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H&T Group AIM:HAT Stock Report

Last Price

UK£3.48

Market Cap

UK£151.3m

7D

-1.1%

1Y

-21.1%

Updated

22 Dec, 2024

Data

Company Financials +

H&T Group plc

AIM:HAT Stock Report

Market Cap: UK£151.3m

HAT Stock Overview

Primarily provides pawnbroking services in the United Kingdom and internationally. More details

HAT fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance5/6
Financial Health4/6
Dividends3/6

Rewards

Trading at 13.2% below our estimate of its fair value

Earnings are forecast to grow 6.66% per year

Earnings grew by 29.3% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Dividend of 5.03% is not well covered by free cash flows


My Notes

Capture your thoughts, links and company narrative

H&T Group plc Competitors

S&U

LSE:SUS

UK£169.5m

Ramsdens Holdings

AIM:RFX

UK£71.8m

International Personal Finance

LSE:IPF

UK£273.6m

ASA International Group

LSE:ASAI

UK£77.5m

Price History & Performance

Summary of share price highs, lows and changes for H&T Group
Historical stock prices
Current Share PriceUK£3.48
52 Week HighUK£4.44
52 Week LowUK£3.05
Beta0.70
1 Month Change0.87%
3 Month Change-5.69%
1 Year Change-21.09%
3 Year Change17.97%
5 Year Change9.43%
Change since IPO88.62%

Recent News & Updates

H&T Group (LON:HAT) Is Due To Pay A Dividend Of £0.07

Aug 23
H&T Group (LON:HAT) Is Due To Pay A Dividend Of £0.07

There's No Escaping H&T Group plc's (LON:HAT) Muted Earnings

Jul 23
There's No Escaping H&T Group plc's (LON:HAT) Muted Earnings

Recent updates

H&T Group (LON:HAT) Is Due To Pay A Dividend Of £0.07

Aug 23
H&T Group (LON:HAT) Is Due To Pay A Dividend Of £0.07

There's No Escaping H&T Group plc's (LON:HAT) Muted Earnings

Jul 23
There's No Escaping H&T Group plc's (LON:HAT) Muted Earnings

H&T Group (LON:HAT) Is Increasing Its Dividend To £0.105

May 23
H&T Group (LON:HAT) Is Increasing Its Dividend To £0.105

H&T Group's (LON:HAT) Upcoming Dividend Will Be Larger Than Last Year's

May 01
H&T Group's (LON:HAT) Upcoming Dividend Will Be Larger Than Last Year's

H&T Group (LON:HAT) Will Pay A Larger Dividend Than Last Year At £0.105

Apr 17
H&T Group (LON:HAT) Will Pay A Larger Dividend Than Last Year At £0.105

UK£5.15: That's What Analysts Think H&T Group plc (LON:HAT) Is Worth After Its Latest Results

Mar 16
UK£5.15: That's What Analysts Think H&T Group plc (LON:HAT) Is Worth After Its Latest Results

H&T Group (LON:HAT) Is Increasing Its Dividend To £0.105

Mar 15
H&T Group (LON:HAT) Is Increasing Its Dividend To £0.105

Market Still Lacking Some Conviction On H&T Group plc (LON:HAT)

Jan 24
Market Still Lacking Some Conviction On H&T Group plc (LON:HAT)

H&T Group's (LON:HAT) Dividend Will Be Increased To £0.065

Aug 26
H&T Group's (LON:HAT) Dividend Will Be Increased To £0.065

H&T Group's (LON:HAT) Shareholders Will Receive A Bigger Dividend Than Last Year

Aug 11
H&T Group's (LON:HAT) Shareholders Will Receive A Bigger Dividend Than Last Year

H&T Group's (LON:HAT) Shareholders Will Receive A Bigger Dividend Than Last Year

Apr 05
H&T Group's (LON:HAT) Shareholders Will Receive A Bigger Dividend Than Last Year

H&T Group's (LON:HAT) Upcoming Dividend Will Be Larger Than Last Year's

Mar 10
H&T Group's (LON:HAT) Upcoming Dividend Will Be Larger Than Last Year's

H&T Group (LON:HAT) Is Paying Out A Larger Dividend Than Last Year

Aug 12
H&T Group (LON:HAT) Is Paying Out A Larger Dividend Than Last Year

H&T Group (LON:HAT) Is Increasing Its Dividend To UK£0.08

Apr 28
H&T Group (LON:HAT) Is Increasing Its Dividend To UK£0.08

H&T Group plc (LON:HAT) Is An Attractive Dividend Stock - Here's Why

Mar 24
H&T Group plc (LON:HAT) Is An Attractive Dividend Stock - Here's Why

What Is The Ownership Structure Like For H&T Group plc (LON:HAT)?

Feb 22
What Is The Ownership Structure Like For H&T Group plc (LON:HAT)?

Shareholders Of H&T Group (LON:HAT) Must Be Happy With Their 56% Return

Jan 18
Shareholders Of H&T Group (LON:HAT) Must Be Happy With Their 56% Return

How Does H&T Group plc (LON:HAT) Stand Up To These Simple Dividend Safety Checks?

Dec 13
How Does H&T Group plc (LON:HAT) Stand Up To These Simple Dividend Safety Checks?

Shareholder Returns

HATGB Consumer FinanceGB Market
7D-1.1%-2.0%-2.6%
1Y-21.1%-2.3%2.4%

Return vs Industry: HAT underperformed the UK Consumer Finance industry which returned -2.3% over the past year.

Return vs Market: HAT underperformed the UK Market which returned 2.4% over the past year.

Price Volatility

Is HAT's price volatile compared to industry and market?
HAT volatility
HAT Average Weekly Movement4.0%
Consumer Finance Industry Average Movement5.6%
Market Average Movement4.8%
10% most volatile stocks in GB Market10.6%
10% least volatile stocks in GB Market2.6%

Stable Share Price: HAT has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: HAT's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18971,367Chris Gillespiewww.handt.co.uk

H&T Group plc, together with its subsidiaries, primarily provides pawnbroking services in the United Kingdom and internationally. It operates through seven segments: Pawnbroking, Gold Purchasing, Retail, Pawnbroking Scrap, Personal Loans, Foreign Exchange, and Other Services. The company offers personal loans; and gold purchasing, cheque cashing, unsecured lending, buyback, foreign exchange currency, and money wire transfer services, as well as engages in the retail of new and pre-owned jewelry and watches.

H&T Group plc Fundamentals Summary

How do H&T Group's earnings and revenue compare to its market cap?
HAT fundamental statistics
Market capUK£151.31m
Earnings (TTM)UK£21.73m
Revenue (TTM)UK£234.59m

7.0x

P/E Ratio

0.6x

P/S Ratio

Is HAT overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HAT income statement (TTM)
RevenueUK£234.59m
Cost of RevenueUK£97.47m
Gross ProfitUK£137.12m
Other ExpensesUK£115.39m
EarningsUK£21.73m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.50
Gross Margin58.45%
Net Profit Margin9.26%
Debt/Equity Ratio35.7%

How did HAT perform over the long term?

See historical performance and comparison

Dividends

5.0%

Current Dividend Yield

35%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 05:44
End of Day Share Price 2024/12/20 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

H&T Group plc is covered by 11 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullCanaccord Genuity
Ben ArcherCharles Stanley Securities
Justin BatesDaniel Stewart & Company