Agenda. Group highlights. Strategy update. Financial review. Outlook Full Year Results
|
|
- Maximillian West
- 6 years ago
- Views:
Transcription
1 FY 2017 Results
2 Agenda Group highlights Strategy update Financial review Outlook 2
3 Group highlights Profit before tax up 45.4% to 14.1m (FY 2016: 9.7m) Diluted EPS up 48.2% to 30.94p (FY 2016: 20.88p) Gross pledge book increased by 11.6% to 46.1m (31 December 2016: 41.3m) Personal Loan book increased 94.7% to 18.3m (31 December 2016: 9.4m) Proposed full year dividend increased 11.7% to 10.5p (2016: 9.4p) 3
4 Strategy update Drive the core business Growth in all key revenue segments Gross profit increased by 6.6m (11.6%) to 63.7m (FY 2016: 57.1m) Pledge book +11.6% 46.1m (v 41.3m) Personal loans +94.7% 18.3m (v 9.4m) Retail sales +16.0% 35.5m (v 30.5m) 4
5 Strategy update Grow non-pawnbroking credit Significant growth in the Personal Loans book Lower rate products now 50% of the book Development of new customer acquisition channels including online, online-to-store and broker-to-store Personal loan products NEW acquisition channels 4% 46% 50% Standard rate Medium rate Best rate Online to store 2,100 loans Brokers to store 7,000 New customers attended stores Standard rate defined as loans >100% APR HCSTC loans intended as an entry point Medium rate defined as loans <100% APR generally provided to existing customers with good history Best rate defined as loans <50% APR intended as the final step as a customer rebuilds their credit rating 5
6 Strategy update Develop the online proposition Over 2000 high-end watches now available online or through click and collect Over 900k of sales originated online Development of online to store customer journey Online loan book grew from 0.7m to 1.4m since 31 December 2016 Online Retail 900,000+ online sales 2017 Old vs. New NEW PL Application journey Old vs. New NEW Retail website design 6
7 Financial Review Richard Withers, Interim Finance Director 7
8 Consolidated income statement 'm FY 17 FY 16 % Change Revenue % Cost of sales (46.6) (39.5) Gross profit % Direct and Administrative Expenses (46.5) (44.0) 5.7% EBITDA % Depreciation and Amortisation (2.6) (2.9) -10% Operating profit % Finance costs (0.5) (0.5) 0% Profit before taxation % Tax charge on profit (2.8) (2.1) Profit for the period and total comprehensive income % Earnings per share - basic (pence) % Full year dividend per share (pence)
9 Segmental analysis Business mix - Gross Profit Gross Profits ( m) Other Services, 9.9% Personal Loans, 9.6% Gold purchasing, 5.7% Pawn service charge, 49.9% - Pawn service charge Retail Pawnbroking scrap Gold purchasing Personal Loans Other Services Pawnbroking scrap, 3.2% FY 16 FY 17 Retail, 21.6% Increases in all key segments Strong operational performance leading to improvements in: Pawnbroking, Retail, Personal Loans Higher gold price since July 2016 assists pawnbroking scrap gross profits Note: Personal Loans gross profits is revenue less impairment 9
10 Pawnbroking: Pledge book and PSC Pawn Service Charge ( 'm) Gross Pledge Book Pledge Book ( 'm) H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 H H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 H2 17 The gross pledge book has increased 11.6% to 46.1m (31 December 2016: 41.3m) principally as a result of: The higher gold price supports increase to the lending rate per gram The success of the new concession format introducing customers to local stores Improvements in watch lending through the Expert Eye system and specialist staff PSC growth of 4.5% to 29.7m (FY 2016: 28.4m) The risk-adjusted margin (RAM) was 68.3% (2016: 72.5%) RAM reduced as a result of the changing business mix to higher value, lower interest rate loans 10
11 Pawnbroking Scrap Pawnbroking Scrap Gross Profits ( 'm) Average Gold Price ( / troy oz) % 1, H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 H % 50.0% 40.0% 30.0% 20.0% 10.0% 0.0% 1, PB Scrap Gross Profit Margin % -10.0% - H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 H2 17 Gross profit depends on historic lending rate per gram and current gold price The average gold price in FY 2017 was 5.5% up at 976 / troy oz (FY 2016: 925 / troy oz) Lending rate has increased since 2016, the loan to value ratio in the book remains at approximately 70% based on the FY 2017 average gold price We consider the current lending policy to be appropriate in the current competitive market 11
12 Personal Loans Personal Loans revenue less impairment ( 'm) H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 H Change '000 '000 % Year-end net loan book 18,256 9, % Average monthly net loan book 12,795 6, % Revenue 10,012 5, % Impairment -4,271-2, % Revenue less impairment 5,741 3, % Interest yield 78.3% 92.1% Impairment % of Revenue 42.7% 40.2% Impairment % of Average monthly net loan book 33.3% 37.0% Risk-adjusted margin 44.9% 55.1% Revenue less impairment increased 64.1% to 5.7m (FY 2016: 3.5m) Reduction in the risk-adjusted margin to 44.9% (FY 2016: 55.1%) is the result of: The increased proportion of new customers The expansion in online The introduction of our lower APR products Impairment as a percentage of the average monthly net loan book has improved to 33.3% (2016: 37.0%) Online loan book grew from 0.7m to 1.4m since 31 December
