Home | Group Information | Our Business | Investor Centre | Contact Us


Founded in Bristol in 1986 as a pawnbroking service, the main part of our business remains the issue of loans against the security of gold jewellery and diamonds

5 Year Summary
2004
(366)
2005
(365)
2006
(365)
2007
(365)
2008
(366)
Intangible Fixed Assets0.35 0.77 2.47 6.36 23.44 
Tangible Fixed Assets4.44 4.48 5.27 5.70 6.57 
Fixed Investments     
Total Net Fixed Assets4.78 5.25 7.74 12.06 30.01 
Stocks4.92 5.79 7.48 9.35 15.06 
Debtors18.89 21.01 25.30 30.13 42.44 
Cash and Securities0.98 1.71 1.66 1.96 2.78 
Total Current Assets24.78 28.51 34.45 41.45 60.29 
Total Assets29.56 33.76 42.19 53.76 91.05 
Creditors Short4.07 3.00 2.80 3.35 6.87 
Creditors Long8.81 10.44 15.88 24.08 39.87 
Total Liabilities12.88 13.44 18.68 27.44 46.74 
Total Net Assets16.68 20.32 23.50 26.33 44.31 
Share Capital5.49 5.58 5.89 5.98 22.26 
Reserves11.19 14.74 17.61 20.34 22.05 
Shareholders Funds16.68 20.32 23.50 26.33 44.31 
Minorities     
Total16.68 20.32 23.50 26.33 44.31 

* Figures in £m

Investment Ratios
20042005200620072008
Net Borrowings (£m)0.98 1.71 1.66 1.96 2.78 
Net Tangible Asset
Value PS (p)
35.51 42.29 45.20 42.42 37.91 
ROCE (%)20.74 20.20 20.16 18.05 20.34 
ROE (%)19.96 19.44 19.97 20.05 16.30 
Net gearing (%)53.28 47.22 62.19 88.27 82.74 
Gross gearing (%)59.13 55.63 69.27 95.73 89.01 
Cash (%)5.85 8.41 7.08 7.46 6.28 
Interest Cover (x)9.98 9.15 8.11 7.19 4.84 
Quick Ratio (r)4.88 7.57 9.61 9.58 6.58 
Current Ratio (r)6.09 9.50 12.28 12.37 8.77 

Borrowings
20042005200620072008
Total Debt9.86 11.30 16.28 25.21 39.44 
Due < 1 yr1.33 1.10 0.62 1.19 2.57 
1-2 yrs8.52 10.19 15.61 0.09 1.96 
2-5 yrs0.01 0.02 0.04 23.92 33.96 
> 5 yrs    0.96 

* Figures in £m

Financial information provided by Hemscott Group Limited