Humm Group Limited (AU:HUM)
ASX:HUM
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HUM Stock Chart & Stats
AU$0.64
-AU$0.03(-3.97%)
At close: 4:00 PM EST
AU$0.64
-AU$0.03(-3.97%)
Day’s Range― - ―
52-Week RangeAU$0.43 - AU$0.78
Previous CloseN/A
Volume266.92K
Average Volume (3M)1.22M
Market Cap
AU$320.58M
Enterprise ValueAU$4.67B
Total Cash (Recent Filing)AU$365.10M
Total Debt (Recent Filing)AU$4.72B
Price to Earnings (P/E)6.2
Beta0.42
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.84%
Share Statistics
EPS (TTM)0.06
Shares Outstanding504,914,460
10 Day Avg. Volume1,382,983
30 Day Avg. Volume1,221,266
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.54
Price to Sales (P/S)0.41
P/FCF Ratio1.73
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.09
Revenue Forecast (FY)AU$501.50M
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthA 139.77% revenue uplift indicates meaningful expansion of originations and customer adoption. Durable growth in receivables and transaction volumes supports larger interest and fee income, helps scale fixed costs, and strengthens long-term franchise value across merchant and broker channels.
Very High Operating MarginsExtremely high gross and operating margins signal efficient cost structure and pricing power in core lending/payments products. Sustained margin flexibility provides a buffer against credit volatility, funds growth initiatives, and supports reinvestment without immediate reliance on external funding.
Diversified Finance Model & DistributionA mix of consumer BNPL, installment, and commercial asset finance plus merchant and broker distribution reduces concentration risk. Multiple product lines and channels create cross-sell opportunities and more stable fee and interest streams over time versus a single product reliance.
Bears Say
Very High LeverageA debt-to-equity ratio near 9x implies heavy reliance on external funding. This magnifies refinancing and interest-rate risk, constrains flexibility for growth or provisioning, and makes the business vulnerable if funding markets tighten or receivables performance deteriorates.
Weak Cash Generation TrendsSeverely negative FCF growth and minimal operating cash conversion mean reported earnings are not translating into robust cash. That increases dependence on external warehouses or debt, limiting ability to deleverage, invest or absorb credit losses without raising funding costs.
Low Net Margin And EPS PressureDespite strong top-line growth and high operating margins, a low net margin and declining EPS point to sizeable non-operating costs, provisions or funding expenses. This weakens retained earnings and capital build, limiting resilience and long-term ability to support loan growth.
Humm Group Limited News
HUM FAQ
What was Humm Group Limited’s price range in the past 12 months?
Humm Group Limited lowest share price was AU$0.43 and its highest was AU$0.78 in the past 12 months.
What is Humm Group Limited’s market cap?
Humm Group Limited’s market cap is AU$320.58M.
When is Humm Group Limited’s upcoming earnings report date?
Humm Group Limited’s upcoming earnings report date is Aug 26, 2026 which is in 97 days.
How were Humm Group Limited’s earnings last quarter?
Currently, no data Available
Is Humm Group Limited overvalued?
According to Wall Street analysts Humm Group Limited’s price is currently Overvalued.
Does Humm Group Limited pay dividends?
Humm Group Limited pays a Semiannually dividend of AU$0.007 which represents an annual dividend yield of 2.84%. See more information on Humm Group Limited dividends here
What is Humm Group Limited’s EPS estimate?
Humm Group Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Humm Group Limited have?
Humm Group Limited has 504,914,460 shares outstanding.
What happened to Humm Group Limited’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Humm Group Limited?
Currently, no hedge funds are holding shares in AU:HUM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Humm Group Limited Stock Smart Score
Neutral
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Fundamentals
Return on Equity
5.04%
Trailing 12-Months
Asset Growth
-3.31%
Trailing 12-Months
Company Description
Humm Group Limited
Humm Group Limited provides various financial services in Australia, New Zealand, Ireland, the United Kingdom, and Canada. The company operates through four segments: BNPL, New Zealand Cards, Australia Cards, and Commercial and Leasing. It offers buy now, pay later solution under the bundll brand name; humm, an interest-free payment platform with repayment options; long term interest free finance and everyday spend solutions under the humm90 brand; humm pro, a buy now pay later solution for small to medium businesses; Q Mastercard, an interest free credit card; FlexiCommercial, a business financing solution, which includes leasing and chattel mortgages for small and medium businesses; and leasing solutions and SME financing services. The company was formerly known as FlexiGroup Limited and changed its name to Humm Group Limited in November 2020. Humm Group Limited was founded in 1988 and is headquartered in Sydney, Australia.
Technical Analysis
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Options Prices
Currently, No data available
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