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The 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. As of today (2026-09-08), Hoist Finance AB's 3-Year Sortino Ratio is 13.73.
Hoist Finance AB (CHIX:HOFIs) 3-Year Sortino Ratio Explanation
The 3-Year Sortino Ratio inidicates the risk-adjusted return of an investment over the past three year. It is calculated as the annualized result of the average three-year monthly excess returns divided by the standard deviation of negative returns in the three-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.
Differnt from the Sharpe Ratio that penalizes both upside and downside volatility equally, the Sortino Ratio penalizes only those returns falling below a user-specified target or required rate of return. The expected returns here is set to the risk-free rate as well.
Hoist Finance AB 3-Year Sortino Ratio Related Terms
CHIX:HOFIS vs V, MA, AXP: 3-Year Sortino Ratio Comparison
For the Credit Services subindustry, Hoist Finance AB's 3-Year Sortino Ratio, along with its competitors' market caps and 3-Year Sortino Ratio 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 Sortino Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's 3-Year Sortino Ratio distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's 3-Year Sortino Ratio falls into.
The 3-Year Sortino Ratio measures the risk-adjusted return of an investment asset or portfolio in the last three year, focusing specifically on downside risk rather than total risk. A stock / portfolio's 3-Year Sortino Ratio can be calculated by dividing the difference between the three-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the downside risks over the past three year.
A downside risk is a potential loss from the asset or investment. The Downside risk here is measured by the downside deviation, which is the standard deviation of negative returns.
Hoist Finance AB (CHIX:HOFIS) has a 3-Year Sortino Ratio of 13.73 as of Sep. 08, 2026. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for Hoist Finance AB and its competitors.
Is Hoist Finance AB's 3-Year Sortino Ratio too high?
Hoist Finance AB's current 3-Year Sortino Ratio is 13.73. 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 3-Year Sortino Ratio compare to V and MA?
Hoist Finance AB's 3-Year Sortino Ratio of 13.73 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Sortino Ratio for a Credit Services company?
A good 3-Year Sortino Ratio depends on the Credit Services industry context. However, 3-Year Sortino Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Sortino Ratio mean?
A high 3-Year Sortino Ratio can signal that a stock is expensive relative to its fundamentals. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for Hoist Finance AB and its competitors. Hoist Finance AB's current 3-Year Sortino Ratio is 13.73. 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 kr102.34, compared to a current price of kr217.40 — trading 112.4% above its estimated fair value. The current 3-Year Sortino Ratio is 13.73. 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 3-Year Sortino Ratio calculated?
3-Year Sortino Ratio is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current 3-Year Sortino Ratio is 13.73 as of Sep. 08, 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 112.4% above its estimated GF Value™ of kr102.34.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
3-Year Sortino Ratio: 13.73
GF Value™: kr102.34 vs. price of kr217.40 (112.4% above fair value)
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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