Hoist Finance ABCHIX:HOFIS 60 ROA % is 2.11% as of Mar. 2026, which is 1% above its 10-year median of 2.08. 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 546 Credit Services companies, Hoist Finance AB ranks better than 51.1% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Hoist Finance AB's annualizedNet Income for the quarter that ended in Mar. 2026 was kr1,348 Mil.
Hoist Finance AB's average Total Assets over the quarter that ended in Mar. 2026 was kr63,896 Mil. Therefore, Hoist Finance AB's annualized ROA % for the quarter that ended in Mar. 2026 was 2.11%.
The historical rank and industry rank for Hoist Finance AB's ROA % or its related term are showing as below:
CHIX:HOFIs'
s ROA % Range Over the Past 10 Years
Min: -0.38 Med: 2.08 Max: 2.55
Current: 2
During the past 13 years, Hoist Finance AB's highest ROA % was 2.55%. The lowest was -0.38%. And the median was 2.08%.
CHIX:HOFIs's ROA % is ranked better than 51.1% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs CHIX:HOFIs: 2.00
Hoist Finance AB (CHIX:HOFIs) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Hoist Finance AB ROA % Related Terms
Hoist Finance AB ROA % Historical Data
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The historical data trend for Hoist Finance AB's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's ROA % distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Hoist Finance AB (CHIX:HOFIS) has a ROA % of 2.11% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Hoist Finance AB and its competitors. This is near median its historical median of 2.08. According to the industry distribution chart, Hoist Finance AB ranks #267 out of 546 companies in the Credit Services industry, placing it in the top 48.9%.
Is Hoist Finance AB's ROA % too high?
Hoist Finance AB's current ROA % of 2.11% is near median its 10-year median of 2.08. The Credit Services industry median ROA % is 1.93. Hoist Finance AB's value of 2.11% is 9.3% above this industry median. Based on the distribution chart, Hoist Finance AB ranks #267 out of 546 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 ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #267 out of 546 companies for ROA %. This puts Hoist Finance AB in the upper half of its industry. The industry median ROA % is 1.93. Hoist Finance AB's value of 2.11% is 9.3% above this benchmark. While the company's 10-year median is 2.08 vs. the industry median of 1.93, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current ROA % of 2.11% is 9.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current ROA % is 2.11%, which is near median its own 10-year median of 2.08. 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 ROA % is 2.11%, which is near median its 10-year median of 2.08 and 9.3% above the Credit Services industry median of 1.93. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current ROA % is 2.11% 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 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:
ROA %: 2.11% (near median its 10-year median of 2.08)
GF Value™: kr91.95 vs. price of kr167.80 (82.5% above fair value)
Industry Position: 9.3% above the Credit Services median (#267 of 546)
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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