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Hoist Finance ABCHIX:HOFIS 53 Intrinsic Value: Projected FCF is kr959.99 as of Sep. 22, 2026. GuruFocus rates CHIX:HOFIS with a GF Score™ of 53/100 and a GF Value™ of kr92.17 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 309 Credit Services companies, Hoist Finance AB ranks better than 80.58% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-22), Hoist Finance AB's Intrinsic Value: Projected FCF is kr959.99. The stock price of Hoist Finance AB is kr217.40. Therefore, Hoist Finance AB's Price-to-Intrinsic-Value-Projected-FCF of today is 0.2.
The historical rank and industry rank for Hoist Finance AB's Intrinsic Value: Projected FCF or its related term are showing as below:
CHIX:HOFIs'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.05 Med: 0.1 Max: 0.68
Current: 0.23
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Hoist Finance AB was 0.68. The lowest was 0.05. And the median was 0.10.
CHIX:HOFIs's Price-to-Projected-FCF is ranked better than 80.58% of 309
companies
in the Credit Services industry
Industry Median: 0.72
vs CHIX:HOFIs: 0.23
Hoist Finance AB (CHIX:HOFIs) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Hoist Finance AB's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
217.40
/
108.99049705499
=
1.99
* 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 Intrinsic Value: Projected FCF Related Terms
Hoist Finance AB Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Hoist Finance AB's Intrinsic Value: Projected FCF 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.
Hoist Finance AB Intrinsic Value: Projected FCF Chart
CHIX:HOFIS vs V, MA, AXP: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Hoist Finance AB's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's Price-to-Projected-FCF falls into.
Hoist Finance AB Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of kr959.99 mean?
Hoist Finance AB (CHIX:HOFIS) has a Intrinsic Value: Projected FCF of kr959.99 as of Sep. 22, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Hoist Finance AB and its competitors. According to the industry distribution chart, Hoist Finance AB ranks #60 out of 309 companies in the Credit Services industry, placing it in the top 19.4%.
Is Hoist Finance AB's Intrinsic Value: Projected FCF too high?
Hoist Finance AB's current Intrinsic Value: Projected FCF is kr959.99. Based on the distribution chart, Hoist Finance AB ranks #60 out of 309 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 Intrinsic Value: Projected FCF compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #60 out of 309 companies for Intrinsic Value: Projected FCF. This places Hoist Finance AB in the top 19% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.72. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.72, based on 309 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current Intrinsic Value: Projected FCF is kr959.99. 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 kr92.17, compared to a current price of kr217.40 — trading 135.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is kr959.99. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current Intrinsic Value: Projected FCF is kr959.99 as of Sep. 22, 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 135.9% above its estimated GF Value™ of kr92.17.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
Intrinsic Value: Projected FCF: kr959.99
GF Value™: kr92.17 vs. price of kr217.40 (135.9% above fair value)
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
Get the complete analysis for CHIX:HOFIS
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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