Q4 2025 Hoist Finance AB (publ) Earnings Call Transcript

Feb 6, 2026 / 08:00 AM GMT

Release Date Price: €11.06 (-3.49%)

Transcript

Key Points

Positve

Hoist Finance AB (FRA:4HF) achieved a record 108% collection performance in Q4 2025, significantly boosting profits.
The company launched a new internal hoist bar platform in Germany, onboarding over 4,000 new customers and securing 1.5 billion SEK in deposits.
Profit before tax increased to 492 million SEK, a 76% year-on-year growth, driven by strong collection performance and cost control.
Return on equity reached a record 21.8%, supported by stable IRRs and strong collection performance.
The company has a strong investment pipeline for 2026, with 1.4 billion SEK already secured for the first half of the year.

Negative

The interest income development in 2025 was negatively impacted by a slow start in investments, with most activity occurring in Q4.
Direct costs were impacted by a 65 million SEK provision related to an OVAT case in Poland.
The company's capital position decreased from 12.2% to 10.8% in Q4 due to large new investments and dividend payouts.
The VAT case in Poland contributed to non-recurring costs, affecting overall cost management.
The tax rate for the quarter was higher than expected, influenced by the geographical distribution of business activities.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

HOFI.ST - Hoist Finance AB (publ)
Q4 2025 Hoist Finance AB (publ) Earnings Call
Feb 06, 2026 / 08:00AM GMT

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Presentation
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Unidentified_1 [1]
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Unidentified_2 [2]
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Welcome to Hoist Finance Q4 report for 2025. For the first part of the conference call, the participants will be in listen-only mode. During the questions and answer session, participants are able to ask questions by pound key, 5 on their telephone keypad. Now I will hand the conference over to CEO Harry Vranish and CFO Magnus Soderland. Please go ahead.

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Unidentified_1 [3]
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