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Hoist Finance
Hoist Finance (HOFI) investor relations material
Hoist Finance Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
Q4 2025 profit before tax reached SEK 492 million, up 76% year-over-year; full-year profit before tax was SEK 1.5 billion, a 14% increase from 2024.
Return on equity reached 21.8% in Q4 and 17.6% for the year, both above targets.
Achieved Specialised Debt Restructurer (SDR) status in February 2026, expanding investment capacity and releasing capital for growth.
Investment portfolio grew to SEK 33.4 billion, with SEK 9.9 billion invested in 2025 and a robust pipeline for 2026.
Board proposes a total dividend of SEK 6.0 per share, including a special dividend due to SDR status.
Financial highlights
Q4 net profit was SEK 361 million, up 46% year-over-year; full-year net profit was SEK 1,139 million, up 12% year-over-year.
Basic and diluted EPS for 2025 was SEK 11.59, up 15% from 2024.
Collection performance reached a record 108% in Q4 and 105% for the year, adding SEK 105 million to Q4 profit.
Operating expenses decreased 6% for the year, mainly due to lower administrative costs.
Portfolio book value grew to SEK 33.4 billion, a 9% increase (15% underlying, currency-adjusted).
Outlook and guidance
Targeting SEK 36 billion portfolio by end of 2026, with ambitions to reach it earlier.
SDR status expected to further increase investment pace and market reach, subject to attractive returns.
Strong investment pipeline and capital position support continued growth.
High market activity and robust pipeline expected to continue.
Capital Markets Day planned for Q3 2026 to present growth strategy through 2028.
SDR status: impact on NPL acquisition strategy
NPL market shift: Hoist's operational response
Assess HoistSpar platform's funding efficiency
SDR impact on unsecured portfolio acquisition
Expected funding cost reduction from HoistSpar?
Where are AI's biggest efficiency gains expected?
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Next Hoist Finance earnings date
Q1 20266 May, 2026
Hoist Finance
Next Hoist Finance earnings date
Q1 20266 May, 2026
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Frequently asked questions
Hoist Finance AB, a credit market company, engages in the loan acquisition and management operations. Hoist Finance AB acquires, manages, and services loans to individuals who want to buy a car or those who want to do home improvements. It offers mortgages, title loans, installment loans, and payday loans; VA-guaranteed loans for members of the armed forces; auto refinance; and installment financing. The firm also provides real estate financing; construction and development; venture capital; and project finance in the US.
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