Hoist Finance ABCHIX:HOFIS 60 ROE % is 18.65% as of Mar. 2026, which is 26% above its 10-year median of 14.86. 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 529 Credit Services companies, Hoist Finance AB ranks better than 84.88% on this metric.
The historical rank and industry rank for Hoist Finance AB's ROE % or its related term are showing as below:
CHIX:HOFIs'
s ROE % Range Over the Past 10 Years
Min: -2.32 Med: 14.86 Max: 17.87
Current: 17.87
During the past 13 years, Hoist Finance AB's highest ROE % was 17.87%. The lowest was -2.32%. And the median was 14.86%.
CHIX:HOFIs's ROE % is ranked better than 84.88% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs CHIX:HOFIs: 17.87
Hoist Finance AB (CHIX:HOFIs) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Hoist Finance AB ROE % Related Terms
Hoist Finance AB ROE % Historical Data
* Premium members only.
The historical data trend for Hoist Finance AB's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's ROE % distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Hoist Finance AB (CHIX:HOFIS) has a ROE % of 18.65% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hoist Finance AB and its competitors. This is 26% above median its historical median of 14.86. According to the industry distribution chart, Hoist Finance AB ranks #80 out of 529 companies in the Credit Services industry, placing it in the top 15.1%.
Is Hoist Finance AB's ROE % too high?
Hoist Finance AB's current ROE % of 18.65% is 26% above median its 10-year median of 14.86. The Credit Services industry median ROE % is 6.61. Hoist Finance AB's value of 18.65% is 182.1% above this industry median. Based on the distribution chart, Hoist Finance AB ranks #80 out of 529 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #80 out of 529 companies for ROE %. This places Hoist Finance AB in the top 15% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. Hoist Finance AB's value of 18.65% is 182.1% above this benchmark. While the company's 10-year median is 14.86 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current ROE % of 18.65% is 182.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current ROE % is 18.65%, which is 26% above median its own 10-year median of 14.86. 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 ROE % is 18.65%, which is 26% above median its 10-year median of 14.86 and 182.1% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current ROE % is 18.65% 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:
ROE %: 18.65% (26% above median its 10-year median of 14.86)
GF Value™: kr91.95 vs. price of kr167.80 (82.5% above fair value)
Industry Position: 182.1% above the Credit Services median (#80 of 529)
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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