H&T Group plc primarily provides pawn broking services in the United Kingdom.
Undervalued with solid track record and pays a dividend.
Share Price & News
How has H&T Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HAT's share price has been volatile over the past 3 months.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: HAT exceeded the UK Consumer Finance industry which returned -65.7% over the past year.
Return vs Market: HAT exceeded the UK Market which returned -18.8% over the past year.
Price Volatility Vs. Market
How volatile is H&T Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StHow Does H&T Group's (LON:HAT) P/E Compare To Its Industry, After The Share Price Drop?
2 weeks ago | Simply Wall StH&T Group plc Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
1 month ago | Simply Wall StWhy H&T Group plc (LON:HAT) Should Be In Your Dividend Portfolio
Is H&T Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: HAT (£2.6) is trading below our estimate of fair value (£4.84)
Significantly Below Fair Value: HAT is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: HAT is good value based on its PE Ratio (5.9x) compared to the Consumer Finance industry average (6x).
PE vs Market: HAT is good value based on its PE Ratio (5.9x) compared to the UK market (12.7x).
Price to Earnings Growth Ratio
PEG Ratio: HAT is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: HAT is overvalued based on its PB Ratio (0.8x) compared to the GB Consumer Finance industry average (0.8x).
How is H&T Group forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HAT's forecast earnings growth (8.2% per year) is above the savings rate (0.5%).
Earnings vs Market: HAT's earnings (8.2% per year) are forecast to grow slower than the UK market (15.4% per year).
High Growth Earnings: HAT's earnings are forecast to grow, but not significantly.
Revenue vs Market: HAT's revenue (7.4% per year) is forecast to grow faster than the UK market (2.7% per year).
High Growth Revenue: HAT's revenue (7.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: HAT's Return on Equity is forecast to be low in 3 years time (13.9%).
How has H&T Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HAT has high quality earnings.
Growing Profit Margin: HAT's current net profit margins (10.4%) are higher than last year (7.6%).
Past Earnings Growth Analysis
Earnings Trend: HAT's earnings have grown significantly by 23.4% per year over the past 5 years.
Accelerating Growth: HAT's earnings growth over the past year (54.1%) exceeds its 5-year average (23.4% per year).
Earnings vs Industry: HAT earnings growth over the past year (54.1%) exceeded the Consumer Finance industry 12.7%.
Return on Equity
High ROE: HAT's Return on Equity (13.6%) is considered low.
How is H&T Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: HAT has a high level of physical assets or inventory.
Debt Coverage by Assets: HAT's debt is covered by short term assets (assets are 5.2x debt).
Financial Institutions Analysis
Asset Level: HAT's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if HAT has a sufficient allowance for bad loans.
Low Risk Liabilities: HAT reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if HAT has an acceptable proportion of non-loan assets held.
Low Risk Deposits: HAT has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if HAT has an appropriate level of bad loans.
What is H&T Group's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: HAT's dividend (4.5%) is higher than the bottom 25% of dividend payers in the UK market (2.65%).
High Dividend: HAT's dividend (4.5%) is low compared to the top 25% of dividend payers in the UK market (7.27%).
Stability and Growth of Payments
Stable Dividend: HAT's dividend payments have been volatile in the past 10 years.
Growing Dividend: HAT's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (26.7%), HAT's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: HAT's dividends in 3 years are forecast to be well covered by earnings (35% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
John Nichols (68yo)
Mr. John G. Nichols serves as Chief Executive at H&T Group Plc and has been its Managing Director since 1997. Mr. Nichols had an early career in the RAF and entered the leisure industry with the Rank Organ ...
CEO Compensation Analysis
Compensation vs Market: John's total compensation ($USD401.09K) is about average for companies of similar size in the UK market ($USD330.32K).
Compensation vs Earnings: John's compensation has been consistent with company performance over the past year.
|CEO, MD & Executive Director||no data||UK£330.44k||2.84% £2.9m|
|CFO & Director||0.17yr||no data||no data|
|Non-Executive Chairman||11.42yrs||UK£74.28k||0.044% £45.1k|
|Senior Independent Director||no data||UK£41.58k||0.013% £13.0k|
|Non-Executive Director||1.83yrs||UK£25.86k||0.0025% £2.6k|
|Non-Executive Director||1.83yrs||UK£25.86k||0.0025% £2.6k|
Experienced Board: HAT's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.1%.
H&T Group plc's company bio, employee growth, exchange listings and data sources
- Name: H&T Group plc
- Ticker: HAT
- Exchange: AIM
- Founded: 1897
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: UK£103.315m
- Shares outstanding: 39.74m
- Website: https://www.handt.co.uk
Number of Employees
- H&T Group plc
- Times House
- Throwley Way
- SM1 4AF
- United Kingdom
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|HAT||AIM (London Stock Exchange AIM Market)||Yes||Ordinary Shares||GB||GBP||May 2006|
H&T Group plc primarily provides pawn broking services in the United Kingdom. The company operates in six segments: Pawnbroking, Gold Purchasing, Retail, Pawnbroking Scrap, Personal Loans, and Other Services. It offers personal loans, as well as gold purchasing, jewelry retail, cheque cashing, unsecured lending, buyback, foreign exchange currency, and money transfer services. The company provides its products and services online and in-store. As of December 31, 2018, it operated 182 stores. The company was founded in 1897 and is headquartered in Sutton, the United Kingdom.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/28 21:31|
|End of Day Share Price||2020/03/27 00:00|
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.