Hoist Finance ABCHIX:HOFIS 60 Net-Net Working Capital is kr-654.36 as of Mar. 2026. GuruFocus rates CHIX:HOFIS with a GF Score™ of 60/100 and a GF Value™ of kr92.55 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 73 Credit Services companies, Hoist Finance AB ranks worse than 1369861.64% on this metric.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
Hoist Finance AB's Net-Net Working Capital for the quarter that ended in Mar. 2026 was kr-654.36.
The industry rank for Hoist Finance AB's Net-Net Working Capital or its related term are showing as below:
CHIX:HOFIs's Price-to-Net-Net-Working-Capital is not ranked *
in the Credit Services industry.
Industry Median: 7.48 * Ranked among companies with meaningful Price-to-Net-Net-Working-Capital only.
Hoist Finance AB (CHIX:HOFIs) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
Hoist Finance AB Net-Net Working Capital Related Terms
Hoist Finance AB Net-Net Working Capital Historical Data
* Premium members only.
The historical data trend for Hoist Finance AB's Net-Net Working Capital 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: Net-Net Working Capital Comparison
For the Credit Services subindustry, Hoist Finance AB's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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-Net-Net-Working-Capital vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's Price-to-Net-Net-Working-Capital falls into.
* 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of kr-654.36 mean?
Hoist Finance AB (CHIX:HOFIS) has a Net-Net Working Capital of kr-654.36 as of Mar. 2026. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Hoist Finance AB According to the industry distribution chart, Hoist Finance AB ranks #999999 out of 73 companies in the Credit Services industry.
Is Hoist Finance AB's Net-Net Working Capital too high?
Hoist Finance AB's current Net-Net Working Capital is kr-654.36. Based on the distribution chart, Hoist Finance AB ranks #999999 out of 73 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Hoist Finance AB has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hoist Finance AB's Net-Net Working Capital compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #999999 out of 73 companies for Net-Net Working Capital. This places Hoist Finance AB in the lower half of its industry. The industry median Net-Net Working Capital is 7.48. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Credit Services company?
The median Net-Net Working Capital among Credit Services companies is 7.48, based on 73 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital 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 Net-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Hoist Finance AB For the Credit Services industry, the median Net-Net Working Capital is 7.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current Net-Net Working Capital is kr-654.36. 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 kr92.55, compared to a current price of kr167.80 — trading 81.3% above its estimated fair value. The current Net-Net Working Capital is kr-654.36. Hoist Finance AB's overall GF Score™ is 60/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current Net-Net Working Capital is kr-654.36 as of Mar. 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 kr167.80 is trading 81.3% above its estimated GF Value™ of kr92.55.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
Net-Net Working Capital: kr-654.36
GF Value™: kr92.55 vs. price of kr167.80 (81.3% 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.
60GF Score
Get the complete analysis for CHIX:HOFIS
Net-Net Working Capital is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:HOFIS has been successfully added to your 
