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Updated 1y ago
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H&T Group plcAIM:HAT Stock Report

Market Cap UK£286.3m
Updated 1y ago
Share Price
n/a
1Y58.5%
7D0%
1D0.3%
Portfolio Value
​
View

H&T Group plc

AIM:HAT Stock Report

Market Cap: UK£286.3m

  • Company Overview
  • Valuation
  • Future Growth
  • Past Performance
  • Financial Health
  • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

This company listing is no longer active

This company may still be operating, however this listing is no longer active. Find out why through their latest events.

H&T Group (HAT) Stock Overview

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

HAT fundamental analysis
Snowflake Score
Valuation1/6
Future Growth1/6
Past Performance1/6
Financial Health4/6
Dividends3/6

Rewards

Price-To-Earnings ratio (12.9x) is below the UK market (15.8x)

Earnings are forecast to grow 8.03% per year

Earnings have grown 12.5% per year over the past 5 years

Risk Analysis

Dividend of 2.77% is not well covered by free cash flows

Large one-off items impacting financial results


HAT Community Fair Values

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UK£
Current Price
UK£6.5012.1% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture0362m2016201920222025202620282031Revenue UK£362.5mEarnings UK£30.4m
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H&T Group plc Competitors

International Personal Finance

Symbol: LSE:IPF
Market cap: UK£589.2m

S&U

Symbol: LSE:SUS
Market cap: UK£243.0m

Ramsdens Holdings

Symbol: AIM:RFX
Market cap: UK£209.0m

ASA International Group

Symbol: LSE:ASAI
Market cap: UK£250.0m

Price History & Performance

Summary of share price highs, lows and changes for H&T Group
Historical stock prices
Current Share PriceUK£6.50
52 Week HighUK£6.50
52 Week LowUK£3.26
Beta0.65
1 Month Change1.88%
3 Month Change0.62%
1 Year Change58.54%
3 Year Change41.30%
5 Year Change126.09%
Change since IPO252.30%

Recent News & Updates

Analysis Article • May 08

Here's Why We Think H&T Group plc's (LON:HAT) CEO Compensation Looks Fair for the time being

Key Insights H&T Group's Annual General Meeting to take place on 15th of May Salary of UK£372.3k is part of CEO Chris...
Analysis Article • Apr 15

H&T Group (LON:HAT) Has Announced That It Will Be Increasing Its Dividend To £0.11

H&T Group plc's ( LON:HAT ) periodic dividend will be increasing on the 27th of June to £0.11, with investors receiving...
Analysis Article • Mar 21

H&T Group's (LON:HAT) Dividend Will Be Increased To £0.11

The board of H&T Group plc ( LON:HAT ) has announced that the dividend on 27th of June will be increased to £0.11...

Recent updates

Analysis Article • May 08

Here's Why We Think H&T Group plc's (LON:HAT) CEO Compensation Looks Fair for the time being

Key Insights H&T Group's Annual General Meeting to take place on 15th of May Salary of UK£372.3k is part of CEO Chris...
Analysis Article • Apr 15

H&T Group (LON:HAT) Has Announced That It Will Be Increasing Its Dividend To £0.11

H&T Group plc's ( LON:HAT ) periodic dividend will be increasing on the 27th of June to £0.11, with investors receiving...
Analysis Article • Mar 21

H&T Group's (LON:HAT) Dividend Will Be Increased To £0.11

The board of H&T Group plc ( LON:HAT ) has announced that the dividend on 27th of June will be increased to £0.11...
Analysis Article • Aug 23

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

The board of H&T Group plc ( LON:HAT ) has announced that it will pay a dividend of £0.07 per share on the 4th of...
Analysis Article • Jul 23

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

With a price-to-earnings (or "P/E") ratio of 8.4x H&T Group plc ( LON:HAT ) may be sending bullish signals at the...
Analysis Article • May 23

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

H&T Group plc's ( LON:HAT ) periodic dividend will be increasing on the 28th of June to £0.105, with investors...
Analysis Article • May 01

