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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	5,760	5,633	4,995	3,645	2,728	2,387
Total Interest Expense	1,987	1,938	1,428	829	562	573
Net Interest Income	3,773	3,695	3,567	2,816	2,166	1,814
Commissions and Fees	19	18	75	103	66	62
Other Revenue	211	218	69	136	314	151
Revenue Before Loan Losses	4,003	3,931	3,711	3,055	2,546	2,027
Provision for Loan Losses	-562	-496	-527	-357	-53	69
Revenue	4,565	4,427	4,238	3,412	2,599	1,958
Revenue Growth (YoY)	6.02%	4.46%	24.21%	31.28%	32.74%	-14.72%
Salaries & Employee Benefits	931	919	983	961	766	714
Cost of Services Provided	2,002	1,935	2,017	1,706	1,339	1,159
Other Operating Expenses	-65	-65	-45	-59	-19	-15
Total Operating Expenses	2,936	2,861	3,054	2,704	2,195	1,976
Operating Income	1,629	1,566	1,184	708	404	-18
Earnings From Equity Investments	4	5	7	114	91	61
Currency Exchange Gain (Loss)	-216	-216	-65	-19	-5	-70
EBT Excluding Unusual Items	1,546	1,484	1,300	846	490	-27
Restructuring Charges	-	-	-	-	-	-3
Pretax Income	1,546	1,484	1,300	846	490	-30
Income Tax Expense	330	345	287	183	78	134
Earnings From Continuing Ops.	1,216	1,139	1,013	663	412	-164
Earnings From Discontinued Ops.	-	-	-	-	389	47
Net Income	1,216	1,139	1,013	663	801	-117
Preferred Dividends & Other Adjustments	125	125	134	152	95	90
Net Income to Common	1,091	1,014	879	511	706	-207
Net Income Growth	20.40%	12.44%	52.79%	-17.23%	-	-
Shares Outstanding (Basic)	83	87	87	89	89	89
Shares Outstanding (Diluted)	83	87	87	89	89	89
Shares Change (YoY)	-10.85%	0.10%	-2.20%	-	-	-
EPS (Basic)	13.12	11.60	10.07	5.72	7.91	-2.32
EPS (Diluted)	13.12	11.59	10.07	5.72	7.91	-2.32
EPS Growth	30.51%	15.11%	76.02%	-27.65%	-	-
Free Cash Flow	5,252	5,921	5,808	4,402	3,844	3,481
Free Cash Flow Per Share	63.18	67.73	66.50	49.29	43.04	38.98
Dividend Per Share	3.260	3.260	2.000	-	-	-
Dividend Growth	63.00%	63.00%	-	-	-	-
Operating Margin	35.69%	35.37%	27.94%	20.75%	15.54%	-0.92%
Profit Margin	23.90%	22.91%	20.74%	14.98%	27.16%	-10.57%
Free Cash Flow Margin	115.05%	133.75%	137.05%	129.01%	147.90%	177.78%
Effective Tax Rate	21.34%	23.25%	22.08%	21.63%	15.92%	-

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