)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Hoist Finance (HOFI) investor relations material
Hoist Finance Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Profit before tax reached SEK 349 million in Q3 2025, down from SEK 363 million last year, with last year's figure including SEK 52 million in net positive one-offs; net profit increased 16% year-over-year to SEK 284 million.
Return on equity improved to 18% from 16% year-over-year, exceeding financial targets.
Portfolio investments totaled SEK 2.4 billion in Q3, with an additional SEK 1.0 billion signed after quarter-end, expanding the investment portfolio to SEK 32 billion.
First loan portfolio acquired in Finland, expanding presence to 14 European markets.
Collection performance remained strong at 103% for the quarter, with year-to-date at 104%.
Financial highlights
Interest income from owned portfolios and co-investments grew 7% year-over-year, or 10% excluding FX; interest income from loan portfolios was SEK 1,238 million, up 4% year-over-year.
Net interest income was SEK 937 million, slightly down from SEK 944 million year-over-year; total operating income for Q3 was SEK 1,051 million, down 3% year-over-year.
Direct and indirect expenses decreased 1% and 7% respectively, reflecting tight cost control.
EPS for the quarter was SEK 3.00, up 19% year-over-year.
EBITDA for the quarter was SEK 350 million.
Outlook and guidance
On track to notify Specialized Debt Restructuring (SDR) status in February 2026, having met criteria for three out of four required quarters.
Expectation of increased investment deployment post-SDR status, potentially 25% higher than current levels.
Indirect costs expected to remain flat, growing only with inflation, with no material IT investments planned.
High market activity and a strong investment pipeline are expected to continue.
Management expects continued portfolio growth, strict cost control, and competitive funding costs around 3.5%.
Detail SDR impact on portfolio acquisition strategy.
HoistSpar's role in funding efficiency and NSFR.
What drives negative portfolio revaluations?
SDR status: expected increase in investment volume?
Impact of own deposit platforms on funding costs?
Outlook for indirect/administrative costs 2026-27?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Hoist Finance earnings date
Q4 20256 Feb, 2026
Next Hoist Finance earnings date
Q4 20256 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage