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Hoist Finance (OM:HOFI) reported a net profit margin of 20.2%, slightly ahead of last year’s 20%, and posted EPS growth of 13.2% over the past year. Over the past five years, the company has averaged an impressive 61.1% annual earnings growth rate, although the most recent year came in a bit lower. With earnings forecast to climb 15.01% annually and revenue projected to rise 11.8% per year, both of which are well above the Swedish market’s outlook of 3.9%, investors will be watching for these performance trends to continue. The stock currently trades at a P/E of 9.6x, putting it below industry and peer averages. Risks around dividend sustainability and financial position are noted but do not outweigh the company’s attraction as a value and growth story.

See our full analysis for Hoist Finance.

The next section puts these results head-to-head with the most widely followed narratives for Hoist Finance, weighing where the facts and stories align or where some assumptions may need rethinking.

See what the community is saying about Hoist Finance

• Analysts project an increase in profit margin from the current 20.2% to 25.0% over the next three years, setting a higher earnings quality bar for Hoist Finance.

• According to the analysts’ consensus view, several levers are driving this anticipated uplift in profitability:

  • Efficiency gains and new deposit platforms are expected to lower funding costs, supporting wider margins even if portfolio supply remains patchy.

  • However, climbing funding costs—already up from 3.4% to 4.4% of portfolio value—may pressure these targets if interest rates rise or if new cost controls stall.

For a balanced reading of how bulls and bears are debating Hoist’s pathway to higher margins, see the full Consensus Narrative. 📊 Read the full Hoist Finance Consensus Narrative.

• Hoist is aiming to expand its acquired loan portfolio to SEK 36 billion by 2026, with this figure anchored by a robust pipeline and recent demographic trends boosting non-performing loan volumes across Europe.

• Analysts’ consensus view sees greater supply of non-performing loans (NPLs) and regulatory harmonisation opening new opportunities:

  • As EU-wide rules ease access to unsecured portfolios, recurring revenue and scale should strengthen Hoist’s competitive position over the medium term.

  • Nonetheless, temporary regulatory constraints and limited supply of high-yield NPLs in key markets may slow progress, making portfolio growth partly reliant on market timing and successful geographic expansion.