Sustained Revenue & Profit RecoveryMulti-year top-line growth and a clear profitability recovery provide a durable foundation for reinvestment and scale. Growing revenue and rising net income reflect stronger market penetration across segments, supporting long-term operating leverage and the ability to fund expansion and shareholder returns.
Diversified Retail-Led Income StreamsA broad mix of consumer-facing services (FX, pawnbroking, jewellery retail, gold buying, cards/IMT) reduces reliance on any single revenue source. This diversification enables cross-sell, recurring transaction flows (eg. currency cards, IMT) and resilience to sector-specific shocks, supporting steadier medium-term cash generation.
Solid Balance Sheet & Financial FlexibilityA conservative leverage profile and rising equity provide financial optionality for store roll-out and working capital needs. Healthy cash, undrawn facilities and double-digit ROE support funding of organic growth, absorb cyclical shocks, and maintain dividend flexibility without immediate reliance on new debt.