Hoist Finance ABCHIX:HOFIS 60 Return-on-Tangible-Equity is 19.15% as of Mar. 2026, which is 19% above its 10-year median of 16.05. GuruFocus rates CHIX:HOFIS with a GF Score™ of 60/100 and a GF Value™ of kr87.23 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 525 Credit Services companies, Hoist Finance AB ranks better than 83.24% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Hoist Finance AB's annualized net income for the quarter that ended in Mar. 2026 was kr1,348 Mil. Hoist Finance AB's average shareholder tangible equity for the quarter that ended in Mar. 2026 was kr7,041 Mil. Therefore, Hoist Finance AB's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 19.15%.
The historical rank and industry rank for Hoist Finance AB's Return-on-Tangible-Equity or its related term are showing as below:
CHIX:HOFIs'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.49 Med: 16.05 Max: 18.4
Current: 18.4
During the past 13 years, Hoist Finance AB's highest Return-on-Tangible-Equity was 18.40%. The lowest was -2.49%. And the median was 16.05%.
CHIX:HOFIs's Return-on-Tangible-Equity is ranked better than 83.24% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs CHIX:HOFIs: 18.40
Hoist Finance AB (CHIX:HOFIs) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Hoist Finance AB Return-on-Tangible-Equity Related Terms
Hoist Finance AB Return-on-Tangible-Equity Historical Data
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The historical data trend for Hoist Finance AB's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Hoist Finance AB's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's Return-on-Tangible-Equity 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 the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.15% mean?
Hoist Finance AB (CHIX:HOFIS) has a Return-on-Tangible-Equity of 19.15% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hoist Finance AB and its competitors. This is 19% above median its historical median of 16.05. According to the industry distribution chart, Hoist Finance AB ranks #88 out of 525 companies in the Credit Services industry, placing it in the top 16.8%.
Is Hoist Finance AB's Return-on-Tangible-Equity too high?
Hoist Finance AB's current Return-on-Tangible-Equity of 19.15% is 19% above median its 10-year median of 16.05. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Hoist Finance AB's value of 19.15% is 173.2% above this industry median. Based on the distribution chart, Hoist Finance AB ranks #88 out of 525 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 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hoist Finance AB's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #88 out of 525 companies for Return-on-Tangible-Equity. This places Hoist Finance AB in the top 17% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. Hoist Finance AB's value of 19.15% is 173.2% above this benchmark. While the company's 10-year median is 16.05 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current Return-on-Tangible-Equity of 19.15% is 173.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current Return-on-Tangible-Equity is 19.15%, which is 19% above median its own 10-year median of 16.05. 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 kr87.23, compared to a current price of kr167.80 — trading 92.4% above its estimated fair value. The current Return-on-Tangible-Equity is 19.15%, which is 19% above median its 10-year median of 16.05 and 173.2% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current Return-on-Tangible-Equity is 19.15% 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 92.4% above its estimated GF Value™ of kr87.23.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
Return-on-Tangible-Equity: 19.15% (19% above median its 10-year median of 16.05)
GF Value™: kr87.23 vs. price of kr167.80 (92.4% above fair value)
Industry Position: 173.2% above the Credit Services median (#88 of 525)
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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