Share Name Share Symbol Market Type Share ISIN Share Description
H&t Group Plc LSE:HAT London Ordinary Share GB00B12RQD06 ORD 5P
  Price Change % Change Share Price Shares Traded Last Trade
  0.00 0.0% 332.50 78,070 16:35:08
Bid Price Offer Price High Price Low Price Open Price
325.00 340.00 340.00 326.00 340.00
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
General Financial 122.00 7.86 15.43 21.5 133
Last Trade Time Trade Type Trade Size Trade Price Currency
16:22:30 O 7,950 333.726 GBX

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Date Time Title Posts
04/7/202222:20Harvey and Thompson Pawnbrokers1,144
20/4/202219:12*** Harvey and Thompson ***43
16/4/201216:55Trading Story21
24/5/201007:39H&T - Growth in recession and credit crisis times173
17/1/201013:15H&T with Charts & News13

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H&t (HAT) Most Recent Trades

Trade Time Trade Price Trade Size Trade Value Trade Type
2022-07-05 16:13:47333.737,95026,531.22O
2022-07-05 15:22:31333.285001,666.40O
2022-07-05 15:14:00330.005,00016,500.00O
2022-07-05 15:13:13334.00146487.64O
2022-07-05 14:30:32334.321,1583,871.43O
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H&t (HAT) Top Chat Posts

