Big picture - Why invest in H&T GROUP PLC
H&T GROUP PLC Snapshot
H&T Group plc is incorporated in England and is the UK's leading pawnbroker. H&T provides a range of simple and accessible financial products tailored for a customer base who have limited access to, or are excluded from, the traditional banking and finance sector.
The Directors believe that the UK alternative credit market is not adequately serviced by the mainstream lenders and, as such, that H&T provides a valuable source of credit to individuals in this part of the market. H&T has a diversifying product portfolio that includes pawnbroking, unsecured lending, jewellery retail, cheque cashing, Western Union money transfer and Foreign Exchange.
The country’s leading pawnbroking company
H&T is the country’s leading pawnbroking company with significantly more customers and a far higher loanbook than our nearest competitor.
We have over 190 outlets throughout the UK offering a range of services including pawnbroking, second-hand jewellery sales, cheque cashing, Personal Loans and foreign exchange. We have recently expanded our portfolio of products to become the first national company to offer a Prepaid MasterCard®.
The Company aims to provide flexible finance options to customers who prefer to deal in cash. We enable our customers to manage their finances in a simple and affordable way.
Please see below a list of our services:
John Nichols (Chief Executive)
After an early career in the RAF, John entered the leisure industry with the Rank Organisation where he held several senior executive positions. John joined H&T as Managing Director in 1997 and subsequently became Chief Executive. He has been instrumental in developing and implementing the business strategy and delivering growth in revenues and profitability.
Stephen Fenerty (Finance Director)
Stephen trained with KPMG’s banking and finance team where he qualified as a Chartered Accountant. Since then he has pursued a variety of management roles in the alternative credit sector. Stephen joined H&T in March 2005 as Commercial Director before taking on the role of as Finance Director in December 2013. Stephen has direct responsibility for finance, IT, unsecured lending, acquisitions, compliance and credit risk.
Peter spent the majority of his career with Lloyds Bank plc, as Chief Manager for strategic planning, mergers and acquisitions, and then as the Managing Director of Personal Banking. He subsequently served as Group Managing Director of the Alliance & Leicester plc and Chief Executive of Wesleyan Assurance Society, a mutual life insurance business. In 2002, he left to become Chairman and subsequently Executive Chairman of Moneybox plc, the leading ATM deployer operating in the UK, Germany and the Netherlands, which he led to flotation on AIM. He is presently Chief Executive of Notemachine.
Malcolm is currently a Non-Executive Director at Scottish Friendly Assurance and runs his own consultancy business primarily involved in life and general insurance. Between 1990 and 2005, he was Chief Executive of two insurers, Liverpool Victoria and Crown Financial Management. He qualified as an Actuary in 1983.
James Thornton has more than fifteen years of experience in UK financial services organisations, most recently as a Director at Hannam & Partners, from 2009- 2015, and previously as Head of Finance at BAT Industries, Group Deputy Finance Director and UK Finance Director at Old Mutual plc and Head of Foreign Exchange at IFX plc. James has also held senior positions with Lord Ashcroft KCMG associated companies – Anne Street Partners and Global Health Partner plc. James is a Fellow of the Institute of Chartered Accountants and has a MBA from Harvard Business School. He is a graduate of Magdalene College, Cambridge University where he obtained a MA (Hons) in Classics and Law.
H&T Group plc
Tel: +44 (0)800 838 973
Fax: +44 (0)2082 252 740
Email: [email protected]
Nominated Advisor and Broker
Numis Securities Limited
London Stock Exchange Building
10 Paternoster Square
PO Box 4630,
Email: [email protected]
Financial: Damian Beeley / Brian Norris
4 Sun Court
Tel: 0207 562 4444