13 Retail Retail Sales Retail Gross Profits % 45.0% 40.0% 35.0% 30.0% 25.0% 20.0% 15.0% 10.0% 5.0% - H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 H H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 H % Sales ( 'm) Sales / Avg Stores ( 'k) Gross Profit Margin % Retail sales increased 16.1% to 35.4m (FY 2016: 30.5m) Gross profits increased 15.2% to 12.9m (FY 2016: 11.2m) Focus on retail price and discounts has improved gross profits Margin pressure from higher cost of goods reflecting the higher rates in both lending and purchase Development of new segments and channels: Gross profit from sales of new jewellery exceeded 1m during FY for the first time There are now over 2000 high-quality pre-owned watches available on the website 12% increase in average inventories vs
14 Gold Purchasing Gold Purchasing Gross Profit ( 'm) 30% % 20% % 10% 5% - H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 0% Gross Profit Margin Gross profit reduced to 3.4m (FY 2016: 3.9m) Estimated weight of fine gold purchased up 2.1% from 2016 Increased value of gold scrapped, up 28.8% to 14.3m (FY 2016: 11.1m) Trend of gold price is important and was a significant factor in the reduction in gold purchasing margins from 26.2% in FY 2016 to 19.2% in FY
15 Other Services Other Services Gross Profit ( 'm) Included in Other Services: FX Buyback Third Party Cheque Cashing Western Union Other - H1 13 H2 13 H1 14 H2 14 H1 15 H2 15 H1 16 H2 16 H1 17 H2 17 Development of other services is important to widen our appeal and drive revenue growth FX and Buyback each delivered growth in the year FX gross profit increased by 7.4% to 2.9m (FY 2016: 2.7m) Buyback gross profits increased 12.5% to 1.8m (FY 2016: 1.6m) Buyback of high end electronics is an important part of the We buy anything proposition 15
16 Consolidated balance sheet 31 December 31 December 'm % Change Goodwill % Other intangible assets % Property, plant and equipment % Deferred tax assets % Inventories % Gross pledge book % Net Personal Loans book % Trade and other (excl PL and PB) % Other current assets % Cash and cash equivalents % Total Assets Trade and other payables (9.7) (8.9) Current tax liabilities (1.5) (1.1) Borrowings (21.8) (14.7) Provisions (1.3) (1.5) Total liabilities (34.3) (26.2) Net Assets % Net Debt (13.3) (5.4) Net Debt / Net Assets 12.4% 5.5% Net Debt / EBITDA NB: Borrowings are net of unamortised debt issue costs Loan book growth Pawnbroking up 11.6% to 46.1m Personal Loans up 94.7% to 18.3m Improved store stock levels 4.3m increase in inventory Net debt of 13.3m (31 December 2016: 5.4m) 8m of facility headroom at period end Facility extended by 5m in March 2018 Well within covenants 16
17 Cash flow statement 'm FY 2017 FY 2016 Profit after Tax Non Cash Expenses (Depreciation etc) Movement in inventories (4.3) (5.0) Movement in debtors (14.2) (8.2) Other working capital Tax and Interest Net cash from operating activities (3.4) 1.3 Capex and Acquisitions (1.8) (1.9) Dividends paid (3.6) (3.1) Share issue etc Movement in net debt (7.9) (3.3) Operating cash flows before working capital movements increase 26.5% to 17.2m (2016: 13.6m) 18.5m investment in working capital through inventories and receivables 7.9m increase in net debt Increased dividend 17
18 Outlook John Nichols, Chief Executive 18
19 Outlook Demand for small, simple, short term loans is strong We have developed a platform for growth: A product range we consider to be well positioned for the regulatory regime Enhancement in our ability to serve a wider customer base, both in store and online Growth in core products The Group is evolving into a provider of alternative credit services to serve a growing customer base 2018 year to date trading in line with management expectations 19
20 Q&A Appendix 20
21 The Board John Nichols Chief Executive Steve Fenerty Finance Director Joined H&T as Managing Director in 1997 Previous roles: several Senior Executive positions within the Rank Organisation, following an early career in the RAF President of the National Pawnbrokers Association Joined H&T Board in 2005 as Commercial Director Previous roles: KPMG, Money Shop. Significant expertise in consumer credit and debt collection Originated and executed over 20 acquisitions for H&T Peter McNamara Non-Executive James Thornton Non-Executive Malcolm Berryman Non-Executive Member of H&T Board on flotation Previous roles: Group Managing Director Alliance & Leicester plc, Managing Director Lloyds Personal Banking Currently Chief Executive of Notemachine Joined H&T Board in 2012 Previous roles: UK Finance Director at Old Mutual plc, Head of Foreign Exchange at IFX plc Joined H&T Board in 2008 Previous roles: Chief Executive of two insurers, Liverpool Victoria and Crown Financial Management Currently Non-Executive Director at STM Group Plc 21
