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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.
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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