Hoist Finance AB (publ)

Hoist Finance AB (publ) is a Stockholm-based financial services group focused on acquiring and servicing non-performing and late-stage consumer receivables across several European markets, with funding primarily from retail deposits and market debt and supervision by the Swedish Financial Supervisory Authority. The company buys portfolios of charged-off or delinquent loans from banks and other creditors at a discount and manages collections over multi‑year horizons; earnings depend on actual cash collections versus internal forecasts, portfolio pricing discipline, operating costs, and credit revaluations under IFRS 9. Key internal metrics typically include estimated remaining collections, portfolio book value and impairments, collection effectiveness, operating leverage, and capital and liquidity ratios; results can be volatile due to revaluations, portfolio sales, and timing of legal recoveries. Deposits are offered to retail savers in selected markets through term and notice accounts that are generally covered by applicable national deposit guarantee schemes; funding is supplemented by senior unsecured instruments and other facilities subject to market conditions. Risk drivers include macroeconomic pressure on borrowers, interest rate shifts impacting deposit costs and discount rates, regulatory and conduct requirements in multiple jurisdictions, data protection and operational resilience, and model risk in portfolio valuation. The business model relies on compliant and cost‑efficient recovery strategies (in‑house and outsourced), rigorous underwriting of new portfolio bids, and disciplined capital allocation to balance growth with regulatory buffers. Hoist Finance is publicly listed in Sweden and publishes audited financial statements and Pillar 3 disclosures that detail risk exposure, capital adequacy, and funding structure.