H&T Group plc (HAT) AI Stock Analysis

• Market Cap: £173.31M
• Dividend Yield: 4.58%
• Average Volume (3M): 117.60K
• Price to Earnings (P/E): 7.7
• Beta (1Y): 0.27
• Revenue Growth: 20.20%
• EPS Growth: 6.12%
• Country: UK
• Employees: 1,149
• Sector: Financial
• Sector Strength: 82
• Industry: Financial - Credit Services
• EPS (TTM): 0.51
• Shares Outstanding: 43,987,934
• 10 Day Avg. Volume: 123,338
• 30 Day Avg. Volume: 117,598
• PEG Ratio: 1.26
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.72
• Price to Cash Flow (P/CF): 15.80
• P/FCF Ratio: 37.30
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £559.00
• Price Target Upside: 41.88% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

H&T Group plc scores well due to strong financial performance and attractive valuation, supported by recent corporate achievements. The company shows solid revenue growth and profitability, bolstered by strategic expansions. While technical indicators are mixed, the valuation remains appealing with a low P/E ratio and high dividend yield. The stock's resilience is enhanced by recent corporate events indicating future growth potential.

H&T Group plc Business Overview & Revenue Model

Company Description

H&T Group plc (HAT) is a leading UK-based pawnbroking and financial services company. Established in 1897, the company operates through a network of retail outlets across the United Kingdom, offering a range of products and services including pawnbroking, personal loans, retail of pre-owned jewelry and watches, gold purchasing, and foreign currency exchange. H&T Group plc serves a diverse customer base by providing accessible financial solutions and quality retail offerings.

How the Company Makes Money

H&T Group plc generates revenue through multiple streams, primarily from its pawnbroking services, where customers pledge personal assets as collateral for secured loans. The interest earned on these loans constitutes a significant portion of the company's income. Additionally, H&T Group plc earns revenue from the retail sale of pre-owned jewelry and watches, which are often sourced from unredeemed pawned items. The company also offers personal loans, generating income through interest and fees associated with these financial products. Furthermore, H&T Group plc profits from gold purchasing, where they buy precious metals from customers and resell them at a margin. Another revenue stream comes from currency exchange services, where the company earns from the spread between buying and selling foreign currencies. Strategic partnerships with financial institutions and a strong retail presence contribute to the company's earnings by expanding its customer reach and service offerings.

H&T Group plc Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
239.90M	220.78M	173.94M	122.00M	129.12M	160.21M
	Gross Profit
137.10M	122.15M	101.92M	76.36M	82.80M	101.36M
	EBIT
62.26M	29.51M	20.55M	9.10M	16.88M	22.49M
	EBITDA
59.01M	40.34M	29.86M	17.84M	25.64M	29.95M
	Net Income Common Stockholders
21.73M	21.08M	14.91M	6.04M	12.56M	16.69M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
11.41M	11.39M	12.23M	17.64M	34.45M	12.00M
	Total Assets
141.32M	252.10M	211.37M	169.96M	169.62M	187.01M
	Total Debt
24.89M	64.97M	35.07M	18.98M	20.64M	50.27M
	Net Debt
13.47M	53.58M	22.84M	1.34M	-13.81M	38.27M
	Total Liabilities
34.32M	74.73M	47.25M	33.34M	35.07M	64.41M
	Stockholders Equity
106.99M	177.37M	164.12M	136.62M	134.55M	122.61M
Cash Flow		Free Cash Flow
-10.10M	-18.21M	-27.31M	-12.51M	49.18M	16.91M
	Operating Cash Flow
4.66M	-3.31M	-13.25M	-3.04M	55.35M	25.83M
	Investing Cash Flow
-27.69M	-18.06M	-18.14M	-9.46M	-6.22M	-27.66M
	Financing Cash Flow
26.02M	20.52M	25.98M	-4.32M	-26.68M	2.42M

H&T Group plc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 394.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:HAT, the sentiment is Positive. The current price of 394 is above the 20-day moving average (MA) of 382.60, above the 50-day MA of 369.92, and above the 200-day MA of 366.74, indicating a bullish trend. The MACD of 3.19 indicates Negative momentum. The RSI at 58.48 is Neutral, neither overbought nor oversold. The STOCH value of 68.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:HAT.

H&T Group plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RFX	79 Outperform	£84.92M	10.16	16.30%	4.31%	14.08%	6.58%
HAT	77 Outperform	£173.31M	7.70	12.03%	4.58%	20.20%	6.12%
SUS	76 Outperform	£171.93M	9.14	7.59%	7.77%	0.15%	-29.58%
Sector *	63 Neutral	$12.06B	9.31	8.10%	79.51%	12.80%	-4.67%
AMGO	40 Underperform	£1.85M	―	-200.00%	―	―	―

H&T Group plc Corporate Events

H&T Group plc Releases Annual Report and Announces AGM Details

H&T Group plc has announced the posting of its Annual Report and Accounts for the year ending 31 December 2024, along with the Notice of Annual General Meeting (AGM) to shareholders. The AGM is scheduled for 15 May 2025 and will be held both in-person and digitally. Shareholders are encouraged to vote by proxy as virtual attendance does not constitute official attendance or voting rights. This announcement underscores H&T’s commitment to transparency and shareholder engagement, providing insights into its operational and financial performance, which could influence investor confidence and market positioning.

H&T Group PLC Sees Increase in Voting Rights by Artemis Investment

H&T Group PLC has announced a change in the voting rights held by Artemis Investment Management LLP, which now holds a 6.00309% stake in the company, up from a previous 5.014863%. This change in voting rights indicates a significant shift in shareholder influence, potentially impacting company decisions and stakeholder interests.

H&T Group Reports Record Profits and Growth in 2024

H&T Group plc reported a record year for 2024, with a 10% increase in profit before tax, reaching £29.1 million. The company saw significant growth in its pledge book and retail sales, reflecting strong demand for its core pawnbroking services and jewellery offerings. The expansion of its store estate to 285 locations and the refurbishment of 48 stores have added substantial value to the business, supporting future earnings potential. The company’s strategic focus on growing its market share and supporting business communities has been bolstered by the acquisition of Maxcroft, leading to an increase in larger loans. H&T’s commitment to customer service and ongoing investment in its operations positions it well for continued growth amid favorable macroeconomic conditions.

H&T Group to Host Online Investor Presentation on March 18

H&T Group plc has announced an upcoming online results presentation scheduled for March 18, 2025, via the Engage Investor platform. The event is open to current shareholders and potential investors, who are encouraged to pre-submit questions or participate live. This presentation reflects H&T’s commitment to engaging with its investor community and providing transparency about its operations and financial performance.