Hoist Finance AB (publ)
STO:HOFI
Hoist Finance AB (publ)
Hoist Finance AB is a holding company, which engages in the provision of debt restructuring and collection services. The company is headquartered in Stockholm, Stockholm and currently employs 1,544 full-time employees. The company went IPO on 2015-03-25. The company provides a portfolio of solutions for managing overdue consumer receivables, including debt purchasing and debt collection, as well as deposits. Its offering comprises acquisition and management of non-performing unsecured consumer loans, conducted by in-house collection centers across Europe. Its business is based on amicable settlements, as well as servicing on behalf of third parties. The firm operates in Belgium, the Netherlands, France, the United Kingdom, Italy, Poland, Spain, Germany and Austria. Additionally, the Company is active in the area of retail deposits though the online savings service, HoistSpar.
Hoist Finance AB is a holding company, which engages in the provision of debt restructuring and collection services. The company is headquartered in Stockholm, Stockholm and currently employs 1,544 full-time employees. The company went IPO on 2015-03-25. The company provides a portfolio of solutions for managing overdue consumer receivables, including debt purchasing and debt collection, as well as deposits. Its offering comprises acquisition and management of non-performing unsecured consumer loans, conducted by in-house collection centers across Europe. Its business is based on amicable settlements, as well as servicing on behalf of third parties. The firm operates in Belgium, the Netherlands, France, the United Kingdom, Italy, Poland, Spain, Germany and Austria. Additionally, the Company is active in the area of retail deposits though the online savings service, HoistSpar.
Strong Profit Growth: Profit before tax grew to SEK 492 million in Q4, up 76% year-on-year, and reached SEK 1.5 billion for 2025, a 14% increase from last year.
Record Collection Performance: Collection performance hit a record 108% in Q4, adding SEK 105 million to quarterly profit and ending the year at a strong 105%.
Investment Momentum: SEK 4 billion invested in Q4 alone (40% of annual total), with a full-year investment of nearly SEK 10 billion and strong momentum going into 2026.
SDR Status and Capital Strength: Achieved specialized debt restructure (SDR) status, releasing SEK 1.2 billion in reserves and boosting CET1 ratio to 13.5%, providing ample firepower for further growth.
Cost Discipline: Direct and indirect costs remained flat or declined year-on-year, with underlying cost reductions and no major new extraordinary costs expected.
Rising Market Opportunities: Management sees growing NPL ratios and expects the addressable market to be as large or larger in 2026, aiming to increase market share.
Dividend: SEK 6 per share dividend announced, including an extraordinary component tied to SDR status.
Outlook: Confident in beating last year’s investment levels and reaching the SEK 36 billion portfolio target during 2026, supported by robust capital and funding.
