenue, Cash Flow and Net Income Data
Date (Data in SEK Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 2,820.00 536.00 1,316.00
2018-09-30 2,501.49 469.39 925.00
2018-06-30 2,413.49 433.39 882.00
2018-03-31 2,342.49 407.39 806.00
2017-12-31 2,349.00 413.00 1,097.00
2017-09-30 2,357.98 470.42 1,037.07
2017-06-30 2,305.92 428.79 933.96
2017-03-31 2,309.80 451.70 830.20
2016-12-31 2,211.62 401.46 736.43
2016-09-30 2,131.04 394.29 745.71
2016-06-30 2,082.39 366.69 753.77
2016-03-31 1,961.55 309.94 739.55
2015-12-31 1,837.68 218.82 715.98
2015-09-30 1,635.94 146.68 648.03
2015-06-30 1,494.36 120.26 604.29
2015-03-31 1,393.45 119.79 561.53
2014-12-31 1,291.86 154.65 524.29
2013-12-31 1,050.42 94.06 416.08
2012-12-31 477.69 28.74 256.98

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Hoist Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Hoist Finance used its assets less efficiently than the GB Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if Hoist Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Hoist Finance's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Hoist Finance has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

0R65 Health

 How is Hoist Finance's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Hoist Finance's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Hoist Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Hoist Finance's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Hoist Finance's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 3.3x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Hoist Finance Company Filings, last reported 3 months ago.

LSE:0R65 Past Debt and Equity Data
Date (Data in SEK Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 4,413.00 6,808.00 128.00
2018-09-30 4,301.00 6,871.00
2018-06-30 3,601.00 6,460.00
2018-03-31 3,402.00 5,419.00
2017-12-31 3,228.00 5,168.00 11.00
2017-09-30 3,116.47 3,702.89 3.00
2017-06-30 2,999.83 3,712.34 3.07
2017-03-31 3,074.31 3,486.67 3.05
2016-12-31 2,925.30 3,473.11 32.24
2016-09-30 2,524.91 3,567.53 0.26
2016-06-30 2,404.48 2,972.47 0.22
2016-03-31 2,379.04 1,324.27 0.20
2015-12-31 2,288.76 1,577.01 314.96
2015-09-30 2,225.51 1,632.14 0.23
2015-06-30 2,148.35 1,793.40 0.20
2015-03-31 2,125.66 1,797.59 0.37
2014-12-31 1,397.19 2,072.64 0.34
2013-12-31 815.44 1,011.24 26.15
2012-12-31 639.35 6.68 3.80
  • Hoist Finance's level of debt (154.3%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (124.1% vs 154.3% today).
  • Debt is well covered by operating cash flow (41.5%, greater than 20% of total debt).
  • Unable to confirm if the interest payments on Hoist Finance's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Hoist Finance's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Hoist Finance has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

0R65 Dividends

 What is Hoist Finance's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Hoist Finance dividends. Estimated to be 3.37% next year.
If you bought SEK2,000 of Hoist Finance shares you are expected to receive SEK0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Hoist Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Hoist Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:0R65 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 11 Stocks 3.2%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:0R65 Future Dividends Estimate Data
Date (Data in SEK) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 2.43 4.00
2020-12-31 2.21 5.00
2019-12-31 0.00 5.00
LSE:0R65 Past Annualized Dividends Data
Date (Data in SEK) Dividend per share (annual) Avg. Yield (%)
2019-04-04 0.000 0.000
2019-02-12 0.000 0.000
2018-04-09 1.900 2.968
2017-04-28 1.300 1.521
2016-03-24 0.750 0.934
2016-02-10 0.750 1.080

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Hoist Finance has not reported any payouts.
  • Unable to verify if Hoist Finance's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Hoist Finance's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Hoist Finance has not reported any payouts.
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (3.3x coverage).
X
Income/ dividend checks
We assess Hoist Finance's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Hoist Finance afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Hoist Finance has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

0R65 Management

 What is the CEO of Hoist Finance's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Klaus-Anders Nysteen
AGE 52
TENURE AS CEO 1.1 years
CEO Bio

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 the Chief Executive Officer of Lock Lower Holding AS since March 16, 2015. He served as the Chief Executive Officer of Lindorff Group AB from March 16, 2015 to June 2017. He served as the Chief Executive Officer of Entra Eiendom AS from January 29, 2013 to February 28, 2015. He served as the Chief Financial Officer of Statoil Fuel & Retail ASA from October 1, 2010 to 2013. He served as Chief Executive Officer of Entra ASA from January 29, 2013 to February 28, 2015. Mr. Nysteen served as the Managing Director of Storebrand Bank ASA at Storebrand ASA from 2006 to 2010. He has been Chairman of Webstep ASA and Board member in Asset Buyout Partner AS. Mr. Nysteen joined Storebrand Bank on September 1, 2006. Mr. Nysteen served as Senior Vice President of Norway Post (formerly, Posten Norge AS). He served as an Executive Vice President and Chief Financial Officer of Norway Post from 2001 to 2006. He served as Acting Chief Executive Officer of Posten Norge AS from October 05, 2005 to January 2006. Mr. Nysteen served as Finance Director of Hydro Seafood Norway AS from 1997 to 1998. He served as Chief Executive Officer of Storebrand Bank ASA for Storebrand ASA. He held different positions within the Norwegian Armed Forces. He served as Chief Financial Officer of Hydro Seafood AS from 1999 to 2000. He served as an Acting Chief Executive Officer and Chief Financial Officer of Hydro Seafgood GSP Ltd., Scotland from 1998 to 1999. He served as the Chairman and Director of Storebrand Boligkreditt AS. He served as a Director of Storebrand Bank ASA. He was Lecturer in Logistics, Norwegian School of Management (BI) Bergen campus from 1993 to 1997. Mr. Nysteen completed his AFF Solstrand Management Programme and an MBA from Norwegian School of Management and Administration. Mr. Nysteen received Management Programme in Logistics, Norwegian School of Management (BI) from Royal Norwegian Naval Academy.

