Hoist Finance ABCHIX:HOFIS 60 5-Year Yield-on-Cost % is 1.94 as of Jul. 13, 2026, which is 24% above its 10-year median of 1.56. GuruFocus rates CHIX:HOFIS with a GF Score™ of 60/100 and a GF Value™ of kr93.21 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 210 Credit Services companies, Hoist Finance AB ranks worse than 71.9% on this metric.
Hoist Finance AB's yield on cost for the quarter that ended in Mar. 2026 was 1.94.
The historical rank and industry rank for Hoist Finance AB's 5-Year Yield-on-Cost % or its related term are showing as below:
CHIX:HOFIs'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.85 Med: 1.56 Max: 5.11
Current: 1.94
During the past 13 years, Hoist Finance AB's highest Yield on Cost was 5.11. The lowest was 0.85. And the median was 1.56.
CHIX:HOFIs's 5-Year Yield-on-Cost % is ranked worse than 71.9% of 210
companies
in the Credit Services industry
Industry Median: 4.53
vs CHIX:HOFIs: 1.94
Hoist Finance AB (CHIX:HOFIs) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Hoist Finance AB 5-Year Yield-on-Cost % Related Terms
CHIX:HOFIS vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Hoist Finance AB's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Hoist Finance AB's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Hoist Finance AB's 5-Year Yield-on-Cost % falls into.
Hoist Finance AB 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Hoist Finance AB (CHIX:HOFIS) has a 5-Year Yield-on-Cost % of 1.94 as of Jul. 13, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Hoist Finance AB and its competitors. This is 24% above median its historical median of 1.56. Over the past decade, Hoist Finance AB's 5-Year Yield-on-Cost % has ranged from 0.85 to 5.11. According to the industry distribution chart, Hoist Finance AB ranks #151 out of 210 companies in the Credit Services industry, placing it in the top 71.9%.
Is Hoist Finance AB's 5-Year Yield-on-Cost % too high?
Hoist Finance AB's current 5-Year Yield-on-Cost % of 1.94 is 24% above median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.85 to a high of 5.11. The Credit Services industry median 5-Year Yield-on-Cost % is 4.53. Hoist Finance AB's value of 1.94 is 57.2% below this industry median. Based on the distribution chart, Hoist Finance AB ranks #151 out of 210 companies in the Credit Services industry, which is below 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 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Hoist Finance AB ranks #151 out of 210 companies for 5-Year Yield-on-Cost %. This places Hoist Finance AB in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.53. Hoist Finance AB's value of 1.94 is 57.2% below this benchmark. Historically, Hoist Finance AB's own 5-Year Yield-on-Cost % has ranged from 0.85 to 5.11 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 4.53, Hoist Finance AB has consistently been below 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.53, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hoist Finance AB's current 5-Year Yield-on-Cost % of 1.94 is 57.2% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Hoist Finance AB and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hoist Finance AB's current 5-Year Yield-on-Cost % is 1.94, which is 24% above median its own 10-year median of 1.56. 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 kr93.21, compared to a current price of kr167.80 — trading 80% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.94, which is 24% above median its 10-year median of 1.56 and 57.2% below the Credit Services industry median of 4.53. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Hoist Finance AB (CHIX:HOFIS), the current 5-Year Yield-on-Cost % is 1.94 as of Jul. 13, 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 80% above its estimated GF Value™ of kr93.21.
GuruFocus considers Hoist Finance AB to be Significantly Overvalued.
Key valuation signals for CHIX:HOFIS:
5-Year Yield-on-Cost %: 1.94 (24% above median its 10-year median of 1.56)
GF Value™: kr93.21 vs. price of kr167.80 (80% above fair value)
Industry Position: 57.2% below the Credit Services median (#151 of 210)
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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