H&T Group CEO, Chris Gillespie and CFO, Diane Giddy present full year results for the for the twelve months ended 31 December 2023, followed by Q&A.

00:00 Opener

Chris Gillespie, CEO
00:16 Introduction
01:14 Overview
04:41 Investment case
05:16 FY23 Financial highlights
06:42 FY23 Strategic progress
07:40 Store metrics

Diane Giddy, CFO
08:12 Income statement
09:30 Balance sheet
11:31 Cashflow statement
12:17 Segmental performance

Chris Gillespie, CEO
14:49 Business focus & Outlook
20:13 Acquisition of Maxcroft Securities Limited

22:53 Q&A

H&T Group plc is a United Kingdombased nontrading holding company. The principal activities of the Company and its subsidiaries include pawnbroking, gold purchasing, retail of new and preowned jewelry and watches, cheque cashing, unsecured lending, and other related services operated through Harvey & Thompson Limited. Its segments include pawnbroking, gold purchasing, retail, pawnbroking scrap, personal loans, foreign exchange and other services. The pawnbroking segment is engaged in providing secured loans against collateral (the pledge). Its gold purchasing segment is engaged in buying jewelry directly from customers through its stores. The retail segment is engaged in retail sales of primarily gold, jewelry and watches, and the retail sales are forfeited items from the pawnbroking pledge book or refurbished items from its gold purchasing operations. Its pawnbroking scrap segment consists of gold scrap sales of its inventory assets other than those reported within gold purchasing.