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Hoist Finance ABCHIX:HOFIS 61 Equity-to-Asset is 0.11 as of Jun. 2026, which is 27% below its 10-year median of 0.15. GuruFocus rates CHIX:HOFIS with a GF Score™ of 61/100 and a GF Value™ of kr99.12 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 548 Credit Services companies, Hoist Finance AB ranks worse than 87.77% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Hoist Finance AB's Total Stockholders Equity for the quarter that ended in Jun. 2026 was kr7,611 Mil. Hoist Finance AB's Total Assets for the quarter that ended in Jun. 2026 was kr70,311 Mil.
Therefore, Hoist Finance AB's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.11.
The historical rank and industry rank for Hoist Finance AB's Equity-to-Asset or its related term are showing as below:
CHIX:HOFIs'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.15 Max: 0.2
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of Hoist Finance AB was 0.20. The lowest was 0.10. And the median was 0.15.
CHIX:HOFIs's Equity-to-Asset is ranked worse than 87.77% of 548
companies
in the Credit Services industry
Industry Median: 0.4
vs CHIX:HOFIs: 0.11
Hoist Finance AB (CHIX:HOFIs) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Hoist Finance AB Equity-to-Asset Related Terms
Hoist Finance AB Equity-to-Asset Historical Data
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The historical data trend for Hoist Finance AB's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CHIX:HOFIS vs V, MA, AXP: Equity-to-Asset Comparison
For the Credit Services subindustry, Hoist Finance AB's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Hoist Finance AB's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Hoist Finance AB (CHIX:HOFIS) has a Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Hoist Finance AB and its competitors. This is 27% below median its historical median of 0.15. Over the past decade, Hoist Finance AB's Equity-to-Asset has ranged from 0.10 to 0.20. According to the industry distribution chart, Hoist Finance AB ranks #481 out of 548 companies in the Credit Services industry, placing it in the top 87.8%.
Is Hoist Finance AB's Equity-to-Asset too high?
Hoist Finance AB's current Equity-to-Asset of 0.11 is 27% below median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.20. The Credit Services industry median Equity-to-Asset is 0.40. Hoist Finance AB's value of 0.11 is 72.5% below this industry median. Based on the distribution chart, Hoist Finance AB ranks #481 out of 548 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Hoist Finance AB has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hoist Finance AB's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #481 out of 548 companies for Equity-to-Asset. This places Hoist Finance AB in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Hoist Finance AB's value of 0.11 is 72.5% below this benchmark. Historically, Hoist Finance AB's own Equity-to-Asset has ranged from 0.10 to 0.20 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.40, Hoist Finance AB has consistently been below 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current Equity-to-Asset of 0.11 is 72.5% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current Equity-to-Asset is 0.11, which is 27% below median its own 10-year median of 0.15. 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 kr99.12, compared to a current price of kr201.70 — trading 103.5% above its estimated fair value. The current Equity-to-Asset is 0.11, which is 27% below median its 10-year median of 0.15 and 72.5% below the Credit Services industry median of 0.40. Hoist Finance AB's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current Equity-to-Asset is 0.11 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 kr201.70 is trading 103.5% above its estimated GF Value™ of kr99.12.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
Equity-to-Asset: 0.11 (27% below median its 10-year median of 0.15)
GF Value™: kr99.12 vs. price of kr201.70 (103.5% above fair value)
Industry Position: 72.5% below the Credit Services median (#481 of 548)
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.
61GF Score
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