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Motorpoint’s issued an encouraging FY26 trading update which points to a strong operational recovery, with both volumes and profitability materially ahead of the prior year. Retail volumes reached a record c.65,000 units, up 8%, significantly outperforming the broader UK used car market, which grew at a much slower pace. This suggests continued market share gains, supported by the group’s omnichannel model and increasingly data-driven execution. But the most notable feature flagged up was the sharp improvement in profitability. Profit before tax is expected to increase 83% to c.£7.5m, while EBITDA rises 13% to c.£27.0m. This reflects a combination of higher volumes and improved unit economics, particularly through record “metal margin” performance. Management highlights the growing role of data and AI in pricing, sourcing and demand generation, with approximately 900 incremental vehicle sales attributed to AI-driven re-engagement tools. This indicates early evidence of technology enhancing both conversion and margin. Supply conditions also appear to have normalised, which is supportive. Improved access to vehicles, including greater use of direct sourcing via the “Sell Your Car” channel and bulk purchasing opportunities....

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koo - kooth

3*

kooth’s fy25 results highlight a year of consolidation after the exceptional step-up in 2024, with revenue easing back modestly but strategic progress in the us and continued investment in long-term growth drivers leaving the broader investment case intact. revenue declined to £63.3m from £66.7m, primarily due to foreign exchange headwinds, lower california product development revenues and delayed timing of the michigan contract, although this was still up from $33.3m in fy23. and adjusted ebitda of £11.3m came in ahead of expectations, indicating good cost discipline despite elevated investment in user acquisition and platform development. the key investment driver remains soluna in the us. california is increasingly becoming proof of concept for kooth’s state alliance model, with more than 144,000 young people registered by the end of 2025, over 1,400 institutional and community partnerships, and growing evidence of real-world clinical and system impact. this matters because kooth’s route to long-term growth is not simply selling digital mental health tools, but embedding its services into state-wide behavioural health ecosystems. the successful new jersey renewal and new $2.6m michigan contract suggest...

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business introduction: helios towers is a uk-listed independent mobile tower company focused on africa and middle east. the group owns and operates nearly 15,000 telecom tower sites across 9 countries and provides mission-critical passive infrastructure and power solutions that mobile network operators need to expand coverage and capacity. in practical terms the business leases space on tower sites to operators, often to multiple tenants on the same structure. the group sits at the intersection of 2 long-duration structural themes, rising mobile penetration and rising mobile data consumption across some of the fastest-growing populations globally.

the operating model is built around infrastructure sharing, power reliability, long-term contracts and disciplined capital allocation. this is not a telecom operator taking subscriber or spectrum risk. nor is it a conventional industrial company where growth requires a similar rise in fixed cost. rather, helios owns and operates a large tower platform and then improves returns by adding further tenancies to that installed base, expanding the tenancy ratio and spreading fixed operating costs over a broader revenue stream. the investment case is therefore less about one-off earnings spikes and more about whether management can continue converting scale, uptime, rollout speed and customer relationships into higher cash generation over time.

the group’s present shape has been built through a combination of organic rollout...

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business introduction: chesnara is a life and pensions group headquartered in preston which specialises in managing life and pension books and in acquiring and integrating insurance businesses. the group operates across the uk, sweden and the netherlands and combines mature closed-book cash generation with selected open-book and investment-linked operations. its swedish business, movestic, remains open to new business and offers pensions, savings and protection solutions, while in the netherlands scildon provides individual life and investment-linked products. in the uk the group manages long-term life and pension portfolios and has materially expanded its platform through the acquisition of hsbc life (uk), now rebranded as chesnara life.

the group’s operating model is built around capital discipline, resilient cash generation and value-accretive consolidation in fragmented european life and pensions markets. it is not a conventional growth insurer chasing volume for volume’s sake. rather, chesnara is a disciplined consolidator focused on extracting value from in-force books, improving efficiency, optimising capital and selectively adding further scale. products and services span closed life and pension books, unit-linked savings products, protection products and related long-term financial solutions. that gives chesnara a slightly unusual profile versus mainstream insurers because much of the investment case rests not on chasing high new business growth, but on the repeatable generation of cash, capital and value from acquired books. the model is conservative but can still create meaningful shareholder value when management executes well on integration, cost discipline and capital management. the group is now extending that platform further through the proposed acquisition of scottish widows europe sa, which would also give chesnara an entry point into luxembourg and another avenue for european consolidation.

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