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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.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.
How will HoistSpar reduce funding costs?
What drove the decrease in operating income?
What is Hoist Finance's CET1 target?
What's driving the drop in implied gross IRR?
How will new euro deposit platforms affect costs?
How will SDR status impact unsecured acquisitions?
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Next Hoist Finance earnings date
Q3 202524 Oct, 2025
Next Hoist Finance earnings date
Q3 202524 Oct, 2025
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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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