22 Financing Key Terms Total Facility Size 35m (Increased in March 2018) Termination Date 30 April 2020 Utilisation Margin Fixed Repayments 35m subject to leverage (3x) and interest cover (4x) ratios LIBOR plus a margin of between 1.75% and 2.75% No capital repayments prior to termination date. 22
23 H&T Product Offering Pawnbroking Personal Loans Gold Purchase Buyback Cheque cashing Loans based on the value of customer assets Borrow up to 5000 and repay over 1-36 months We buy gold, diamonds, jewellery and watches Turn electronics and gadgets into cash Cash third party cheques instantly in any of our stores Business loans Foreign exchange Retail Asset Finance Give your business a cash boost by using your assets to secure a loan The best rates on the high street. All major currencies available We sell new and preowned jewellery & watches in-store and online Personal and Sole trader loans using your assets as security 23
Ramsdens Holdings PLC. ( Ramsdens, the Group, the Company ) Interim Results for the 6 months ended 30 September 2017
27 th November Ramsdens Holdings PLC ( Ramsdens, the Group, the Company ) Interim Results for the 6 months ended Continued strong growth driven by Foreign Currency Exchange, Pawnbroking and Jewellery retail
More informationH&T GROUP PLC LON:HAT. Defensive / Growth investment. 265p. 350p. 370p m. 13.3m m MARKET LEADER IN PAWNBROKING MAJOR SHAREHOLDERS
CONSUMER FINANCE 02/07/2018 Defensive / Growth investment MARKET LEADER IN PAWNBROKING H&T Group PLC is the UK market leader in pawnbroking, with a chain of 182 high street stores across the county, offering
More informationPolypipe Group plc Interim Results
Polypipe Group plc Interim Results 6 months to 30 June 2017 Disclaimer The information contained in this presentation has not been independently verified and this presentation contains various forward-looking
More informationFor personal use only. JB Hi-Fi Limited. HY18 Results Presentation
JB Hi-Fi Limited HY8 Results Presentation 5 FEBRUARY AUGUST 06 08 PAGE Agenda. Group Performance Overview. JB HI-FI 3. The Good Guys 4. Group Balance Sheet and Cash Flow 5. Outlook Richard Murray Group
More informationPolypipe Group plc Full Year Results
Polypipe Group plc Full Year Results Year ended 31 December 2016 Disclaimer The information contained in this presentation has not been independently verified and this presentation contains various forward-looking
More informationPreliminary Results 2014/ March 2015
Preliminary Results 2014/15 19 March 2015 Agenda Highlights Financial & business review Laurence Bain Mark Whiteling Strategy update & outlook Q&A Laurence Bain All 2 Transforming Premier Farnell 1. Strategic
More informationPRELIMINARY RESULTS PRESENTATION YEAR ENDED 31 DECEMBER 2017
PRELIMINARY RESULTS PRESENTATION YEAR ENDED 31 DECEMBER 2017 DISCLAIMER The information contained in this presentation has not been independently verified and this presentation contains various forward-looking
More informationAegis Group plc Half Year Results. 27 August 2010
Aegis Group plc 2010 Half Year Results 27 August 2010 Agenda Introduction John Napier, Chairman Aegis Group overview Jerry Buhlmann, CEO Divisional review Aegis Media - Jerry Buhlmann, CEO Synovate Robert
More informationNORTHGATE plc Interim Results Six months ended 31 October 2011
NORTHGATE plc Interim Results Six months ended 31 October 2011 6 December 2011 1 Agenda Group Summary Operational review UK Bob Contreras Spain Financial performance Outlook Chris Muir Bob Contreras 2
More informationINTERIM RESULTS PRESENTATION SIX MONTHS TO 30 JUNE 2018
INTERIM RESULTS PRESENTATION SIX MONTHS TO 30 JUNE 2018 DISCLAIMER The information contained in this presentation has not been independently verified and this presentation contains various forward-looking
More informationFor personal use only
APPENDIX 4E Cash Converters International Limited ABN: 39 069 141 546 Financial year ended 30 June 2015 RESULTS FOR ANNOUNCEMENT TO THE MARKET 30 June 2015 30 June 2014 Revenues from operations Up 13.0%
More informationHalf Year Results. for the six months ended 30 November January Chairman Chris Stone CEO Adam Palser CFO Brian Tenner
Half Year Results for the six months ended 30 November 2017 16 January 2018 Chairman Chris Stone CEO Adam Palser CFO Brian Tenner Agenda Overview and strategy update Financial highlights Financial performance
More informationAEGIS GROUP PLC 2008 ANNUAL RESULTS. 19 March 2009
AEGIS GROUP PLC 2008 ANNUAL RESULTS 19 March 2009 AGENDA OVERVIEW OF RESULTS John Napier FINANCIAL REVIEW Alicja Lesniak OUTLOOK John Napier Q&A Aegis Group plc Page 2 OVERVIEW OF RESULTS John Napier,
More informationYEAR END RESULTS 31 MARCH Russell Down, Chief Executive Chris Morgan, Group Finance Director
YEAR END RESULTS 31 MARCH 2018 Russell Down, Chief Executive Chris Morgan, Group Finance Director Customer service strategy improving performance Revenue (excluding disposals) 371.6m 6.4% FY17: 349.1m
