Sweden · Delayed Price · Currency is SEK Hoist Finance AB Earnings Call Transcripts
Fiscal Year 2026
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Profit before tax grew 32% year-over-year (FX-adjusted), with strong collection performance and portfolio growth of 19%. The Azzurro acquisition will boost UK and SME exposure, while capital and liquidity remain robust. Underlying ROE reached 18.4%.
Fiscal Year 2025
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Record Q4 and full-year results driven by strong collections, portfolio growth, and cost control. Achieved SDR status, expanded funding sources, and maintained robust capital and liquidity, positioning for further growth in 2026.
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Profit before tax reached SEK 349 million in Q3 2025, with adjusted growth of 13% year-over-year and return on equity at 17.6%. Portfolio investments totaled SEK 2.4 billion, and the company is on track for SDR status in February 2026, expecting increased investment capacity and continued cost discipline.
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Q2 2025 saw profit before tax of SEK 310 million, with strong underlying ROE of 16.1% and robust portfolio growth. Cost control, high collection performance, and a solid investment pipeline support the target of SEK 36 billion by 2026. Moody’s upgraded the outlook to positive.
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Q1 2025 saw profit before tax rise 19% to SEK 332 million and return on equity at 16.7%, driven by core business growth and cost control. Portfolio value increased 10% year-over-year, and the company is on track for SDR status in 2026, with a strong investment pipeline and robust capital position.
Fiscal Year 2024
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Record portfolio investments and strong core business performance drove 16.8% ROE and 50% net earnings growth in 2024. Regulatory uncertainty around SDR status persists, but capital and liquidity positions remain robust, supporting continued growth ambitions.
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Record Q3 investments and strong returns drove profit before tax to SEK 369 million, with ROE at 16% and robust liquidity and capital positions. Portfolio growth and supportive market conditions underpin a positive outlook, with collection performance expected to rebound in Q4.
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A data-driven, low-risk NPL manager is targeting profitable growth, aiming to double its portfolio while maintaining a leading ROE above 15%. With industry-leading funding costs, robust risk management, and a push for SDR status, it is well positioned for continued expansion in a dynamic European NPL market.
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Q2 saw robust profit growth, strong portfolio investments, and 18% ROE, with underlying business performance in line with targets. The board will pursue SDR status, simplifying capital requirements and supporting future growth, while maintaining a stable funding base.