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European debt-purchasing and collection company that buys non-performing consumer loan portfolios from banks and collects on them.
European debt-purchasing and collection company that buys non-performing consumer loan portfolios from banks and collects on them.
Pays a discount to buy unpaid consumer debt from banks, then earns what it collects over several years from the borrowers; profit depends on collecting more than the price paid. It funds itself largely with savings deposits taken through its Swedish bank licence, and operates in several European countries.
In one line: A European debt-collection/NPL purchaser like a smaller Encore Capital Group.
Moat: none (scale, data). Scale in portfolio pricing/collection analytics helps, but debt purchasing is a competitive, capital-intensive, regulated business.
Headquarters: Stockholm, Sweden · Founded: 1915 · Employees: 1,025
Size Hoist Finance (HOFI.ST) is a Sweden Industrials company (Miscellaneous Commercial Services) with a market value of $1.79B, the 93rd largest of 221 Sweden companies the cockpit tracks. Shares closed at SEK 199.70 on 6 Nov 2026.
Performance Over six months the shares gained 28.8%, against -6.6% for the median peer and +8.2% for the Sweden market (cap-weighted) — 2nd highest of 21 in its peer set.
Growth Revenue grew 15.8% over the last twelve months (peer median +9.1%); the operating margin is 30.0% (peer median 11.9%).
Valuation It trades at 11.9× forward earnings against a peer median of 22.4× (6th cheapest of 17).
Capital Return on invested capital runs 0.6 points below its cost of capital (6.6% WACC).
Next results Next results expected around 3 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | SEK 6.73B | SEK 5.81B | SEK 5.28B | SEK 3.71B | SEK 3.12B |
| Revenue growth | — | +10% | +42% | +19% | — |
| Gross profit | SEK 4.62B | SEK 4.30B | SEK 4.21B | SEK 3.12B | SEK 2.75B |
| EBITDA | SEK 1.46B | SEK 1.58B | SEK 1.44B | SEK 830M | SEK 786M |
| Net income | SEK 1.45B | SEK 1.01B | SEK 879M | SEK 511M | SEK 466M |
| Free cash flow | -SEK 650M | SEK 464M | SEK 668M | SEK 149M | -SEK 839M |
| Capital expenditure | SEK 0 | SEK 0 | SEK 0 | SEK 0 | SEK 0 |
| Total debt | SEK 11.7B | SEK 10.9B | SEK 8.15B | SEK 6.74B | SEK 7.66B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g |
|---|---|---|---|---|---|---|
| Hoist Finance HOFI.ST | $1.79B | +29% | +16% | 30% | 11.9× | n/a |
| Intrum INTRUM.ST | $645M | -53% | -4% | 28% | n/a | -8.9% |
| Encore Capital ECPG | $2.42B | +36% | +29% | 38% | 7.1× | n/a |
| PRA PRAA | $486M | -33% | +12% | 37% | 5.1× | n/a |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | HOFI.ST | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.5% | +3.6% | 11th highest of 21 |
| 6-month return | +28.8% | -6.6% | 2nd highest of 21 |
| Distance from 52-week high | -10.8% | -34.0% | 3rd highest of 21 |
| Revenue growth (TTM) | +15.8% | +9.1% | 7th highest of 19 |
| Operating margin | 30.0% | 11.9% | 3rd highest of 20 |
| Forward P/E | 11.9× | 22.4× | 6th cheapest of 17 |
| ROIC minus cost of capital | -0.6 pp | +1.1 pp | 8th lowest of 18 |
| EV / EBITDA | 20.1× | 11.7× | most expensive of 8 |
| Net debt / EBITDA | 8.0× | 0.4× | 2nd most indebted of 9 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| Hoist Finance HOFI.ST | Sweden | $1.79B | +29% | +16% | 30% | 11.9× | n/a | n/a |
| China Conch Venture 0586.HK | Hong Kong | $1.79B | -36% | +21% | 18% | 5.5× | n/a | n/a |
| Prosegur Compania de Seguridad PSG.MC | Spain | $1.79B | +9% | +1% | 6% | 11.8× | -5.3% | +6.7% |
| Syngene International SYNGENE.NS | India | $1.78B | -11% | -6% | 13% | 67.8× | 35.3% | +11.4% |
| Beijing Orient EcoEnergy 002310.SZ | China | $1.81B | -24% | +35% | 12% | n/a | 36.4% | -47.6% |
| Choice International CHOICEIN.NS | India | $1.76B | +8% | +34% | 27% | 49.8× | n/a | n/a |
| Ipsos IPS.PA | France | $1.74B | -3% | +3% | 12% | 7.0× | -10.8% | +6.6% |
| Teemsun Technology 301571.SZ | China | $1.86B | 0% | +61% | 22% | n/a | n/a | n/a |
| Focus Technology 002315.SZ | China | $1.86B | -1% | +14% | 24% | 22.1× | 3.2% | +10.6% |
| International Gemological Institute IGIL.NS | India | $1.86B | +12% | +21% | 58% | 24.4× | 14.6% | +37.6% |
| GRG Metrology & Test 002967.SZ | China | $1.72B | -16% | +13% | 13% | 22.7× | 3.9% | +14.4% |
| Visual China 000681.SZ | China | $1.71B | -25% | -9% | 4% | 44.0× | n/a | n/a |
| Insperity NSP | United States | $1.90B | +53% | +2% | 0% | 19.9× | 19.5% | +9.7% |
| Guangdong Feinan Resources Recycling 301500.SZ | China | $1.68B | -31% | +42% | 7% | n/a | n/a | n/a |
| Jiangsu Guotai International 002091.SZ | China | $1.91B | -11% | +7% | 6% | 10.0× | -20.9% | +5.5% |
| Xi'an Taijin New Energy & Materials Sci-Tech 688813.SS | China | $1.93B | -13% | n/a | n/a | n/a | n/a | n/a |
| Heron Neutron Medical 7799.TW | Taiwan | $1.94B | +15% | n/a | -5,071% | 380.6× | n/a | n/a |
| Kruk KRU.WA | Poland | $1.65B | -22% | +8% | 77% | 6.9× | -2.1% | +16.8% |
| Anhui XDLK Microsystem 688582.SS | China | $1.95B | -36% | -38% | 21% | 37.3× | 55.7% | +37.0% |
| Healthcare Services HCSG | United States | $1.64B | +5% | +4% | 6% | 20.6× | 3.4% | +0.9% |
| PharmaBlock Sciences (Nanjing) 300725.SZ | China | $1.61B | +16% | +11% | 11% | 44.6× | 27.8% | +14.1% |