Share Name Share Symbol Market Type Share ISIN Share Description
H&t Group LSE:HAT London Ordinary Share GB00B12RQD06 ORD 5P
  Price Change % Change Share Price Bid Price Offer Price High Price Low Price Open Price Shares Traded Last Trade
  +1.00p +0.30% 331.50p 328.00p 335.00p - - - 20,768 16:35:28
Industry Sector Turnover (m) Profit (m) EPS - Basic PE Ratio Market Cap (m)
General Financial 94.2 9.7 20.9 15.8 124.11

H&T Group Share Discussion Threads

Showing 901 to 924 of 925 messages
Chat Pages: 37  36  35  34  33  32  31  30  29  28  27  26  Older
DateSubjectAuthorDiscuss
22/2/2018
16:25
This can be a volatile little monster at times! But for those brave enough the dips look like buying ops imo. Gold holding around 1330 so that should help business plus the loans part of the group also looks in good shape. Should find out more in the upcoming results next month.
cfro
14/2/2018
19:01
Yes I quite fancy a gold long myself at this juncture...just awaiting a better entry point, but it could significantly breakout north in the coming few days (IMO from a technical perspective). I should explain that I tend to "trade" forex, commodities and indexes since it a)provides me with nice compliments and hedges to my equities b)keeps me interested in the newsflow in aspects which can effect my equities c)Stops me over-trading my share-holdings (a bad habit). Equity holdings for me tend to be little more of a Longer term holding. HAT being a fine example. Fundamentaly Gold has not significantly spiked during this recent correction (a sign that things are not so bad at all). Copper has technically re-traced but still looks bullish to me (a sure sign of global recovery - see "DR. Copper" for details). What Gold seems to be doing is becoming attractive to more protfolios as a hedge against a crash and I think the weight of that sentiment will be enough to push it higher. All IMO, DYOR, probably a load of nonsense of course :-) As far as wider economics and the effects upon HAT are concerned, interest rate and bond yields rising cannot be a bad thing either especially considering the growth in the company's loan product.
thorpematt
14/2/2018
18:10
The gold price has formed an extended bowl that is threatening a 5-year high in US $s. In sterling, we are still a way's off a 5-year high but the price is in an 18-month triangulation that threatens a bigger move either way than of late. The recent uptrend in $s suggests the sterling price is more likely to break upwards to test a new high. Gold probably does not follow chart patterns as often as some other investments but it does tend to look more positive than negative. Http://www.goldpreciousmetals.com/charts_historic_usd.asp
aleman
14/2/2018
17:57
Yes, we all wish the FD well and hope for a speedy recovery. AS an aside i note the Gold price strengthening in recent days.
cfro
14/2/2018
17:41
Statement regarding Finance Director, Steve Fenerty The Board of H&T Plc announces that its Finance Director, Steve Fenerty, has recently been diagnosed with leukaemia. He is receiving first class treatment and remains actively involved with the running of the business. Peter McNamara, Chairman said, "We have a clear strategy headed by CEO John Nichols. Steve Fenerty is well supported by Tatiana Hagan, part of a first class finance team he has developed over recent years. Steve Fenerty will have further assistance given by an interim appointment from an experienced Financial Officer from within the sector. We all wish Steve well in his treatment and recovery."
martinthebrave
24/1/2018
14:39
Bit if a shake out here today imo. I took advantage and added to my tiny initial holding. Onwards and upwards ..
fruitninja84
22/1/2018
13:53
Demand for unsecured credit increases (while banks have been reducing supply). Https://www.markiteconomics.com/Survey/PressRelease.mvc/2392abe1d7004f5ba3f41eab29cb1a11?s=1
aleman
19/1/2018
20:58
Https://uk.webfg.com/search/news-companies.html Year Ending Revenue (£m) Pre-tax (£m) EPS P/E PEG EPS Growth Div Yield 2017-12-31 100.87 12.76 28.55p 12.4 0.3 36% 10.50p 3.0% 2018-12-31 107.20 14.74 32.24p 11.0 0.9 13% 11.50p 3.2% 2019-12-31 112.20 16.50 35.70p 9.9 0.9 11% 13.00p 3.7%
aleman
19/1/2018
11:42
All the lemmings giving their stock away cheap today. Blind leading the blind. This is going significantly higher - abit of patience required. Buying any weakness.
sphere25
16/1/2018
11:30
Good update yesterday in the IC - couple of bits from the article The same is true of pawnbroker H&T (HAT:360p), which has issued two earnings upgrades in the past couple of months, making it four in the past year. Trading on 11.6 times N+1 Singer’s 2018 EPS estimate of 31p, and offering a 3.2 per cent prospective dividend yield based on a 2018 payout of 11.5p a share, I have upgraded my target price to 400p. Buy.