More informationInterim Results 2018/19
Interim Results 2018/19 Martin Morgan, Executive Chairman Richard Amos, Chief Financial Officer London, 21 February 2019 Safe Harbour Statement This presentation and the subsequent question and answer
More informationFull-year Financial Report for the year ended 31 December 2016
Full-year Financial Report for the year ended 31 December 2016 IPF plc Full-year Financial Report for the year ended 31 December 2016 Page 1 of 44 CONTENTS PAGE 2016 key messages 3 Group performance overview
More informationResults Presentation. Half Year Ended 30 November 2018
Results Presentation Half Year Ended 30 November 2018 Disclaimer This presentation, prepared by IG Group Holdings plc (the Company ), may contain forward-looking statements about the Company and its subsidiaries
More informationInterim Results. 1 May 2018
Interim Results 1 May 2018 Headlines Trading Revenue 766.5m -3.4% Adjusted PBT 15.1m -30.3% Adjusted EPS 5.0p -28.6% Capital management Free cash flow 10.0m 495.1% Net Debt 83.6m 44.2% DPS 3.1p 0.0% Operations
More informationPreliminary Results. 22nd February 2018
Preliminary Results 22nd February 2018 Mark Lewis Chief Executive Officer Matthew Price Chief Financial Officer Full year themes Diversified business delivering stable returns Doing a great job for our
More informationFiscal 2019 First Quarter Results. October 30, 2018
Fiscal 2019 First Quarter Results October 30, 2018 Safe Harbor This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section
More informationPolypipe Group PLC. Interim results, August 2018
Polypipe Group PLC Interim results, August 2018 Agenda 1 2 3 4 INTRODUCTION FINANCIAL REVIEW BUSINESS REVIEW SUMMARY & OUTLOOK Highlights Group revenue 0.1% higher despite adverse weather and mixed market
More informationInternational Personal Finance plc
International Personal Finance plc Debt provider presentation September 2017 International Personal Finance plc International consumer finance provider with good profit and returns, and strong balance
More informationHalf year results 30 September 2017
Half year results 30 September November Russell Down, Chief Executive Chris Morgan, Group Finance Director Strong first half performance Revenue (excluding disposals) 183.2m 6.9% HY17: 171.4m EBITDA* 33.8m
More informationPolypipe Group PLC. Full Year Results Year ended 31 December 2017
Polypipe Group PLC Full Year Results Year ended 31 December 2017 Agenda 1 2 3 4 5 INTRODUCTION FINANCIAL REVIEW BUSINESS REVIEW STRATEGY SUMMARY & OUTLOOK Introduction Record performance in 2017 in line
More informationHY 2018 Results Presentation August 28, 2018
HY 2018 Results Presentation August 28, 2018 1 Today s speakers Bert Meulman, CEO CEO since 2004 Joined B&S in 1992, held several leadership positions Shareholding partner since 1995 Gert van Laar, CFO
More informationH1 16 interim results. 22 September 2015
H1 16 interim results 22 September 2015 Important notice 2 This presentation may include certain forward-looking statements, beliefs or opinions, including statements with respect to the Company s business,
More informationFY16 YEAR END RESULTS 5 APRIL 2016
FY16 YEAR END RESULTS 5 APRIL 2016 DEFINITIONS AND IMPORTANT NOTICE The following definitions apply throughout Trading EBITDA (earnings before interest, tax, depreciation and amortisation): excludes exceptional
More informationNorthgate plc. Return to growth. Preliminary results Year ended 30 April June Northgate plc
Northgate plc Return to growth Interim results for the six months ended 31 October 2013 Northgate plc Preliminary results Year ended 30 April 2013 June 2013 Agenda Financial review Operational review UK
More informationNorthgate plc. Return to growth. Preliminary results Year ended 30 April June Northgate plc
Northgate plc Return to growth Preliminary results for the year ended 30 April 2014 Northgate plc Preliminary results Year ended 30 April 2013 June 2013 Agenda Group summary Financial review Depreciation
More informationInterim Results for the period ending 30 th September 2015
Interim Results for the period ending 30 th September 2015 10 th Nov 2015 Russell Down, Chief Executive Overview Challenging and disappointing start to the year Review identified: Poor execution of business
More informationHero Acquisitions Ltd
Hero Acquisitions Ltd (subsidiary of HSS Hire Group plc) FY17 Results APRIL 5 th 2018 Important notice By reading or reviewing this presentation, you agree to be bound by the following limitations: This
More informationAegis Group plc. 17 March 2011
Aegis Group plc 2010 Full Year Results 2010 Full Year Results 17 March 2011 Agenda Introduction John Napier, Chairman Aegis Group overview Jerry Buhlmann, CEO Divisional review Aegis Media - Jerry Buhlmann,
More information2017 Full Year Results. Tuesday 21 November 2017
