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Hoist Finance ABCHIX:HOFIS 57 Forward Rate of Return (Yacktman) % is 44.02% as of Jun. 2026, which is 57% below its 10-year median of 102.63. GuruFocus rates CHIX:HOFIS with a GF Score™ of 57/100 and a GF Value™ of kr100.98 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 401 Credit Services companies, Hoist Finance AB ranks better than 92.02% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Hoist Finance AB's forward rate of return for was 44.02%.
The historical rank and industry rank for Hoist Finance AB's Forward Rate of Return (Yacktman) % or its related term are showing as below:
CHIX:HOFIs'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 11.43 Med: 102.63 Max: 202.46
Current: 39.14
During the past 13 years, Hoist Finance AB's highest Forward Rate of Return was 202.46. The lowest was 11.43. And the median was 102.63.
CHIX:HOFIs's Forward Rate of Return (Yacktman) % is ranked better than 92.02% of 401
companies
in the Credit Services industry
Industry Median: 4.84
vs CHIX:HOFIs: 39.14
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Hoist Finance AB (CHIX:HOFIs) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Hoist Finance AB Forward Rate of Return (Yacktman) % Related Terms
Hoist Finance AB Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for Hoist Finance AB's Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % Chart
CHIX:HOFIS vs V, MA, AXP: Forward Rate of Return (Yacktman) % Comparison
For the Credit Services subindustry, Hoist Finance AB's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's Forward Rate of Return (Yacktman) % falls into.
Hoist Finance AB Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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 Forward Rate of Return (Yacktman) % of 44.02% mean?
Hoist Finance AB (CHIX:HOFIS) has a Forward Rate of Return (Yacktman) % of 44.02% as of Jun. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Hoist Finance AB and its competitors. This is 57% below median its historical median of 102.63. Over the past decade, Hoist Finance AB's Forward Rate of Return (Yacktman) % has ranged from 11.43 to 202.46. According to the industry distribution chart, Hoist Finance AB ranks #32 out of 401 companies in the Credit Services industry, placing it in the top 8%.
Is Hoist Finance AB's Forward Rate of Return (Yacktman) % too high?
Hoist Finance AB's current Forward Rate of Return (Yacktman) % of 44.02% is 57% below median its 10-year median of 102.63. Over the past 10 years, this metric has ranged from a low of 11.43 to a high of 202.46. The Credit Services industry median Forward Rate of Return (Yacktman) % is 4.84. Hoist Finance AB's value of 44.02% is 809.5% above this industry median. Based on the distribution chart, Hoist Finance AB ranks #32 out of 401 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 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hoist Finance AB's Forward Rate of Return (Yacktman) % compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #32 out of 401 companies for Forward Rate of Return (Yacktman) %. This places Hoist Finance AB in the top 8% of its industry — outperforming the majority of peers. The industry median Forward Rate of Return (Yacktman) % is 4.84. Hoist Finance AB's value of 44.02% is 809.5% above this benchmark. Historically, Hoist Finance AB's own Forward Rate of Return (Yacktman) % has ranged from 11.43 to 202.46 over the past decade. While the company's 10-year median is 102.63 vs. the industry median of 4.84, 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 Forward Rate of Return (Yacktman) % for a Credit Services company?
The median Forward Rate of Return (Yacktman) % among Credit Services companies is 4.84, based on 401 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current Forward Rate of Return (Yacktman) % of 44.02% is 809.5% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median Forward Rate of Return (Yacktman) % is 4.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current Forward Rate of Return (Yacktman) % is 44.02%, which is 57% below median its own 10-year median of 102.63. 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 kr100.98, compared to a current price of kr217.40 — trading 115.3% above its estimated fair value. The current Forward Rate of Return (Yacktman) % is 44.02%, which is 57% below median its 10-year median of 102.63 and 809.5% above the Credit Services industry median of 4.84. Hoist Finance AB's overall GF Score™ is 57/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current Forward Rate of Return (Yacktman) % is 44.02% 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 kr217.40 is trading 115.3% above its estimated GF Value™ of kr100.98.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
Forward Rate of Return (Yacktman) %: 44.02% (57% below median its 10-year median of 102.63)
GF Value™: kr100.98 vs. price of kr217.40 (115.3% above fair value)
Industry Position: 809.5% above the Credit Services median (#32 of 401)
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.
57GF Score
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