2breakout
12/1/2018
15:44
Agree cfro, RFT hitting new highs today I wonder if sentiment has changed in this sector? Felt that I needed to hold a decent amount of HAT also, so have also increased my holding today.
interceptor2
12/1/2018
13:48
Added to my holding today. Gold is up and going well which will translate into even more higher profits.
cfro
11/1/2018
10:35
It is sad but true that homelessness rates are soaring. Therefore the number of those who are not homeless but who find themselves in financial difficulties must also be soaring. Http://www.independent.co.uk/news/uk/home-news/homelessness-rough-sleeping-rise-crisis-homeless-three-quarters-decade-a7884261.html
spob
11/1/2018
10:30
I guess changes to government policy (rightly or wrongly) is pushing more and more people into financial difficulties. Changes such as the new universal credit.
spob
11/1/2018
09:45
B of E reports credit conditions continue to deteriorate - mainly unsecured. Unsecured credit supply decreased again as defaults rose again. I'll bet subprime borrowers are beating a path to HAT's door. I just hope they are careful with the vetting. Usually, pawnbrokers adjust quickly since they do lots of short term loans and pick up on changes in trend more quickly. They will raise rates within days or weeks of seeing higher defaults. It's longer term lending that is slower to adjust and tends to create bigger losses. Hopefully, HAT's experience of previous recessions will stand them in good stead and it is newer lenders, expanding into their first recession that will be taking the brunt of the defaults. Numerous banks have been cutting back on subprime lending. Https://www.bankofengland.co.uk/-/media/boe/files/credit-conditions-survey/2017/2017-q4.pdf?la=en&hash=C98CFDBD974A203985C82D2384D2ECF4D73F53D6 While unsecured consumer defaults have been rising for two years, the rise in SMEs defaulting is a change of trend.
aleman
11/1/2018
08:28
slaccs, yes 2108 is a long way off ! cfro, yes price would tend to resist that and then move north. Aleman, thanks for those, my 32p used for calculation puposes is slightly exceeded in that case. Can't see why in this market with this outlook you would want to apply modest forward PERs to this stock. High street presence it may have but it's no MOSB, deserves to be viewed as a dynamic growth company. As far as the divi goes, net cash on balance sheet can either be used to expand or send back, in many respects I'd prefer the former sinc eit tends to compound!
thorpematt
10/1/2018
17:48
Numis have upgraded - higher earnings but dividend same. One does wonder if they will divert cash to expanding the loan book rather than push the dividend. They can increase the dividend later if and when the loan book demand eases. 2017 2018 Broker Date Rec Pre-tax (£) EPS (p) DPS (p) Pre-tax (£) EPS (p) DPS (p) Consensus 13.10 28.71 10.45 14.73 32.24 11.45 FinnCap 06/11/17 BUY 12.50 26.90 11.00 15.00 32.30 12.00 Numis Securities Ltd 08/01/18 ADD 13.60 30.20 10.00 14.50 32.20 11.00
aleman
10/1/2018
15:55
Thorpematt - re 612. I hope there is an upgrade before 2108!!
slaccs
10/1/2018
11:44
Thanks for the charts Thorpematt. Just the small resistance at 360p then.
