H&T Group plc Logo

H&T Group plc

HAT.L

(2.2)
Stock Price

370,00 GBp

8.76% ROA

12.14% ROE

7.35x PER

Market Cap.

161.875.472,00 GBp

37.75% DER

4.76% Yield

9.06% NPM

H&T Group plc Stock Analysis

H&T Group plc Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

H&T Group plc Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (21%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

3 ROE

ROE in an average range (9.92%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (8.1%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.13x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (63) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

H&T Group plc Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

H&T Group plc Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

H&T Group plc Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

H&T Group plc Revenue
Year Revenue Growth
2003 23.631.000
2004 26.740.000 11.63%
2005 29.638.000 9.78%
2006 32.115.000 7.71%
2007 38.363.000 16.29%
2008 52.868.000 27.44%
2009 83.975.000 37.04%
2010 126.397.000 33.56%
2011 125.516.000 -0.7%
2012 129.696.000 3.22%
2013 99.275.000 -30.64%
2014 87.696.000 -13.2%
2015 89.244.000 1.73%
2016 94.223.000 5.28%
2017 110.333.000 14.6%
2018 143.025.000 22.86%
2019 0 0%
2019 160.213.000 100%
2020 129.115.000 -24.09%
2021 121.995.000 -5.84%
2022 173.941.000 29.86%
2023 220.775.000 21.21%
2024 483.240.000 54.31%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

H&T Group plc Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

H&T Group plc General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 0
2004 0 0%
2005 10.651.000 100%
2006 4.399.000 -142.12%
2007 3.468.000 -26.85%
2008 4.958.000 30.05%
2009 4.882.000 -1.56%
2010 5.735.000 14.87%
2011 7.100.000 19.23%
2012 10.763.000 34.03%
2013 9.432.000 -14.11%
2014 7.833.000 -20.41%
2015 7.976.000 1.79%
2016 12.325.000 35.29%
2017 12.233.000 -0.75%
2018 13.272.000 7.83%
2019 0 0%
2019 18.031.000 100%
2020 15.727.000 -14.65%
2021 18.904.000 16.81%
2022 21.828.000 13.4%
2023 24.204.000 9.82%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

H&T Group plc EBITDA
Year EBITDA Growth
2003 6.605.000
2004 7.023.000 5.95%
2005 7.306.000 3.87%
2006 7.219.000 -1.21%
2007 11.135.000 35.17%
2008 15.688.000 29.02%
2009 23.099.000 32.08%
2010 31.443.000 26.54%
2011 27.508.000 -14.3%
2012 21.305.000 -29.12%
2013 11.039.000 -93%
2014 9.535.000 -15.77%
2015 10.584.000 9.91%
2016 13.009.000 18.64%
2017 21.475.000 39.42%
2018 16.675.000 -28.79%
2019 0 0%
2019 29.768.000 100%
2020 25.526.000 -16.62%
2021 19.745.000 -29.28%
2022 29.678.000 33.47%
2023 40.366.000 26.48%
2024 131.856.000 69.39%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

H&T Group plc Gross Profit
Year Gross Profit Growth
2003 16.385.000
2004 18.399.000 10.95%
2005 20.062.000 8.29%
2006 23.328.000 14%
2007 27.664.000 15.67%
2008 35.739.000 22.59%
2009 51.167.000 30.15%
2010 66.760.000 23.36%
2011 65.434.000 -2.03%
2012 62.283.000 -5.06%
2013 49.918.000 -24.77%
2014 45.677.000 -9.28%
2015 47.462.000 3.76%
2016 54.770.000 13.34%
2017 63.766.000 14.11%
2018 88.244.000 27.74%
2019 0 0%
2019 101.361.000 100%
2020 82.799.000 -22.42%
2021 76.355.000 -8.44%
2022 101.916.000 25.08%
2023 122.150.000 16.56%
2024 260.264.000 53.07%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

H&T Group plc Net Profit
Year Net Profit Growth
2003 2.704.000
2004 1.947.000 -38.88%
2005 321.000 -506.54%
2006 1.002.000 67.96%
2007 5.079.000 80.27%
2008 7.117.000 28.64%
2009 13.344.000 46.67%
2010 17.187.000 22.36%
2011 18.134.000 5.22%
2012 12.896.000 -40.62%
2013 4.851.000 -165.84%
2014 4.255.000 -14.01%
2015 5.378.000 20.88%
2016 7.582.000 29.07%
2017 11.336.000 33.12%
2018 10.829.000 -4.68%
2019 0 0%
2019 16.690.000 100%
2020 12.562.000 -32.86%
2021 6.044.000 -107.84%
2022 14.912.000 59.47%
2023 21.083.000 29.27%
2024 30.728.000 31.39%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