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

The board of H&T Group plc ( LON:HAT ) has announced that it will be increasing its dividend by 5.0% on the 28th of...
Analysis Article • Apr 17

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

The board of H&T Group plc ( LON:HAT ) has announced that the dividend on 28th of June will be increased to £0.105...
Analysis Article • Mar 16

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

The investors in H&T Group plc 's ( LON:HAT ) will be rubbing their hands together with glee today, after the share...
Analysis Article • Mar 15

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

H&T Group plc's ( LON:HAT ) periodic dividend will be increasing on the 28th of June to £0.105, with investors...
Analysis Article • Jan 24

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

When close to half the companies in the United Kingdom have price-to-earnings ratios (or "P/E's") above 15x, you may...
Analysis Article • Aug 26

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

H&T Group plc ( LON:HAT ) will increase its dividend from last year's comparable payment on the 6th of October to...
Analysis Article • Aug 11

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

The board of H&T Group plc ( LON:HAT ) has announced that the dividend on 6th of October will be increased to £0.065...
Analysis Article • Apr 05

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

H&T Group plc's ( LON:HAT ) dividend will be increasing from last year's payment of the same period to £0.10 on 23rd of...
Analysis Article • Mar 10

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

H&T Group plc ( LON:HAT ) has announced that it will be increasing its dividend from last year's comparable payment on...
Analysis Article • Aug 12

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

The board of H&T Group plc ( LON:HAT ) has announced that it will be increasing its dividend by 25% on the 7th of...
Analysis Article • Apr 28

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

The board of H&T Group plc ( LON:HAT ) has announced that it will be increasing its dividend on the 24th of June to...
Analysis Article • Mar 24

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

Is H&T Group plc ( LON:HAT ) a good dividend stock? How can we tell? Dividend paying companies with growing earnings...
Analysis Article • Feb 22

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

Every investor in H&T Group plc ( LON:HAT ) should be aware of the most powerful shareholder groups. Insiders often own...
Analysis Article • Jan 18

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

Generally speaking the aim of active stock picking is to find companies that provide returns that are superior to the...
Analysis Article • Dec 13

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

Is H&T Group plc ( LON:HAT ) a good dividend stock? How can we tell? Dividend paying companies with growing earnings...

Shareholder Returns

HATGB Consumer FinanceGB Market
7D0%-6.8%-1.8%
1Y58.5%26.4%15.2%

Return vs Industry: HAT exceeded the UK Consumer Finance industry which returned 43.6% over the past year.

Return vs Market: HAT exceeded the UK Market which returned 15.4% over the past year.

Price Volatility

Is HAT's price volatile compared to industry and market?
HAT volatility
HAT Average Weekly Movement0.8%
Consumer Finance Industry Average Movement7.8%
Market Average Movement4.9%
10% most volatile stocks in GB Market10.3%
10% least volatile stocks in GB Market2.5%

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 has decreased from 7% to 1% over the past year.

About the Company

FoundedEmployeesCEOWebsite
18971,414Chris 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 five segments: Pawnbroking, Gold Purchasing, Retail, Foreign Exchange, and Other Services. The company offers personal loans; watch repair services; and gold purchasing, cheque cashing, unsecured lending, buyback, foreign currency exchange, 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£286.31m
Earnings (TTM)UK£22.23m
Revenue (TTM)UK£265.37m
12.9x
P/E Ratio
1.1x
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£265.37m
Cost of RevenueUK£109.98m
Gross ProfitUK£155.39m
Other ExpensesUK£133.16m
EarningsUK£22.23m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.50
Gross Margin58.56%
Net Profit Margin8.38%
Debt/Equity Ratio36.0%

How did HAT perform over the long term?

See historical performance and comparison

Dividends

2.8%
Current Dividend Yield
35%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/15 21:43
End of Day Share Price 2025/08/13 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* 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.

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 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 Github.

Analyst Sources

H&T Group plc is covered by 4 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
John StevensonPeel Hunt LLP
Gary GreenwoodShore Capital Group Ltd

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