Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Hoist Finance AB's 3-Year RORE % for the quarter that ended in Mar. 2026 was 17.76%.
The industry rank for Hoist Finance AB's 3-Year RORE % or its related term are showing as below:
CHIX:HOFIs's 3-Year RORE % is ranked better than 64.35% of 519
companies
in the Credit Services industry
Industry Median: 8.83
vs CHIX:HOFIs: 17.76
Hoist Finance AB (CHIX:HOFIs) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Hoist Finance AB 3-Year RORE % Related Terms
Hoist Finance AB 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Hoist Finance AB's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Credit Services subindustry, Hoist Finance AB's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Hoist Finance AB (CHIX:HOFIS) has a 3-Year RORE % of 17.76 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Hoist Finance AB and its competitors. According to the industry distribution chart, Hoist Finance AB ranks #185 out of 519 companies in the Credit Services industry, placing it in the top 35.6%.
Is Hoist Finance AB's 3-Year RORE % too high?
Hoist Finance AB's current 3-Year RORE % is 17.76. The Credit Services industry median 3-Year RORE % is 8.83. Hoist Finance AB's value of 17.76 is 101.1% above this industry median. Based on the distribution chart, Hoist Finance AB ranks #185 out of 519 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 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #185 out of 519 companies for 3-Year RORE %. This puts Hoist Finance AB in the upper half of its industry. The industry median 3-Year RORE % is 8.83. Hoist Finance AB's value of 17.76 is 101.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.83, based on 519 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current 3-Year RORE % of 17.76 is 101.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current 3-Year RORE % is 17.76. 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 kr92.69, compared to a current price of kr167.80 — trading 81% above its estimated fair value. The current 3-Year RORE % is 17.76 and 101.1% above the Credit Services industry median of 8.83. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current 3-Year RORE % is 17.76 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 81% above its estimated GF Value™ of kr92.69.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
3-Year RORE %: 17.76
GF Value™: kr92.69 vs. price of kr167.80 (81% above fair value)
Industry Position: 101.1% above the Credit Services median (#185 of 519)
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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