profit from every SEK 100 of sales.
SEK 0SEK 100
Hoist Finance
SEK 209.20+2.25% today
+95.5% in 1 year
1-year low SEK 107.001-year high SEK 221.60
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay SEK 16.06 for every SEK 1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Hoist Finance sold, what it kept, and what it did with the cash.
Sales went from SEK 2.56 billion in 2022 to SEK 4.00 billion in 2025, with SEK 1.14 billion of profit last year.
SalesProfit
Hoist Finance handed back 3% of the cash it generated last year.
SEK 175M
Free cash flow 2025SEK 5.9B
Bought back its own sharesSEK 0
Paid as dividendsSEK 175M
Cash vs. debtSEK 0 vs. SEK 10.0B
Hoist Finance vs. similar companies
Hoist Finance grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from SEK 100 of sales | Sales growth a year | Price per SEK 1 of profit |
|---|---|---|---|
| Hoist Finance | 16.1× · Fair price | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads Hoist Finance's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of SEK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,560 | 3,175 | 3,904 | 3,997 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 801 | 663 | 1,013 | 1,139 | |
| 7.91 | 5.72 | 10.07 | 11.59 | |
| – | – | – | – | |
| – | – | – | – | |
| 31.3% | 20.9% | 25.9% | 28.5% |
Balance sheet
| In millions of SEK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 32,499 | 34,023 | 56,934 | 63,216 |
| Cash | 0 | 0 | 0 | 0 |
| Total debt | 6,553 | 5,626 | 7,046 | 10,002 |
| Total liabilities | 26,755 | 28,102 | 50,229 | 56,128 |
| 5,744 | 5,921 | 6,705 | 7,088 | |
| 89 | 89 | 87 | 87 | |
| – | – | – | – | |
| 13.9% | 11.2% | 15.1% | 16.1% |
Cash flow
| In millions of SEK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3,844 | 4,402 | 5,808 | 5,921 | |
| – | – | – | – | |
| 3,844 | 4,402 | 5,808 | 5,921 | |
| Dividends paid | – | – | – | 175 |
| – | 0 | 201 | 0 | |
| – | – | – | – |
Valuation
- 16.1×
- –
- 1.18
- 2.0×
- 4.6×
- 3.1×
- –
- 32.4%
- 6.2%
- 1.0%
Profitability
- –
- –
- 28.5%
- –
- –
- –
- –
- –
- –
- –
Growth
- +16.0%
- +13.6%
- –
- –
- −0.7%
Financial health
- –
- 1.41
- –
- –
- –
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 38%of 880
Top 29%of 878
Top 5%of 932
1.0%of the share price, paid each year
On $1,000 invested$10a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
15.4% of its profit
Room to growStretchedMore than it earns: 3.0%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Hoist Finance
Is Hoist Finance a good stock to buy?
A strong, very profitable business at a fair price. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Hoist Finance AI analysis
What does Hoist Finance do?
Hoist Finance AB (publ), a credit market company, engages in the loan acquisition and management operations in Europe. It operates through Unsecured and Secured segments. It is in Credit Services, based in Stockholm, Sweden, with 1,035 employees.
Does Hoist Finance pay a dividend?
Yes. At today's price the dividend is 1.0% a year, about 15% of its yearly profit. In 2025 it paid out SEK 175 million in dividends.
Is Hoist Finance stock halal?
No. Hoist Finance does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Hoist Finance stock done over the past year?
Up 95.5% over the past twelve months, to SEK 209.20. It traded between SEK 107.00 and SEK 221.60 and is 5.6% below its high.
Who are Hoist Finance's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Hoist Finance's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.