H&T Group plc Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 1 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

H&T Group plc Free Cashflow
Year Free Cashflow Growth
2003 803.000
2004 -229.000 450.66%
2005 855.000 126.78%
2006 -2.896.000 129.52%
2007 250.000 1258.4%
2008 1.206.000 79.27%
2009 -5.483.000 122%
2010 18.331.000 129.91%
2011 1.070.000 -1613.18%
2012 6.891.000 84.47%
2013 12.971.000 46.87%
2014 13.256.000 2.15%
2015 10.002.000 -32.53%
2016 -603.000 1758.71%
2017 -5.261.000 88.54%
2018 3.805.000 238.27%
2019 4.228.000 10%
2019 16.912.000 75%
2020 49.178.000 65.61%
2021 -12.505.000 493.27%
2022 -27.312.000 54.21%
2023 -18.207.000 -50.01%
2024 -20.000 -90935%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

H&T Group plc Operating Cashflow
Year Operating Cashflow Growth
2003 2.682.000
2004 1.108.000 -142.06%
2005 1.765.000 37.22%
2006 -254.000 794.88%
2007 2.647.000 109.6%
2008 4.087.000 35.23%
2009 -1.426.000 386.61%
2010 22.416.000 106.36%
2011 5.574.000 -302.15%
2012 11.440.000 51.28%
2013 15.405.000 25.74%
2014 14.373.000 -7.18%
2015 11.209.000 -28.23%
2016 1.315.000 -752.4%
2017 -3.493.000 137.65%
2018 5.906.000 159.14%
2019 6.457.250 8.54%
2019 25.829.000 75%
2020 55.350.000 53.34%
2021 -3.035.000 1923.72%
2022 -13.246.000 77.09%
2023 -3.305.000 -300.79%
2024 5.538.000 159.68%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

H&T Group plc Capital Expenditure
Year Capital Expenditure Growth
2003 1.879.000
2004 1.337.000 -40.54%
2005 910.000 -46.92%
2006 2.642.000 65.56%
2007 2.397.000 -10.22%
2008 2.881.000 16.8%
2009 4.057.000 28.99%
2010 4.085.000 0.69%
2011 4.504.000 9.3%
2012 4.549.000 0.99%
2013 2.434.000 -86.89%
2014 1.117.000 -117.91%
2015 1.207.000 7.46%
2016 1.918.000 37.07%
2017 1.768.000 -8.48%
2018 2.101.000 15.85%
2019 2.229.250 5.75%
2019 8.917.000 75%
2020 6.172.000 -44.48%
2021 9.470.000 34.83%
2022 14.066.000 32.67%
2023 14.902.000 5.61%
2024 5.558.000 -168.12%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

H&T Group plc Equity
Year Equity Growth
2003 33.232.000
2004 810.000 -4002.72%
2005 1.131.000 28.38%
2006 19.606.000 94.23%
2007 30.345.000 35.39%
2008 35.748.000 15.11%
2009 47.055.000 24.03%
2010 61.681.000 23.71%
2011 77.283.000 20.19%
2012 86.765.000 10.93%
2013 88.128.000 1.55%
2014 90.863.000 3.01%
2015 94.060.000 3.4%
2016 98.847.000 4.84%
2017 107.622.000 8.15%
2018 106.994.000 -0.59%
2019 122.606.000 12.73%
2020 134.549.000 8.88%
2021 136.618.000 1.51%
2022 164.119.000 16.76%
2023 166.773.000 1.59%
2023 177.370.000 5.97%
2024 180.582.000 1.78%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

H&T Group plc Assets
Year Assets Growth
2003 41.444.000
2004 52.548.000 21.13%
2005 55.823.000 5.87%
2006 59.483.000 6.15%
2007 68.779.000 13.52%
2008 81.010.000 15.1%
2009 101.848.000 20.46%
2010 107.123.000 4.92%
2011 124.600.000 14.03%
2012 129.891.000 4.07%
2013 124.305.000 -4.49%
2014 116.417.000 -6.78%
2015 114.403.000 -1.76%
2016 125.065.000 8.53%
2017 141.936.000 11.89%
2018 141.316.000 -0.44%
2019 187.015.000 24.44%
2020 169.622.000 -10.25%
2021 169.957.000 0.2%
2022 211.368.000 19.59%
2023 230.509.000 8.3%
2023 252.105.000 8.57%
2024 275.222.000 8.4%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

