Hoist Finance

In the annual report, CEO Harry Vranjes writes that Hoist Finance during 2025 took a number of important steps forward in terms of growth, profitability and internal process improvements. The company’s operating model, which combines in-house loan management with outsourced, is working well – and has contributed to recent years’ investment growth, both in existing markets and to new ones.

For full year 2025, Hoist Finance delivered a profit after tax of SEK 1.1 billion and a return on equity of 18 per cent. The Board proposes a dividend of SEK 6 per share. The company is meeting its financial targets in terms of profitability, growth in earnings per share and capital levels. Having qualified as a specialised debt restructurer (SDR) since February 2026, and with a continued active transaction market for non-performing loans, Harry Vranjes concludes that there are good prospects for the company to increase its yearly investment pace going forward.

First sustainability statement according to CSRD
Through its investment activities, Hoist Finance offload credit risk from the European banking system and through its loan management operations, it supports individuals with non-performing loans in managing their debts. Social sustainability is therefore an integrated part of Hoist Finance’s business model.

The 2025 sustainability statement is the first of Hoist Finance’s sustainability statements to be prepared in accordance with the full spectrum of European Sustainability Reporting Standards (ESRS). The report covers Hoist Finance’s entire value chain and highlights both material sustainability impacts and material sustainability risks, with a focus on social sustainability and governance-related issues. The company’s value creation within its investment operations is demonstrated by including the proportion of non-performing loans that during the year were acquired directly from the banking system, as well as the proportion of these that were acquired from systemically important banks. The value creation in the loan management business is highlighted by reporting the proportion of loans that fall under the regulatory definition for forbearance measures. Read more in the sustainability statement.