cfro
09/1/2018
19:57
So I thought I'd look at the technicals here...and then I realised I had done so back in August too. What's intersting is that both my chart comments and fundamental comments from August both proved to be accurate I think. (You will see that post if you trawl back but to save you the bother I have copied it here - below). Beneath that, I have posted the recent chart which rather indicates a continuation of trend IMO. Again my perception is that there is no reason to be anything but confident in such continuations for the forseeable future. I am always mindful of Mr Graham's (Ben that is) teachings who always reminded us that past performance should not be considered to necessarily match future, but in respect of this particular business I am as sure as can be that it is likely to at least deliver on expectations and therefore I believe the share price (and therefore the chart) will probably reflect this. ----------------------------- from August: ............as i was saying: "Nicely through that previous ceiling on the chart - seems to have taken forever to get there. Could well fly a little now..." I have drawn a chart. As we can see (now we're through the red line) there is not much resistance north until 360p. (if you ignore that minor obstacle of 317p...but who in their right minds would be selling at that particular juncture! As discussed by others HAT has began to complete a tidy transition from its traditional business model to one more aligned with the needs of its modern customer. To this end it is in prime position to benefit with increased returns. The chart neatly tells this story as we see the fall in share price driven by the uncertainty akin to making such investments and changes. We saw a slow recovery as the company continued to trade succesfully and now we begin to see a more significant re-rating as the market turns from slighty uncertain to positive with regard to HATs prospects. ------------------------------------------------------------------- NOW:- In brief, my analysis here is pretty simple, that red line represent another fairly significant poin of resistance, once breached the next level of resistance would be about £4.17
thorpematt
08/1/2018
19:16
Definitely a tailwind for business in this sector at present. Can see the share price going quite a bit higher and happy to hold.
topvest
08/1/2018
14:10
Yes good summary from Graham, I think forward PER is a little less than 11. I also think an upgrade in 2108 estimates is likely. The yield here is still above 3.5% remember and given the re-positioning and EPS growth, this indicates the excellent cash production possibilities here. It's hard to believe that a valuation of less than £3.85 is at all warranted. It's equally possible to argue that £4.85 would be more realistic. In any event a bit an obvious mis-price presently and surely overdue a re-rating?
thorpematt
08/1/2018
11:21
Graham Neary report from Stockopedia. He seems happy enough! H & T (LON:HAT) •Share price: 338p (+3.5%) •No. of shares: 37.4 million •Market cap: £126 million Trading Update Another positive update from this pawnbroking group which I have held in my portfolio since 2013. Profit before tax for the full year will be ahead of current market expectations. The Group has delivered another good performance in its lending operations. The pledge book increased 11.6% to £46.1m (31 December 2016: £41.3m) as a result of the higher gold price, the concession format and an increase in loans on quality watches. The Personal Loans book has increased by 94.7% to £18.3m (31 December 2016: £9.4m) as a result of the expansion in our longer term, lower interest rate loan product. Like its smaller rival Ramsdens Holdings (LON:RFX), H&T realised that there major opportunities in products related to pawnbroking. As you can see, its personal loans offering has taken off very well. I'm hoping to see it keep growing in size and maybe even start to rival the pawnbroking pledge book in the years to come. Jewellery retailing is reportedly also going well, including through the development of click-and-collect online sales. Finally, the outlook statement is confident. CEO comment: "Demand for our products remains strong and we look forward to the future with confidence." The updated EPS forecast now is likely to be pushing 30p, based on increasing another 7-8% from here. Checking some gold/GBP charts, the average price of gold in 2017 was indeed materially stronger compared to 2016. H&T has a lot more going for it, though, than just the price of gold. The personal loan product (see here) is very competitive for that segment of the market which has been shut out by the banks. Although daily bank overdraft fees can also have a huge implied APR, something which is easily overlooked! Increased lending on quality watches is also worth a mention. When a customer presents an item to pawn, H&T has a facility which lets it send high-definition images of the item from the stores to central office, where jewellery experts determine its value. Expertise in watches is an important part of the company's overall offering. Funnily enough, I agree that Quality is not especially strong for H&T. It's essentially a financial firm, and it's never going to compound in value to generate exponentially larger returns, like some rare stocks can do. But it is the undisputed leader in its sector, its management is highly competent as demonstrated by how they have navigated through both benign and difficult macro conditions, and it has discovered some exciting growth opportunities, particularly in personal lending. On top of all that, thanks to the improved performance, the stock remains quite cheap on conventional valuation metrics, trading at a PE ratio of just 11x. What else can I say, except that I'm a happy holder.
martinthebrave
08/1/2018
11:15
I have also been a buyer this morning with my first initial purchase. I am keen on RFX which is my largest pf holding currently and also keen on this sector in general. By my reckoning the PE is around ten which looks too low imo.
cfro
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