2017 Full Year Results Tuesday 21 November 2017 Disclaimer Certain information included in the following presentation is forward looking and involves risks, assumptions and uncertainties that could cause
More informationFISCAL YEAR 2017 INTERIM RESULTS FOR 12 WEEKS ENDED 17 JUNE JULY 2016
FISCAL YEAR 2017 INTERIM RESULTS FOR 12 WEEKS ENDED 17 JUNE 16 27 JULY 2016 Agenda Key Highlights Financial Review Outlook Q&A Presenter: Tarsem Dhaliwal (CFO) First quarter:12 weeks ending 17 June 2016
More informationAUDITED RESULTS FOR THE YEAR ENDED 31 DECEMBER 2016
AUDITED RESULTS FOR THE YEAR ENDED 31 DECEMBER 2016 AGENDA 2 1 Opening remarks / market update 2 Financial results 3 Operational review 4 Strategy update 5 Outlook 1 2 3 4 5 OPENING REMARKS / MARKET UPDATE
More informationFinancial results & business update. Quarter ended 30 September October 2016
Financial results & business update Quarter ended 30 September 2016 19 October 2016 Disclaimer 3 Any remarks that we may make about future expectations, plans and prospects for the company constitute forward-looking
More informationHalf Year 2016 Results Presentation
Half Year 2016 Results Presentation EYE CARE, WE CARE MORE 5 August 2016 Forward looking statements This presentation contains forward-looking statements that reflect GrandVision s current views with respect
More informationInterim Results. 19 July 2018
Interim Results 19 July 2018 Mark Lewis Chief Executive Officer Trading in line with expectations, good progress on strategy Trading in line with expectations Helped households save 1.1bn Continued strong
More informationFor personal use only
ACN 072 507 147 ASX & MEDIA RELEASE 25 May 2017 THORN FY17 KEY NUMBERS UP, ISSUES BEING ADDRESSED Consumer leasing and business finance company, Thorn Group Limited (ASX: TGA), has lifted revenue, EBIT
More informationFIVE-YEAR CONSOLIDATED SUMMARY OF PROFITS
Clicks Group five-year review 2017 FIVE-YEAR CONSOLIDATED SUMMARY OF PROFITS for the year ended 31 August R million Turnover 11.7% 26 809 24 171 22 070 19 150 17 543 Cost of merchandise sold 12.1% (21
More informationResponsible investment in growth
Responsible investment in growth Issued: 17 June 2014 Legal notice This presentation has been prepared to inform investors and prospective investors in the secondary markets about the Group and does not
More informationPress Release Schroders plc Half-year results to 30 June 2018 (unaudited) 26 July 2018
Press Release Schroders plc Half-year results to 30 June 2018 (unaudited) 26 July 2018 Net income before exceptional items up 11% to 1,086.1 million (H1 2017: 974.4 million) Profit before tax and exceptional
More informationNAHL Group plc. Preliminary Results March 2017
NAHL Group plc Preliminary Results 2016 21 March 2017 1 Agenda 2016 Group Highlights Financial Performance Divisional Review Growth Strategy and Outlook Questions Appendices 2 2016 Group Highlights Financial
More informationTomTom Q results. Harold Goddijn - CEO & Marina Wyatt - CFO 18 February 2011
TomTom Q4 2010 results Harold Goddijn - CEO & Marina Wyatt - CFO 18 February 2011 Financial highlights Content & Services revenue grew by 16% to 98 million Automotive revenue grew by 52% to 55 million
More informationLOOKERS plc. Annual Results for the year ended 31 December 2017
LOOKERS plc Annual Results for the year ended 31 December 2017 Solid underlying growth in a challenging market, with increased dividend and share buyback plan announced Lookers plc, ( Lookers, the company
More informationInterim results 6 months ended 31 July September 2018
Interim results 6 months ended 31 July 2018 25 September 2018 1 Forward-looking statements This presentation contains certain forward-looking statements with respect to the financial condition, results
More informationINTERIM RESULTS PRESENTATION Strong start to the year, with a strong order book for the second half of September 2017
INTERIM RESULTS PRESENTATION Strong start to the year, with a strong order book for the second half of 2017 11 September 2017 AGENDA Introduction and highlights John Hornby Financial review David Main
More informationBecoming the best pet care business in the world. Strategic update and interim financial results FY19
Becoming the best pet care business in the world Strategic update and interim financial results FY19 Interim Results FY19 2 Today s presentation Group strategic update and vet business review Financial
More informationFINANCIAL REVIEW. Financial Review INCOME STATEMENT Reported
Financial Review OVERVIEW The Group made good progress in 2016 as we continued to drive growth in relatively challenging market conditions. To a large extent, the non-discretionary nature of our services
More informationWincanton plc. Results for the Half Year to 30 September 2013
Wincanton plc Results for the Half Year to 30 September 2013 Certain statements in this presentation are forward-looking statements. Such statements are based on current expectations and by their nature
More informationRPC GROUP PLC 2017 / 18 RESULTS