CEO Compensation
  • Insufficient data for Klaus-Anders to compare compensation growth.
  • Insufficient data for Klaus-Anders to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the Hoist Finance management team in years:

1.1
Average Tenure
51
Average Age
  • The average tenure for the Hoist Finance management team is less than 2 years, this suggests a new team.
Management Team

Klaus-Anders Nysteen

TITLE
MD & CEO
AGE
52
TENURE
1.1 yrs

Christer Johansson

TITLE
Chief Financial Officer
AGE
39
TENURE
0.9 yrs

Emanuele Reale

TITLE
Chief Operating Officer
AGE
52
TENURE
0.1 yrs

Stephan Ohlmeyer

TITLE
Chief Investment Officer
AGE
50
TENURE
1.3 yrs

Anders Wallin

TITLE
Chief Information Officer
AGE
54
TENURE
7.3 yrs

Julia Ehrhardt

TITLE
Acting Group Head of Investor Relations

Anders Carlsson

TITLE
Chief General Counsel
AGE
35
TENURE
1.3 yrs

Cajsa Renman

TITLE
Group Head of Communication

Fabien Klecha

TITLE
Chief Sales Officer
AGE
34
TENURE
0.1 yrs

Ulf Eggefors

TITLE
Chief People Officer
AGE
57
TENURE
1.2 yrs
Board of Directors Tenure

Average tenure and age of the Hoist Finance board of directors in years:

3.3
Average Tenure
58.5
Average Age
  • The tenure for the Hoist Finance board of directors is about average.
Board of Directors

Ingrid Bonde

TITLE
Chair of the Board
AGE
59
TENURE
4.4 yrs

Jörgen Olsson

TITLE
Deputy Chairman of the Board
COMPENSATION
SEK10M
AGE
57
TENURE
0.9 yrs

Malin Eriksson

TITLE
Director
AGE
47
TENURE
2.3 yrs

Cecilia Wennborg

TITLE
Director
AGE
55
TENURE
2.3 yrs

Liselotte Hjorth

TITLE
Director
AGE
61
TENURE
4.3 yrs

Gunilla Wikman

TITLE
Director
AGE
59
TENURE
5.3 yrs

Joakim Rubin

TITLE
Director
AGE
58
TENURE
2.3 yrs

Marcial Portela Álvarez

TITLE
Director
AGE
73
TENURE
0.9 yrs

Christoffer Saidac

TITLE
Alternate Director
AGE
59
TENURE
19.3 yrs

Jim Clemence

TITLE
Director of Hoist Kreditverwaltung AG
AGE
48
TENURE
17.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (SEK) Value (SEK)
02. Jan 19 Sell Deciso Holding AB Company 27. Dec 18 27. Dec 18 -39,000 SEK40.36 SEK-1,574,040
27. Dec 18 Sell Deciso Holding AB Company 27. Dec 18 27. Dec 18 -38,000 SEK40.36 SEK-1,533,680
27. Dec 18 Sell Jörgen Olsson Individual 27. Dec 18 27. Dec 18 -40,000 SEK40.28 SEK-1,611,200
19. Dec 18 Sell Deciso Holding AB Company 18. Dec 18 18. Dec 18 -450,000 SEK43.65 SEK-19,642,499
20. Dec 18 Sell Deciso Holding AB Company 19. Dec 18 19. Dec 18 -160,000 SEK43.11 SEK-6,897,601
21. Dec 18 Buy Malin Eriksson Individual 19. Dec 18 19. Dec 18 25,000 SEK44.51 SEK1,112,738
19. Dec 18 Buy Stephan Ohlmeyer Individual 19. Dec 18 19. Dec 18 5,000 SEK42.58 SEK212,878
18. Dec 18 Buy Ingrid Bonde Individual 18. Dec 18 18. Dec 18 7,000 SEK45.01 SEK315,084
18. Dec 18 Buy Ulf Eggefors Individual 18. Dec 18 18. Dec 18 2,000 SEK44.27 SEK88,540
20. Sep 18 Buy Stephan Ohlmeyer Individual 18. Sep 18 18. Sep 18 5,000 SEK79.00 SEK394,107
12. Sep 18 Buy Ulf Eggefors Individual 12. Sep 18 12. Sep 18 1,900 SEK73.06 SEK138,814
12. Sep 18 Buy Klaus-Anders Nysteen Individual 12. Sep 18 12. Sep 18 29,800 SEK72.88 SEK2,171,812
X
Management checks
We assess Hoist Finance's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Hoist Finance has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

0R65 News

Simply Wall St News

0R65 Company Info

Description

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.

Details
Name: Hoist Finance AB (publ)
0R65
Exchange: LSE
Founded: 1994
SEK3,936,476,240
89,303,000
Website: http://www.hoistfinance.com
Address: Hoist Finance AB (publ)
PO Box 7848,
Stockholm,
Stockholm County, 103 99,
Sweden
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OM HOFI Common Shares OMX Nordic Exchange Stockholm SE SEK 25. Mar 2015
DB 4HF Common Shares Deutsche Boerse AG DE EUR 25. Mar 2015
LSE 0R65 Common Shares London Stock Exchange GB SEK 25. Mar 2015
Number of employees
Current staff
Staff numbers
1,556
Hoist Finance employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/19 22:00
End of day share price update: 2019/04/18 00:00
Last estimates confirmation: 2019/04/16
Last earnings filing: 2019/04/04
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.