H&t Daily Update: H&t Group Plc is listed in the General Financial sector of the London Stock Exchange with ticker HAT. The last closing price for H&t was 332.50p.
H&t Group Plc has a 4 week average price of 313p and a 12 week average price of 313p.
The 1 year high share price is 378p while the 1 year low share price is currently 244p.
There are currently 39,864,077 shares in issue and the average daily traded volume is 81,910 shares. The market capitalisation of H&t Group Plc is £132,548,056.03.
ymaheru: Good update. 1- Demand for pledge lending has continued to gather momentum in the first half of the year. The pawnbroking pledge book at 30 June 2022 was £84.2m (30 June 2021: £48.3m) 2- Gold purchasing has been buoyant, supported by a rising gold price which has driven both volumes and improved margins. 3- Foreign currency revenues have more than doubled in H1 2022 I can see divs being raised here, and hopefully share price gains (at least after Aug 9th results).
taylor20: It is a tremendously good idea in principal and providing it through credit unions will definitely improve repayment rates and quality of screening. (94% repayment rates met to date). hTTps:// However not sure it will scale well and once becomes more widely known about and is being backed by 'the government' rather than 'the community' repayment rates will probably fall off. So still a market for HAT to work within just a smaller pool - not sure if the scheme will be taking the top or the bottom end of their clients, or if that is good or bad for HAT's margins. I presume in the long term it is better for HAT if pledges are redeemed? But in the short term it makes more if the pledges are not redeemed? HAT loans in context: Prime Loan 10% Credit Card 30% Pawn Loan 155% Sub prime loan 500+% pay day loan 1250% Bottom line is the scheme is a big unknown in terms of impact to HAT...
lord loads of lolly: HAT's share price is still well above March 22 & July 21 levels, so all is far from lost. I suspect its recent drop is due to No Interest Loan Scheme news. The scheme trial is small, but if rolled out after 2+ years, it could eventually reach 500,000 people, which is significant. However, that's some way off - indeed might never happen if the cost is deemed too high. In the meantime, HAT's prospects can only be good, given the current economic downturn. I plan to top up if the price falls below 300p. A yield of around 4% with decent growth/earnings visibility is about as good as it gets in the current market!
ymaheru: I don’t see this scheme as any big event. It’s too small a trial to take much business from HAT, and besides, it’s only happening because of the favourable market for HAT. I also don’t see gold prices plunging, or anything else negative. I see interest rates raised slightly, taming inflation less than larger rises. This cuts consumer spending power, helping HAT. Yet, share price plummets.
lord loads of lolly: Here's more info on the No Interest Loan Scheme: hTTps:// A 2 year pilot's being rolled out in up to 6 deprived areas starting Autumn 22. So in any case it wouldn't hit H&T significantly during that extended trial period. But initial share price reaction suggests it might impact longer term, as a full-scale roll-out (if implemented) could eventually reach 500,000 people according to a feasibility study conducted before the pandemic.
lord loads of lolly: Afternoon ymaheru! I agree. Barring a global market meltdown, I think HAT is in for some decent share price growth in 2022. Happily for shareholders - but sadly for many of its customers - HAT's services are going to be needed more than ever this year.
tole: Questor: Watchdog's review casts a shadow but this pawnbroker has just raised its divi by 41pcQuestor share tip: H&T's short-term loans are under regulatory scrutiny but the core business appears to be in rude healthOur initial analysis two years ago of H&T, Britain's leading pawnbroker, has yet to yield any paper profits, largely thanks to shadows cast by an ongoing regulatory review by the City watchdog of the firm's unsecured high-cost short-term loans business. However, the core pledge book and retail operations appear to be performing well, if last week's full-year results are any guide, the balance sheet is sound and the shares look good value on a yield and book value basis.Concerns over the regulator's inquiry could yet hamper the shares' progress. The high-cost short-term loan book generated £4.3m of revenue in 2021, down from £8.1m in 2020, and that decline was a key reason for 2021's fall in stated pre-tax profits to £7.9m from £15.6m.There could be further hits to the profit and loss account. But the high-cost short-term loan book has shrunk to £3.1m and H&T has already booked a £2.1m provision to prepare itself for the regulator's findings and likely demands for compensation for customers. If that proves sufficient, the uncertainty could lift and investors will be able to assess the merits of the core pawnbroking and retail businesses.H&T key factsMarket value: £122mTurnover (Dec 2022 estimate): £151mPre-tax profits (Dec 2022 est): £15.8mYield (Dec 2022 est): 4.5pcMost recent year's dividend: 12pNet debt (Dec 2021): £1mReturn on capital (Dec 2021): 6.7pcCash conversion ratio (Dec 2021): n/ap/e ratio (Dec 2022 est): 9.8At a time of sticky inflation and pressure on households' cash flows, these operations could see increased demand, even after 2021's 39pc increase in the pledge book to £67m and a 22pc gain in retail sales, via both the physical estate and the website.Management's decision to raise the full-year dividend to 12p a share from 8.5p speaks of confidence in both a regulatory resolution and underlying trading. A forecast dividend yield of 4.5pc and a price-to-earnings ratio of less than 10, based on consensus' analysts forecasts, both suggest that the shares are decent value.Better still, net shareholders' funds of £137m compare with a market value of £122m, so the shares trade at a discount to net asset, or book, value. Even if we strip out £20m of goodwill and intangible assets, the shares trade roughly in line with tangible book value and that will hopefully provide protection for the share price.Patience may yet pay off at H&T. Hold.Questor says: HoldTicker: HATShare price at close: 313p
lord loads of lolly: Still digesting today's preliminary full year results, but at first glance they look OK to me. The proposed 12p full year dividend should provide a level of confidence & support. Ditto comments on the FCA review, suggesting it's FINALLY nearing an end and that a £2.1M provision should suffice. NAV of 348.9p per share at 31 12 21 versus a closing share price on the same date of 295p. So trading at a discount of over 15% (though that may be the norm for a business like this?). Results greeted positively (for now at least), with a 4.5% share price rise as I write.
22:28 With all the "extortionate rate payday lenders" now out of the way, HAT's market is huge, and likely to grow as interest rates go up further. The FCA is likely working with HAT to try to make a legitimate alternative to Loan Sharks, but trying to allow for the default potential, and that's what's taking the time. In such a case, I can see the FCA handing HAT a nominal fine, knowing that if the take HAT completely out of that market, they open the door for organised crime to step in. They'll also issue a strong "don't do it again, as we're watching, and will have to be seen to be watching going forward"
riverman77: Very ill informed - he was never CEO of Provident, he was appointed the MD of the consumer division. Peter Crook was CEO at Provident at the time of the fiasco and the main one responsible for mess there IMV. The big fall in the PFG share price between the dates you show was driven by a large rights issue in 2018 and of course the Covid sell off last year - you can hardly pin the blane on Gillespie for that, and to repeat he was not even running the company! Also check your figures for the PFG share price between 2007 and 2013 - the share price more than doubled during that period and continued to rise strongly for a couple of years after he left (he had clearly left the business in a good position before things fell apart under someone else's watch) . If you include dividends, the returns over this period were phenomenal.
H&t share price data is direct from the London Stock Exchange
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