Hoist Finance AB (publ)

OM:HOFI Stock Report

Market Cap: SEK 14.7b

Hoist Finance Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

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

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: HOFI (SEK168.7) is trading below our estimate of future cash flow value (SEK207.8)

Significantly Below Future Cash Flow Value: HOFI is trading below future cash flow value, but not by a significant amount.

Key Valuation Metric

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

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

The above table shows the Price to Earnings ratio for HOFI. This is calculated by dividing HOFI's market cap by their current earnings.
What is HOFI's PE Ratio?
PE Ratio13.1x
EarningsSEK 1.12b
Market CapSEK 14.75b

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for HOFI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average21.2x
ROKO B Röko
37.1x9.16%SEK 28.0b
YIELD SaveLend Group
6.2xn/aSEK 100.3m
CRED A Creades
19xn/aSEK 10.2b
AZA Avanza Bank Holding
22.6x7.69%SEK 59.8b
HOFI Hoist Finance
13.1x13.43%SEK 14.7b

Price-To-Earnings vs Peers: HOFI is good value based on its Price-To-Earnings Ratio (13.1x) compared to the peer average (21.2x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

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

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
HOFI 13.1xIndustry Avg. 8.5xNo. of Companies6PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: HOFI is expensive based on its Price-To-Earnings Ratio (13.1x) compared to the European Consumer Finance industry average (8.5x).

Price to Earnings Ratio vs Fair Ratio

What is HOFI'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.

HOFI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13.1x
Fair PE Ratio18.8x

Price-To-Earnings vs Fair Ratio: HOFI is good value based on its Price-To-Earnings Ratio (13.1x) compared to the estimated Fair Price-To-Earnings Ratio (18.8x).

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 HOFI forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentSEK 168.70
SEK 186.00
+10.25%
3.23%SEK 192.00SEK 180.00n/a2
Jun ’27SEK 167.90
SEK 186.00
+10.78%
3.23%SEK 192.00SEK 180.00n/a2
May ’27SEK 142.10
SEK 167.00
+17.52%
1.20%SEK 169.00SEK 165.00n/a2
Apr ’27SEK 153.20
SEK 161.67
+5.53%
2.92%SEK 165.00SEK 155.00n/a3
Mar ’27SEK 144.20
SEK 161.67
+12.11%
2.92%SEK 165.00SEK 155.00n/a3
Feb ’27SEK 125.10
SEK 131.67
+5.25%
9.97%SEK 150.00SEK 120.00n/a3
Jan ’27SEK 112.80
SEK 118.50
+5.05%
1.27%SEK 120.00SEK 117.00n/a2
Dec ’26SEK 100.30
SEK 118.50
+18.15%
1.27%SEK 120.00SEK 117.00n/a2
Nov ’26SEK 99.25
SEK 118.50
+19.40%
1.27%SEK 120.00SEK 117.00n/a2
Oct ’26SEK 101.60
SEK 118.50
+16.63%
1.27%SEK 120.00SEK 117.00n/a2
Sep ’26SEK 99.70
SEK 118.50
+18.86%
1.27%SEK 120.00SEK 117.00n/a2
Aug ’26SEK 97.55
SEK 118.50
+21.48%
1.27%SEK 120.00SEK 117.00n/a2
Jun ’26SEK 91.95
SEK 118.00
+28.33%
1.69%SEK 120.00SEK 116.00SEK 167.902
May ’26SEK 86.00
SEK 118.00
+37.21%
1.69%SEK 120.00SEK 116.00SEK 142.102
Apr ’26SEK 72.90
SEK 121.00
+65.98%
0.83%SEK 122.00SEK 120.00SEK 153.202
Mar ’26SEK 75.60
SEK 121.00
+60.05%
0.83%SEK 122.00SEK 120.00SEK 144.202
Feb ’26SEK 93.40
SEK 123.50
+32.23%
2.83%SEK 127.00SEK 120.00SEK 125.102
Jan ’26SEK 90.30
SEK 123.50
+36.77%
2.83%SEK 127.00SEK 120.00SEK 112.802
Dec ’25SEK 90.60
SEK 123.50
+36.31%
2.83%SEK 127.00SEK 120.00SEK 100.302
Nov ’25SEK 93.90
SEK 103.00
+9.69%
23.30%SEK 127.00SEK 79.00SEK 99.252
Oct ’25SEK 85.40
SEK 82.00
-3.98%
3.66%SEK 85.00SEK 79.00SEK 101.602
Sep ’25SEK 78.10
SEK 82.00
+4.99%
3.66%SEK 85.00SEK 79.00SEK 99.702
Aug ’25SEK 68.60
SEK 79.00
+15.16%
7.59%SEK 85.00SEK 73.00SEK 97.552
Jul ’25SEK 53.90
SEK 74.50
+38.22%
2.01%SEK 76.00SEK 73.00SEK 83.102
Jun ’25SEK 58.80
SEK 69.50
+18.20%
9.35%SEK 76.00SEK 63.00SEK 91.952
SEK 186
Fair Value
9.3% undervalued intrinsic discount
2
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/12 23:20
End of Day Share Price 2026/06/12 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Hoist Finance AB (publ) is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ermin KericCarnegie Investment Bank AB
Borja Ramirez SeguraCitigroup Inc
Ermin KericDNB Carnegie