Intäkter

Rörelseresultat

Hoist Finance

Finans

Income

Operating profit

**Summary CEO's words**
The CEO highlights the strategic acquisition of Azzurro Associates, enhancing Hoist Finance's investment portfolio and market presence. The company continues to focus on operational efficiency and cost control, while maintaining robust capital and liquidity levels, as evidenced by the upgraded credit ratings from Moody's.

**Income**
Income increased to 1,444 MSEK (1,043 MSEK). The increase was driven by strong collections at 108%, a growing investment portfolio, and the acquisition of Azzurro Associates, which added significant portfolio value. Additionally, a VAT refund positively impacted the income.

**Operating profit**
Operating profit increased to 633 MSEK (311 MSEK). The increase was driven by strong operational performance, tight cost control, and the acquisition of Azzurro Associates. However, it was also impacted by one-off costs related to the acquisition of Azzurro Associates.

**Summary CEO's words**
The CEO has outlined strategic moves for Q1 2026, including significant investments in new portfolios and the acquisition of UK debt purchaser Azzurro Associates to strengthen Hoist Finance's position in Europe's largest credit market. The company remains focused on cost control and has maintained robust capital and liquidity levels.

**Income**
Income increased to 1,168 MSEK (1,030 MSEK). Income growth was driven by higher activity across all disciplines, significant portfolio acquisitions, and the acquisition of Azzurro Associates, which strengthened the market position in the UK.

**Operating profit**
Operating profit amounted to 394 MSEK (331 MSEK). Operating profit was positively impacted by strong collection performance, tight cost control, and a one-off tax income from the reversal of a previous provision. However, it was negatively affected by one-off costs related to the ongoing acquisition.

**Summary CEO's words**
The CEO highlights the strategic achievement of obtaining Specialised Debt Restructurer (SDR) status, which enhances Hoist Finance's investment capacity. Additionally, the company remains focused on tight cost control and has proposed a total dividend of SEK 6.0 per share, reflecting confidence in its strengthened financial position.

**Income**
Total operating income increased to 1,553 MSEK (937 MSEK). The increase was driven by higher investment activity, particularly in the acquisition of larger portfolios in various European countries, and a record collection performance of 108%, which is seasonally strong for the fourth quarter.

**Operating profit**
Profit before tax increased to 488 MSEK (349 MSEK). The significant increase was driven by higher investment activity and record collection performance, offset by headwinds from the stronger SEK and increased funding costs due to SDR status.

**Summary CEO's words**
The CEO focused on strategic investments and geographic expansion, highlighted by the acquisition of the first loan portfolio in Finland, enhancing Hoist Finance's presence in Northern Europe. Additionally, the company optimized its capital structure through the issuance of AT1 capital and maintained a strong liquidity position.

**Income**
Income decreased by 10.2% to 937 MSEK (1,043 MSEK). The decline was driven by stable collection performance and investments in new portfolios, partially offset by currency fluctuations.

**Operating profit**
Operating profit increased by 12.2% to 349 MSEK (311 MSEK). The increase was driven by tight cost control and stable collection performance, but was negatively impacted by net positive non-recurring items in the same quarter last year.

	PREVIOUS OUTCOME	Q3-26
	Pinpoint 2 estimates	Your estimate
Income. MSEK
Growth YoY, %
Opr. profit MSEK
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	PREVIOUS OUTCOME	2026		2027		2028
	Pinpoint 4 estimates	Your estimate	Pinpoint 2 estimates	Your estimate	Pinpoint 0 estimates	Your estimate
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Hoist Finance - HOFI

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