RPC THE ESSENTIAL INGREDIENT RPC GROUP PLC 2017 / 18 RESULTS Supplemental Information 1 2018 RPC Group Plc. All Rights Reserved. Key figures Sales ( m) +36% Adjusted Operating Profit ( m) +38% Adjusted
More informationTRAVIS PERKINS PLC RESULTS FOR THE YEAR ENDED 31 DECEMBER 2011
TRAVIS PERKINS PLC RESULTS FOR THE YEAR ENDED 31 DECEMBER 2011 CONTINUED ROBUST PERFORMANCE ON MARKET SHARE GAINS, MARGINS, EARNINGS AND CASH GENERATION FINANCIAL HIGHLIGHTS DIVIDEND UP 33% Group revenue
More informationTELECONFERENCE Q FINANCIAL RESULTS
TELECONFERENCE FINANCIAL RESULTS 10:00 CET, 11 November 2014 1 12 AUGUST 2014 AGENDA AGENDA Business highlights: Key developments in Market development and sales-out Performance of newly launched products
More informationCABOT CREDIT MANAGEMENT Financial Results. For the nine months ended 30 September 2018
CABOT CREDIT MANAGEMENT Financial Results For the nine months ended 30 September 2018 8 November 2018 DISCLAIMER This presentation has been prepared by Cabot Credit Management ( the Company ) solely for
More informationNORTHGATE PLC INTERIM RESULTS FOR THE SIX MONTHS ENDED 31 OCTOBER 2011
6 December 2011 NORTHGATE PLC INTERIM RESULTS FOR THE SIX MONTHS ENDED 31 OCTOBER 2011 Northgate plc ( Northgate, the Company or the Group ), the UK and Spain s leading specialist in light commercial vehicle
More informationAmadeus H Results
Amadeus H1 2014 Results August 1, 2014 Disclaimer This presentation may contain certain statements which are not purely historical facts, including statements about anticipated or expected future revenue
More information2015 preliminary results
Providing credit to those who would otherwise be financially excluded 23.02.16 Today s presentation 2 1. Highlights and business overview Peter Crook 2. Andrew Fisher 3. Regulation, business development
More informationHalf Year Results for the Six Months to 31 January 2019
Close Brothers Group plc T +44 (0)20 7655 3100 10 Crown Place E enquiries@closebrothers.com London EC2A 4FT W www.closebrothers.com Registered in England No. 520241 Half Year Results for the Six Months
More informationITURAN LOCATION AND CONTROL LTD. Consolidated Interim Financial Statements as of March 31, 2013
Consolidated Interim Financial Statements as of March 31, 2013 Consolidated Financial Statements as of March 31, 2013 Table of Contents Page Consolidated Financial Statements: Balance Sheets 2-3 Statements
More informationINTRODUCTION STEVE RAWLINS, GROUP CHIEF FINANCIAL OFFICER ANDY BLUNDELL, CHIEF EXECUTIVE TOM PRESTWICH, DIRECTOR, GROUP CHANGE PROGRAMME FEBRUARY 2018
INTRODUCTION ANDY BLUNDELL, CHIEF EXECUTIVE STEVE RAWLINS, GROUP CHIEF FINANCIAL OFFICER TOM PRESTWICH, DIRECTOR, GROUP CHANGE PROGRAMME FEBRUARY 2018 TRADING UPDATE 16/01/18 2 THE BOARD ANTICIPATES THAT
More informationNorthgate plc Full Year Results June 2017
Northgate plc Full Year Results 2017 27 June 2017 Agenda» Introductions Andrew Page/Kevin Bradshaw» Financial Review Paddy Gallagher» Strategy and Outlook Kevin Bradshaw 2 Introduction Andrew Page Introduction
More informationRELX Group interim results 2017 Erik Engstrom, CEO Nick Luff, CFO
RELX Group interim results Erik Engstrom, CEO Nick Luff, CFO FORWARD-LOOKING STATEMENTS This presentation contains forward-looking statements within the meaning of Section 27A of the US Securities Act
More informationFiscal 2018 Fourth Quarter Results. July 26, 2018
Fiscal 2018 Fourth Quarter Results July 26, 2018 Safe Harbor This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section
More informationThursday 26 July 2012 For Immediate Release
Thursday 26 July 2012 For Immediate Release SECURE TRUST BANK PLC Results for the six months to 30 June 2012 Flotation commitments being delivered Secure Trust Bank PLC ( STB or the Company ) has traded
More informationITURAN LOCATION AND CONTROL LTD. Consolidated Interim Financial Statements as of March 31, 2014
Consolidated Interim Financial Statements as of March 31, 2014 Consolidated Financial Statements as of March 31, 2014 Table of Contents Page Consolidated Financial Statements: Balance Sheets 2-3 Statements
More informationNorthgate plc preliminary results for the year ended 30 April 2015 DRIVING PROFITABLE GROWTH
DRIVING PROFITABLE GROWTH 1 Agenda Financial review Chris Muir Operational review - UK - Spain Bob Contreras Fernando Cogollos Outlook Bob Contreras 2 Financial review Chris Muir 3 Group financial summary
More informationUNAUDITED FOURTH QUARTER AND FULL YEAR FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2014
UNAUDITED FOURTH QUARTER AND FULL YEAR FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2014 MoneyMax Financial Services Ltd. (the Company ) was listed on Catalist of the Singapore Exchange
More informationResults for the year ended
1 Results for the year ended 31 December 2012 Mike Goddard, Executive Chairman Carl Chadwick, CFO Agenda Financial Results to December 2012 Operational and Business Review 2012 Market Review and Trading
More informationManaging collateralised trading. Enabling regulatory compliance.
