How we create value

Our business model and strategies are focused on delivering value to all stakeholders


Business model for value creation

Competitive factors

Hoist Finance Unique Operating Model 

Credit market license

Our People

Business Mix 

  • More than 25 years of experience in debt restructuring solutions
  • Full-service and flexible supplier capable to service various stages of the credit risk cycle

Business Model

Individual with loan

Hoist Finance Recovery

Hoist Finance acquires loan
Amicable settlement
Customer repays loan

Healthy Financial Ecosystem

Successfully paying off
Improved credit rating
Affordable credit
Greater financial security
Greater self esteem
Stable rate of economic growth

Value for our stakeholders

Stakeholders Value ...in numbers 2019


Sustainable payment plans so that customers can regain control over their finances.

170,000 monthly customer dialougues
200,000 new payment plans set up
EUR 54 average affordable, monthly customer payments  


A long-term investment with a healthy dividend and a good value growth.

7,429 Shareholders

16% return on share

Deposit customers

Online deposit savings platform in Sweden (HoistSpar) and Germany with competitive interest rates.

75,791 Deposit customers

Up to 1.75% interest rate

Our People

  • Opportunity to work in a stimulating environment with engaging company culture.
  • Opportunities for personal development.

90% response rate in Great Place to Work survey 
12% increase in the number of employees saying Hoist Finance
is a Great Place to Work, compared to 2018.

216 Managers completed educations in Hoist Finance Academy.

Banks and financial institutions

  • Reduced risk exposure. 
  • Increased cash flow, strengthening liquidity.
  • Higher return on equity.
  • Increased focus on core business.

SEK 5,952 million in portfolio acquisitions.

35% of acquisitions within the Secured NPL asset class.


  • Contribute to a healthy financial eco-system.
  • Meet customer needs and societal expectations through our digital developments.
  • Preventative actions to support people not to end up in bad debt. 

5 SDGs and targets selected 

15% digital collections

- Annual Report 2019 -
- √Örsredovisning 2019 -