This company listing is no longer active

This company may still be operating, however this listing is no longer active.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 (HATL) Stock Overview

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

HATL fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	1/6
Past Performance	1/6
Financial Health	4/6
Dividends	3/6

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

HATL Community Fair Values

Create Narrative

See what others think this stock is worth. Follow their fair value or set your own to get alerts.

NEW492,272 members

Join community and earn perks

Gain real feedbackFrom our editorial team, personally. Not silence.

Grow your followingReal investors. The kind who actually invest, not scroll past.

Unlock free accessFree premium subscription for consistent and quality authors.

Learn more Create Narrative

492,272 investors already sharing narratives

View all narratives

H&T Group plc Competitors

Price History & Performance

Summary of share price highs, lows and changes for H&T Group
Historical stock prices
Current Share Price	UK£6.49
52 Week High	UK£6.50
52 Week Low	UK£6.33
Beta	0.65
1 Month Change	1.72%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0.46%

Recent updates

Shareholder Returns

	HATL	GB Consumer Finance	GB Market
7D	-0.2%	0.3%	-1.7%
1Y	n/a	31.2%	16.3%

Return vs Industry: Insufficient data to determine how HATL performed against the UK Consumer Finance industry.

Return vs Market: Insufficient data to determine how HATL performed against the UK Market.

Price Volatility

Is HATL's price volatile compared to industry and market?
HATL volatility
HATL Average Weekly Movement	0.7%
Consumer Finance Industry Average Movement	5.6%
Market Average Movement	5.2%
10% most volatile stocks in GB Market	10.6%
10% least volatile stocks in GB Market	2.8%

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

Volatility Over Time: Insufficient data to determine HATL's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1897	1,414	Chris Gillespie	www.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?
HATL fundamental statistics
Market cap	UK£286.31m
Earnings (TTM)	UK£22.23m
Revenue (TTM)	UK£265.37m

12.9x

P/E Ratio

1.1x

P/S Ratio

Is HATL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HATL income statement (TTM)
Revenue	UK£265.37m
Cost of Revenue	UK£109.98m
Gross Profit	UK£155.39m
Other Expenses	UK£133.16m
Earnings	UK£22.23m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.50
Gross Margin	58.56%
Net Profit Margin	8.38%
Debt/Equity Ratio	36.0%

How did HATL 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

Data	Last Updated (UTC time)
Company Analysis	2025/08/15 17:30
End of Day Share Price	2025/08/13 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 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 Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 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 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 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.

Analyst	Institution
null null	Canaccord Genuity
John Stevenson	Peel Hunt LLP
Gary Greenwood	Shore Capital Group Ltd

H&T Group plcBATS-CHIXE:HATL Stock Report