H&T Group plc Liabilities
Year Liabilities Growth
2003 8.212.000
2004 51.738.000 84.13%
2005 54.692.000 5.4%
2006 39.877.000 -37.15%
2007 38.434.000 -3.75%
2008 45.262.000 15.09%
2009 54.793.000 17.39%
2010 45.442.000 -20.58%
2011 47.317.000 3.96%
2012 43.126.000 -9.72%
2013 36.177.000 -19.21%
2014 25.554.000 -41.57%
2015 20.343.000 -25.62%
2016 26.218.000 22.41%
2017 34.314.000 23.59%
2018 34.322.000 0.02%
2019 64.409.000 46.71%
2020 35.073.000 -83.64%
2021 33.339.000 -5.2%
2022 47.249.000 29.44%
2023 63.736.000 25.87%
2023 74.735.000 14.72%
2024 94.640.000 21.03%

H&T Group plc Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.53
Net Income per Share
0.5
Price to Earning Ratio
7.35x
Price To Sales Ratio
0.67x
POCF Ratio
34.27
PFCF Ratio
-16.02
Price to Book Ratio
0.88
EV to Sales
0.96
EV Over EBITDA
3.14
EV to Operating CashFlow
49.47
EV to FreeCashFlow
-22.82
Earnings Yield
0.14
FreeCashFlow Yield
-0.06
Market Cap
0,16 Bil.
Enterprise Value
0,23 Bil.
Graham Number
6.85
Graham NetNet
1.17

Income Statement Metrics

Net Income per Share
0.5
Income Quality
0.21
ROE
0.12
Return On Assets
0.08
Return On Capital Employed
0.24
Net Income per EBT
0.79
EBT Per Ebit
0.44
Ebit per Revenue
0.26
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.57
Operating Profit Margin
0.26
Pretax Profit Margin
0.11
Net Profit Margin
0.09

Dividends

Dividend Yield
0.05
Dividend Yield %
4.76
Payout Ratio
0.34
Dividend Per Share
0.18

Operating Metrics

Operating Cashflow per Share
0.11
Free CashFlow per Share
-0.23
Capex to Operating CashFlow
3.17
Capex to Revenue
0.06
Capex to Depreciation
1.32
Return on Invested Capital
0.2
Return on Tangible Assets
0.09
Days Sales Outstanding
212.95
Days Payables Outstanding
32.6
Days of Inventory on Hand
175.45
Receivables Turnover
1.71
Payables Turnover
11.2
Inventory Turnover
2.08
Capex per Share
0.34

Balance Sheet

Cash per Share
0,37
Book Value per Share
4,16
Tangible Book Value per Share
3.53
Shareholders Equity per Share
4.16
Interest Debt per Share
1.69
Debt to Equity
0.38
Debt to Assets
0.25
Net Debt to EBITDA
0.94
Current Ratio
15.96
Tangible Asset Value
0,15 Bil.
Net Current Asset Value
0,11 Bil.
Invested Capital
253850000
Working Capital
0,19 Bil.
Intangibles to Total Assets
0.1
Average Receivables
0,14 Bil.
Average Payables
0,01 Bil.
Average Inventory
45062500
Debt to Market Cap
0.42

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

H&T Group plc Dividends
Year Dividends Growth
2007 5
2008 5 20%
2009 7 28.57%
2010 7 -16.67%
2011 10 33.33%
2012 11 10%
2013 10 0%
2014 5 -150%
2015 6 33.33%
2016 8 25%
2017 10 11.11%
2018 11 10%
2019 11 9.09%
2020 10 -22.22%
2021 10 10%
2022 13 23.08%
2023 17 18.75%
2024 18 5.88%

H&T Group plc Profile

About H&T Group plc

H&T Group plc, together with its subsidiaries, primarily provides pawn broking services in the United Kingdom and internationally. The company operates through 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 through online and in-store. As of December 31, 2020, it operated 253 stores. The company was founded in 1897 and is headquartered in Sutton, the United Kingdom.

CEO
Mr. Christopher D. Gillespie
Employee
1.109
Address
Times House
Sutton, SM1 4AF

H&T Group plc Executives & BODs

H&T Group plc Executives & BODs
# Name Age
1 Mr. Christopher D. Gillespie
Chief Executive Officer & Executive Director
70
2 Ms. Diane Elizabeth Giddy
Chief Financial Officer & Executive Director
70
3 Frances Marlow
HR Director
70

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