Hoist Finance ABCHIX:HOFIS 60 PB Ratio is 1.99 as of Jun. 26, 2026, which is 105% above its 10-year median of 0.97. GuruFocus rates CHIX:HOFIS with a GF Score™ of 60/100 and a GF Value™ of kr91.95 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 523 Credit Services companies, Hoist Finance AB ranks worse than 74.95% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), Hoist Finance AB's share price is kr167.80. Hoist Finance AB's Book Value per Share for the quarter that ended in Mar. 2026 was kr84.30. Hence, Hoist Finance AB's PB Ratio of today is 1.99.
Warning Sign:
Hoist Finance AB stock PB Ratio (=1.95) is close to 5-year high of 2.06.
The historical rank and industry rank for Hoist Finance AB's PB Ratio or its related term are showing as below:
CHIX:HOFIs'
s PB Ratio Range Over the Past 10 Years
Min: 0.32 Med: 0.97 Max: 2.74
Current: 1.95
During the past 13 years, Hoist Finance AB's highest PB Ratio was 2.74. The lowest was 0.32. And the median was 0.97.
CHIX:HOFIs's PB Ratio is ranked worse than 74.95% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs CHIX:HOFIs: 1.95
During the past 12 months, Hoist Finance AB's average Book Value Per Share Growth Rate was 15.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Hoist Finance AB was 53.00% per year. The lowest was 3.80% per year. And the median was 13.30% per year.
Back to Basics: PB Ratio
Hoist Finance AB (CHIX:HOFIs) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Hoist Finance AB PB Ratio Related Terms
Hoist Finance AB PB Ratio Historical Data
* Premium members only.
The historical data trend for Hoist Finance AB's PB Ratio 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.
For the Credit Services subindustry, Hoist Finance AB's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's PB Ratio distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Hoist Finance AB (CHIX:HOFIS) has a PB Ratio of 1.99 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hoist Finance AB and its competitors. This is 105% above median its historical median of 0.97. Over the past decade, Hoist Finance AB's PB Ratio has ranged from 0.32 to 2.74. According to the industry distribution chart, Hoist Finance AB ranks #392 out of 523 companies in the Credit Services industry, placing it in the top 75%.
Is Hoist Finance AB's PB Ratio too high?
Hoist Finance AB's current PB Ratio of 1.99 is 105% above median its 10-year median of 0.97. Over the past 10 years, this metric has ranged from a low of 0.32 to a high of 2.74. The Credit Services industry median PB Ratio is 1.06. Hoist Finance AB's value of 1.99 is 87.7% above this industry median. Based on the distribution chart, Hoist Finance AB ranks #392 out of 523 companies in the Credit Services industry, which is below the industry midpoint. 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #392 out of 523 companies for PB Ratio. This places Hoist Finance AB in the lower half of its industry. The industry median PB Ratio is 1.06. Hoist Finance AB's value of 1.99 is 87.7% above this benchmark. Historically, Hoist Finance AB's own PB Ratio has ranged from 0.32 to 2.74 over the past decade. While the company's 10-year median is 0.97 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current PB Ratio of 1.99 is 87.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current PB Ratio is 1.99, which is 105% above median its own 10-year median of 0.97. 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 kr91.95, compared to a current price of kr167.80 — trading 82.5% above its estimated fair value. The current PB Ratio is 1.99, which is 105% above median its 10-year median of 0.97 and 87.7% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current PB Ratio is 1.99 as of Jun. 26, 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 82.5% above its estimated GF Value™ of kr91.95.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
PB Ratio: 1.99 (105% above median its 10-year median of 0.97)
GF Value™: kr91.95 vs. price of kr167.80 (82.5% above fair value)
Industry Position: 87.7% above the Credit Services median (#392 of 523)
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
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