Hoist Finance AB (publ)
LSE:0R65
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Hoist Finance AB (publ)
Hoist Finance is a debt buyer and credit manager. It buys portfolios of unpaid consumer loans from banks and other lenders, then works to collect those balances over time. Its main products are the loan portfolios it purchases and the servicing work it does for financial institutions that want help managing distressed debt. Its customers are mainly banks and other lenders that want to clean up their balance sheets by selling old receivables, along with borrowers who owe the purchased debts. Hoist Finance makes money in two main ways: it earns collections on the debt it owns, and it charges fees when it manages debt portfolios for others. That gives it a business model tied to credit recovery rather than new lending. What makes Hoist Finance different is its role in the financial plumbing. It does not make consumer loans and hold them to maturity like a bank. Instead, it specializes in buying difficult-to-collect debt at a discount and using its collection systems and workout expertise to recover value over time.
Hoist Finance is a debt buyer and credit manager. It buys portfolios of unpaid consumer loans from banks and other lenders, then works to collect those balances over time. Its main products are the loan portfolios it purchases and the servicing work it does for financial institutions that want help managing distressed debt.
Its customers are mainly banks and other lenders that want to clean up their balance sheets by selling old receivables, along with borrowers who owe the purchased debts. Hoist Finance makes money in two main ways: it earns collections on the debt it owns, and it charges fees when it manages debt portfolios for others. That gives it a business model tied to credit recovery rather than new lending.
What makes Hoist Finance different is its role in the financial plumbing. It does not make consumer loans and hold them to maturity like a bank. Instead, it specializes in buying difficult-to-collect debt at a discount and using its collection systems and workout expertise to recover value over time.
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.
