Hoist Finance AB Income Statement

Financials in millions SEK. Fiscal year is January - December.

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	5,656	4,995	3,645	2,728	2,387	3,308
Total Interest Expense	1,916	1,428	829	562	573	582
Net Interest Income	3,740	3,567	2,816	2,166	1,814	2,726
Commissions and Fees	29	75	103	66	62	93
Other Revenue	59	69	136	314	151	-65
Revenue Before Loan Losses	3,828	3,711	3,055	2,546	2,027	2,754
Provision for Loan Losses	-360	-527	-357	-53	69	458
Revenue	4,188	4,238	3,412	2,599	1,958	2,296
Revenue Growth (YoY)	4.67%	24.21%	31.28%	32.74%	-14.72%	-25.84%
Salaries & Employee Benefits	923	983	961	766	714	858
Cost of Services Provided	1,957	1,987	1,706	1,339	1,159	1,347
Other Operating Expenses	-63	-45	-59	-19	-15	-14
Total Operating Expenses	2,896	3,024	2,704	2,195	1,976	2,314
Operating Income	1,292	1,214	708	404	-18	-18
Earnings From Equity Investments	6	7	114	91	61	57
Currency Exchange Gain (Loss)	-65	-65	-19	-5	-70	58
EBT Excluding Unusual Items	1,303	1,330	846	490	-27	97
Restructuring Charges	-	-	-	-	-3	-4
Other Unusual Items	-30	-30	-	-	-	-
Pretax Income	1,273	1,300	846	490	-30	82
Income Tax Expense	247	287	183	78	134	41
Earnings From Continuing Ops.	1,026	1,013	663	412	-164	41
Earnings From Discontinued Ops.	-	-	-	389	47	-
Net Income	1,026	1,013	663	801	-117	41
Preferred Dividends & Other Adjustments	124	134	152	95	90	86
Net Income to Common	902	879	511	706	-207	-45
Net Income Growth	13.50%	52.79%	-17.23%	-	-	-93.22%
Shares Outstanding (Basic)	87	87	89	89	89	89
Shares Outstanding (Diluted)	87	87	89	89	89	89
Shares Change (YoY)	-0.34%	-2.20%	-	-	-	-0.01%
EPS (Basic)	10.32	10.07	5.72	7.91	-2.32	-0.50
EPS (Diluted)	10.31	10.07	5.72	7.91	-2.32	-0.50
EPS Growth	17.57%	76.02%	-27.65%	-	-	-
Free Cash Flow	6,312	5,808	4,402	3,844	3,481	4,857
Free Cash Flow Per Share	72.20	66.50	49.29	43.04	38.98	54.39
Dividend Per Share	2.000	2.000	-	-	-	-
Operating Margin	30.85%	28.65%	20.75%	15.54%	-0.92%	-0.78%
Profit Margin	21.54%	20.74%	14.98%	27.16%	-10.57%	-1.96%
Free Cash Flow Margin	150.72%	137.05%	129.01%	147.90%	177.78%	211.54%
Effective Tax Rate	19.40%	22.08%	21.63%	15.92%	-	50.00%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.