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Hoist Finance (HOFI) investor relations material

Hoist Finance Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary25 Jul, 2025

Executive summary

  • Profit before tax was SEK 310M, down from SEK 377M year-over-year; underlying profit before tax was SEK 335M, up from SEK 315M, reflecting business strength despite extraordinary items.

  • Return on equity was 14.7% (15% in one report), with underlying ROE at 16.1%, up from 13.7% year-over-year.

  • Investments in new portfolios totaled SEK 2.6B in Q2, with an additional SEK 1.9B signed post-quarter, bringing the portfolio to SEK 31B, up 15–17% year-over-year.

  • Collections remained strong at 104–104.4% of forecast, with stable performance across all markets.

  • Moody's affirmed all ratings and upgraded the outlook to positive.

Financial highlights

  • Total operating income for Q2 was SEK 1,043M, down 14% year-over-year, mainly due to prior year asset sales; underlying income stable.

  • Net profit for Q2 was SEK 234M, down from SEK 258M year-over-year; EPS at SEK 2.42.

  • Net interest income increased to SEK 885M, up 4% year-over-year.

  • Operating expenses decreased 11% to SEK 732M, driven by lower personnel and administrative costs.

  • Net funding cost at 4.4% of the investment portfolio, stable versus Q1 but up 100bps year-over-year.

Outlook and guidance

  • Strong pipeline of deals expected for H2 2025, with portfolio growth on track to reach SEK 36B by 2026.

  • Plans to qualify as a Specialised Debt Restructurer (SDR) in 2026, maintaining high NSFR and capital requirements.

  • Funding cost expected to remain flat or slightly lower, with deposit rates adapting to market changes.

  • NSFR to be trimmed from current 143% toward 130%+ in coming quarters.

  • Guidance on use of backstop reserves expected in Q4 2025 report.

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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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