Hoist Finance ABCHIX:HOFIS 60 Pretax Margin % is 38.14% as of Mar. 2026, which is 51% above its 10-year median of 25.27. GuruFocus rates CHIX:HOFIS with a GF Score™ of 60/100 and a GF Value™ of kr88.20 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 533 Credit Services companies, Hoist Finance AB ranks better than 73.17% on this metric.
The historical rank and industry rank for Hoist Finance AB's Pretax Margin % or its related term are showing as below:
CHIX:HOFIs'
s Pretax Margin % Range Over the Past 10 Years
Min: -1.52 Med: 25.27 Max: 38.81
Current: 38.81
CHIX:HOFIs's Pretax Margin % is ranked better than 73.17% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs CHIX:HOFIs: 38.81
Hoist Finance AB (CHIX:HOFIs) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Hoist Finance AB Pretax Margin % Related Terms
Hoist Finance AB Pretax Margin % Historical Data
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The historical data trend for Hoist Finance AB's Pretax Margin % 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: Pretax Margin % Comparison
For the Credit Services subindustry, Hoist Finance AB's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's Pretax Margin % 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.
Hoist Finance AB (CHIX:HOFIS) has a Pretax Margin % of 38.14% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Hoist Finance AB and its competitors. This is 51% above median its historical median of 25.27. According to the industry distribution chart, Hoist Finance AB ranks #143 out of 533 companies in the Credit Services industry, placing it in the top 26.8%.
Is Hoist Finance AB's Pretax Margin % too high?
Hoist Finance AB's current Pretax Margin % of 38.14% is 51% above median its 10-year median of 25.27. The Credit Services industry median Pretax Margin % is 20.02. Hoist Finance AB's value of 38.14% is 90.5% above this industry median. Based on the distribution chart, Hoist Finance AB ranks #143 out of 533 companies in the Credit Services industry, which is above 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #143 out of 533 companies for Pretax Margin %. This puts Hoist Finance AB in the upper half of its industry. The industry median Pretax Margin % is 20.02. Hoist Finance AB's value of 38.14% is 90.5% above this benchmark. While the company's 10-year median is 25.27 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current Pretax Margin % of 38.14% is 90.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current Pretax Margin % is 38.14%, which is 51% above median its own 10-year median of 25.27. 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 kr88.20, compared to a current price of kr167.80 — trading 90.2% above its estimated fair value. The current Pretax Margin % is 38.14%, which is 51% above median its 10-year median of 25.27 and 90.5% above the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current Pretax Margin % is 38.14% 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 90.2% above its estimated GF Value™ of kr88.20.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
Pretax Margin %: 38.14% (51% above median its 10-year median of 25.27)
GF Value™: kr88.20 vs. price of kr167.80 (90.2% above fair value)
Industry Position: 90.5% above the Credit Services median (#143 of 533)
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.
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