Managing collateralised trading. Enabling regulatory compliance. Interim report 2015 Industry leading risk management and regulatory compliance solutions. Lombard Risk Management plc is a global technology
More information2012 Full Year Results. 27 February 2013
2012 Full Year Results 27 February 2013 Introduction Stephen Harris Chief Executive Induction hardening Used to obtain a hard case for wear resistance or to increase fatigue strength. The induction process
More informationIntroduction Stephen Harris
Introduction Stephen Harris Group Chief Executive 2 Agenda Highlights Financial review Business review Summary and Outlook 3 Highlights Results 8.7% revenue growth to 368.0m 5% growth in headline operating
More informationDomino s Pizza UK & IRL plc. Interim Results for the 26 weeks ended 28 June 2009
Domino s Pizza UK & IRL plc Interim Results for the 26 weeks ended 28 June 2009 m System sales momentum 210 System sales have doubled since 2005 196.4 190 170.2 170 150 130 110 97.1 114.8 142.5 +24.1%
More informationRM plc announces interim results for the 6 months ended 31 May 2013
8 July 2013 RM plc announces interim results for the 6 months ended 31 May 2013 RM plc, the educational ICT and resources group, today announces its interim results for the 6 months ended 31 May 2013.
More informationRebalanced ITV delivers continued good growth Interim Results 2016
Rebalanced ITV delivers continued good growth Interim Results 2016 27 July 2016 Agenda Key Messages and H1 Highlights Adam Crozier Half Year Financial Results Ian Griffiths Strategic Outlook Adam Crozier
More informationResults for the financial year ending 1 February FY 14/15 (52 weeks) 88.0 (4.9) 83.1
Premier Farnell plc 19 March 2015 Key Financials except for per share Results for the financial year ending 1 February 2015 FY 14/15 (52 weeks) FY 13/14 (52 weeks) Change Underlying Growth (a) Total revenue
More informationInterim Results FY18 28 th November 2017
Interim Results FY18 28 th November 2017 Forward looking statements Forward-Looking Statements INCLUDED IN THIS PRESENTATION ARE FORWARD-LOOKING MANAGEMENT COMMENTS AND OTHER STATEMENTS THAT REFLECT MANAGEMENT
More informationVita Group (VTG)! Results Presentation!
Vita Group (VTG) Results Presentation First half FY14 Group highlights Sustained trend of strong profit, dividend growth Underlying EBITDA 1 +18%, underlying NPAT 2 +56%, dividend +66% Areas of strategic
More informationFor personal use only. JB Hi-Fi Limited. HY17 Results Presentation
JB Hi-Fi Limited HY7 Results Presentation 3 5 FEBRUARY AUGUST 06 07 PAGE Agenda. Group Performance Overview. JB HI-FI 3. The Good Guys 4. Stores 5. Group Balance Sheet and Cash Flow 6. Outlook Richard
More informationResponsible investment in growth
Responsible investment in growth Issued: 1 March 2016 Legal notice This presentation has been prepared to inform investors and prospective investors in the secondary markets about the Group and does not
More information>21,000 1,835. Our geographic footprint. Facilitating safe working at height from 3.5 metres to 84 metres
Interim Report 2016 Our geographic footprint access platforms >21,000 Facilitating safe working at height from 3.5 metres to 84 metres Depots 70 We have 70 depots spread over 10 countries employees 1,835
More informationGiti Tire Pte. Ltd. & Its Subsidiaries. Financial Statements FY2015. (Unaudited Management Accounts)
Giti Tire Pte. Ltd. & Its Subsidiaries Financial Statements FY (Unaudited Management Accounts) CONSOLIDATED STATEMENT OF PROFIT OR LOSS For the 12 months period Dec 31, Revenue 19,467 Cost of sales (14,066)
More informationVolution Group plc Half year results to 31 January Excellence in ventilation
Volution Group plc Half year results to 31 January 2018 Excellence in ventilation Introduction Excellence in ventilation Volution Group plc is a leading supplier of ventilation products to the residential
More informationFY Alliance Aviation Services Limited Results Presentation. August 2018
FY 2018 Alliance Aviation Services Limited Results Presentation August 2018 Key Messages Alliance Aviation Services Limited announces a full year result which includes: $ 26.1m A strong financial performance
More information3 RD QUARTER 2013 RESULTS CONFERENCE CALL & WEBCAST
3 RD QUARTER 2013 RESULTS CONFERENCE CALL & WEBCAST OCTOBER 23, 2013 8:30AM ET / 2:30PM CET NYSE: NLSN SAFE HARBOR FOR FORWARD-LOOKING STATEMENTS The following discussion contains forward-looking statements,
More informationFinancial Review. Strategic Report - Performance. Table 1: Performance Metrics
