H & T Group PLC
LSE:HAT

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H & T Group PLC
LSE:HAT
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Price: 650 GBX Market Closed
Market Cap: £289.1m

EV/EBIT

5.2
Current
No historical data
Comparison unavailable

Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.

EV/EBIT
5.2
=
Enterprise Value
GBX354.8m
/
EBIT
£68.8m

Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.

EV/EBIT
5.2
=
Enterprise Value
GBX354.8m
/
EBIT
£68.8m

Valuation Scenarios

H & T Group PLC is trading above its 3-year average

If EV/EBIT returns to its 3-Year Average (5.2), the stock would be worth GBX650 (0% downside from current price).

Statistics
Positive Scenarios
0/4
Maximum Downside
-99%
Maximum Upside
No Upside Scenarios
Average Downside
50%
Scenario EV/EBIT Value Implied Price Upside/Downside
Current Multiple 5.2 GBX650
0%
3-Year Average 5.2 GBX650
0%
5-Year Average 5.2 GBX650
0%
Industry Average 0 GBX3.57
-99%
Country Average 0 GBX3.7
-99%

Forward EV/EBIT
Today’s price vs future ebit

Today's Enterprise Value EBIT Forward EV/EBIT
GBX354.8m
/
Jan 2025
£68.8m
=
5.2
Current
GBX354.8m
/
Dec 2025
£38.8m
=
9.1
Forward
GBX354.8m
/
Dec 2026
£40.3m
=
8.8
Forward
GBX354.8m
/
Dec 2027
£42.2m
=
8.4
Forward

Forward EV/EBIT shows whether today’s EV/EBIT still looks high or low once future ebit are taken into account.

Peer Comparison

All Multiples
EV/EBIT
P/E
All Countries
Close
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
UK
H & T Group PLC
LSE:HAT
Average EV/EBIT: 20
5.2
-15%
N/A
US
American Express Co
NYSE:AXP
27.6
12%
2.3
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
26
20%
1.3
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
26.9
17%
1.6
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
21.7
28%
0.8
IN
Tata Capital Ltd
NSE:TATACAP
12.7
-14%
N/A

Market Distribution

Higher than 92% of companies in United Kingdom
Percentile
92nd
Based on 1 864 companies
92nd percentile
5.2
Low
0 — 0
Typical Range
0 — 0.1
High
0.1 —
Distribution Statistics
United Kingdom
Min 0
30th Percentile 0
Median 0
70th Percentile 0.1
Max 1 015

H & T Group PLC
Glance View

Market Cap
289.1m GBX
Industry
Financial Services

H&T Group Plc engages in the business of pawn broking, gold purchasing, retail of jewellery, cheque cashing, unsecured lending and other related services. The company is headquartered in Sutton, Surrey. The company went IPO on 2006-05-08. The principal activities of the Company and its subsidiaries include pawnbroking, gold purchasing, retail of jewelry, cheque cashing, unsecured lending and other related services operated through Harvey & Thompson Limited. The firm operates through six segments: pawnbroking, gold purchasing, retail, pawnbroking scrap, personal loans and other services. Its Pawnbroking 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. Its Retail segment is engaged in retail sales of gold and jewelry, 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.

HAT Intrinsic Value
519.59 GBX
Overvaluation 20%
Intrinsic Value
Price GBX650
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