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Hoist Finance ABCHIX:HOFIS 53 3-Year EPS without NRI Growth Rate is 48.50% as of Jun. 2026, which is 58% above its 10-year median of 30.65. GuruFocus rates CHIX:HOFIS with a GF Score™ of 53/100 and a GF Value™ of kr103.20 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 430 Credit Services companies, Hoist Finance AB ranks better than 82.79% on this metric.
During the past 12 months, Hoist Finance AB's average EPS without NRI Growth Rate was 57.30% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 48.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Hoist Finance AB was 48.50% per year. The lowest was -16.60% per year. And the median was 30.65% per year.
Hoist Finance AB (CHIX:HOFIs) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Hoist Finance AB 3-Year EPS without NRI Growth Rate Related Terms
CHIX:HOFIS vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Hoist Finance AB's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Hoist Finance AB 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's 3-Year EPS without NRI Growth Rate falls into.
Hoist Finance AB 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 48.50% mean?
Hoist Finance AB (CHIX:HOFIS) has a 3-Year EPS without NRI Growth Rate of 48.50% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Hoist Finance AB and its competitors. This is 58% above median its historical median of 30.65. According to the industry distribution chart, Hoist Finance AB ranks #74 out of 430 companies in the Credit Services industry, placing it in the top 17.2%.
Is Hoist Finance AB's 3-Year EPS without NRI Growth Rate too high?
Hoist Finance AB's current 3-Year EPS without NRI Growth Rate of 48.50% is 58% above median its 10-year median of 30.65. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.90. Hoist Finance AB's value of 48.50% is 307.6% above this industry median. Based on the distribution chart, Hoist Finance AB ranks #74 out of 430 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Hoist Finance AB has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hoist Finance AB's 3-Year EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #74 out of 430 companies for 3-Year EPS without NRI Growth Rate. This places Hoist Finance AB in the top 17% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 11.90. Hoist Finance AB's value of 48.50% is 307.6% above this benchmark. While the company's 10-year median is 30.65 vs. the industry median of 11.90, Hoist Finance AB has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.90, based on 430 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current 3-Year EPS without NRI Growth Rate of 48.50% is 307.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Hoist Finance AB and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current 3-Year EPS without NRI Growth Rate is 48.50%, which is 58% above median its own 10-year median of 30.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hoist Finance AB stock overvalued right now?
Based on GuruFocus' analysis, Hoist Finance AB (CHIX:HOFIS) is currently considered Significantly Overvalued. The stock's GF Value™ is kr103.20, compared to a current price of kr217.40 — trading 110.7% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 48.50%, which is 58% above median its 10-year median of 30.65 and 307.6% above the Credit Services industry median of 11.90. Hoist Finance AB's overall GF Score™ is 53/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current 3-Year EPS without NRI Growth Rate is 48.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Hoist Finance AB (CHIX:HOFIS) Overvalued in 2026?
Based on GuruFocus' analysis, Hoist Finance AB stock appears to be overvalued.
The current stock price of kr217.40 is trading 110.7% above its estimated GF Value™ of kr103.20.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
3-Year EPS without NRI Growth Rate: 48.50% (58% above median its 10-year median of 30.65)
GF Value™: kr103.20 vs. price of kr217.40 (110.7% above fair value)
Industry Position: 307.6% above the Credit Services median (#74 of 430)
No single metric tells the full story. See the CHIX:HOFIS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hoist Finance AB is a European asset manager of non-performing loans, with loan acquisition and management operations in several markets across Europe. The Group's core business has been the acquisition of secured and unsecured non-performing loans (NPLs) originated by banks and other financial institutions. After purchasing an NPL portfolio, Hoist Finance focuses on collection from its borrowers through sustainable payment plan agreements. The majority of the recovery activities for its acquired portfolios are managed through its service centres across Europe, supplemented by carefully selected external debt recovery partners. The Group's operating segments are: Unsecured, which generates maximum revenue, Secured, and Group Items. Geographically, it generates maximum revenue from Poland.
53GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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