Hoist Finance AB (publ) (STO:HOFI)

Hoist Finance AB Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	4,995	3,645	2,728	2,387	3,308
Total Interest Expense	1,428	806	562	573	582
Net Interest Income	3,567	2,839	2,166	1,814	2,726
Commissions and Fees	75	103	66	62	93
Other Revenue	4	136	314	151	-65
Revenue Before Loan Losses	3,646	3,078	2,546	2,027	2,754
Provision for Loan Losses	-527	-357	-53	69	458
Revenue	4,173	3,435	2,599	1,958	2,296
Revenue Growth (YoY)	21.48%	32.17%	32.74%	-14.72%	-25.84%
Salaries & Employee Benefits	983	881	766	714	858
Cost of Services Provided	2,017	1,635	1,339	1,159	1,347
Other Operating Expenses	-45	-59	-19	-15	-14
Total Operating Expenses	3,054	2,553	2,195	1,976	2,314
Operating Income	1,119	882	404	-18	-18
Earnings From Equity Investments	7	114	91	61	57
Currency Exchange Gain (Loss)	-	-19	-5	-70	58
EBT Excluding Unusual Items	1,300	1,020	490	-27	97
Restructuring Charges	-	-151	-	-3	-4
Pretax Income	1,300	869	490	-30	82
Income Tax Expense	287	158	78	134	41
Earnings From Continuing Ops.	1,013	711	412	-164	41
Earnings From Discontinued Ops.	-	-	389	47	-
Net Income	1,013	711	801	-117	41
Preferred Dividends & Other Adjustments	134	152	95	90	86
Net Income to Common	879	559	706	-207	-45
Net Income Growth	42.48%	-11.24%	-	-	-93.22%
Shares Outstanding (Basic)	87	89	89	89	89
Shares Outstanding (Diluted)	87	89	89	89	89
Shares Change (YoY)	-2.20%	-	-	-	-0.01%
EPS (Basic)	10.07	6.26	7.91	-2.32	-0.50
EPS (Diluted)	10.07	6.26	7.91	-2.32	-0.50
EPS Growth	60.85%	-20.82%	-	-	-
Free Cash Flow	5,808	4,402	3,844	3,481	4,857
Free Cash Flow Per Share	66.50	49.29	43.04	38.98	54.39
Dividend Per Share	2.000	-	-	-	-
Operating Margin	26.82%	25.68%	15.54%	-0.92%	-0.78%
Profit Margin	21.06%	16.27%	27.16%	-10.57%	-1.96%
Free Cash Flow Margin	139.18%	128.15%	147.90%	177.78%	211.54%
Effective Tax Rate	22.08%	18.18%	15.92%	-	50.00%

Source: S&P Capital IQ. Financial Services template. Financial Sources.