With 10% profit growth, a soaring pledge book, and a 27% retail sales jump, H&T Group Plc (LON:HAT) 2024 results offer five compelling reasons investors should be paying attention. In this conversation, Hardman & Co’s Mark Thomas breaks down why the momentum in pawnbroking, value retail, forex, gold trading, and store expansion could make H&T a standout in a tight consumer environment. Plus, how the company is staying ahead of risks and cost pressures others can’t shake.