58 Financial Review Despite the challenge of a mild winter, the Group had a good year with revenue increasing by 6.2%, operating profits increasing 11.5%, adjusted earnings per share increasing by 11.7%,
More informationThe Property Franchise Group. Half Year Results September 2016
The Property Franchise Group Half Year Results September 2016 Agenda 2 Overview Ian Wilson, Chief Executive Officer Financial performance David Raggett, Chief Financial Officer Operational performance
More informationLooking to the medium term
Looking to the medium term Issued: 4 September 2013 Legal notice This presentation has been prepared to inform investors and prospective investors in the secondary markets about the Group and does not
More informationHOGG ROBINSON GROUP PLC. July 2014
HOGG ROBINSON GROUP PLC July 2014 CONTENTS Pages Introduction to Hogg Robinson Group 3-10 Business model and competitive advantages 3 Strategy 4 Financial performance 5 KPIs 6 Clients and contracts 7 Target
More informationEarly signs of operational progress are coming through in the UK, while Spain continues to perform strongly.
5 December 2017 NORTHGATE PLC INTERIM RESULTS FOR THE SIX MONTHS ENDED 31 OCTOBER 2017 Strong growth in Spain and slowing decline in UK of vehicles on hire with good progress against strategic initiatives.
More informationPresentation to Carillion
DRAFT #3 (24 Nov) 1 Presentation to Carillion The Equipment Rental Specialist 9 th June 2010 Interim Results for the period ended 30 September 2016 The Equipment Rental Specialists The Equipment Rental
More informationSelling, general and administrative expenses 35,645 33,787. Net other operating income (292) (270) Operating profit 44,202 17,756
Condensed Interim Consolidated Income Statement For the quarter ended September 30 Continuing operations Revenue 328,071 258,941 Cost of sales 248,516 207,668 Gross profit 79,555 51,273 Selling, general
More informationPreliminary Results Pro forma 12 months ended 30 September 2008
Preliminary Results Pro forma 12 months ended 30 September 2008 2 December 2008 Introduction Manny Fontenla-Novoa, CEO Financial review Jürgen Büser, CFO Strategy update, current trading & outlook Manny
More informationHalf year results to 30 June Morgan Sindall Group plc 2 August 2016
Half year results to 30 June 2016 Morgan Sindall Group plc 2 August 2016 Agenda Introduction John Morgan HY 2016 Financial and Operational Review Steve Crummett Outlook and Prospects 2017 & beyond John
More informationRM plc announces interim results for the 6 months ended 31 May 2015
6 July 2015 RM plc announces interim results for the 6 months ended 31 May 2015 RM plc, the educational ICT and resources group, announces its interim results for the 6 months ended 31 May 2015. Results
More informationFollowing is a copy of the Presentation of Results for the financial half-year ended 29 December 2012.
20 February 2013 Company Announcements Office Australian Securities Exchange Limited 20 Bridge Street Sydney NSW 2000 By electronic lodgment Total Pages: 27 (including covering letter) PRESENTATION OF
More informationCondensed Consolidated Interim Financial Statements (Unaudited) Mizzen Mezzco Limited. Year and quarter ended 31 December 2017
Condensed Consolidated Interim Financial Statements (Unaudited) Mizzen Mezzco Limited Year and quarter Premium Credit is the No.1 Insurance Financing Company in the UK and Ireland Mizzen Mezzco Limited
More informationSecure Trust Bank PLC
Secure Trust Bank PLC 2012 YEAR END RESULTS 21 st March 2013 Introduction PAUL LYNAM Chief Executive Officer Strategy 1. Protect the reputation and sustainability of the bank via prudent balance sheet
More informationExtraordinary days, every day
Extraordinary days, every day CareTech Holdings PLC Interim Report 2009 Contents 01 Overview 02 Chairman s Statement 04 Unaudited Consolidated Income Statement 05 Unaudited Consolidated Statement of Recognised
More informationTI Fluid Systems plc Results Presentation for TI Fluid Systems plc 20 March 2018
2017 Results Presentation for 20 March 2018 Disclaimer This presentation contains certain forward-looking statements with respect to the financial condition, results of operations and business of (the
More informationDM PLC INTERIM REPORT. for the six month period ended 30 June 2007
DM PLC INTERIM REPORT for the six month period ended 30 June 2007 Highlights DM, the direct marketing group specialising in customer recruitment and database management reports its unaudited interim results
More information