Education
About Us
Working with TipRanks
Follow Us
Humm Group Limited (AU:HUM)
ASX:HUM
HUM Stock Chart & Stats
AU$0.66
-AU$0.03(-3.97%)
At close: 4:00 PM EST
AU$0.66
-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
€347.51M
Enterprise ValueAU$4.68B
Total Cash (Recent Filing)€323.30M
Total Debt (Recent Filing)€4.68B
Price to Earnings (P/E)12.5
Beta0.73
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.84%
Share Statistics
EPS (TTM)N/A
Shares Outstanding500,072,970
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)0.42
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 Target
€0.86Price Target Upside30.30% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Top-line GrowthA 139.77% revenue increase signals rapidly expanding originations and customer adoption of humm’s credit products. Durable top-line momentum supports scale economies, stronger merchant leverage and the opportunity to improve unit economics and long-term revenue diversification over the next several months.
High Gross And Operating MarginsVery high gross and strong EBIT/EBITDA margins indicate a scalable, low-variable-cost business and effective cost control in core finance operations. These structural margin advantages support profitability as originations scale and provide a cushion against modest revenue swings or incremental investment needs.
Diversified Consumer-finance Revenue ModelA multi-channel revenue mix (interest, merchant fees, customer fees and ancillary payment income) reduces dependence on any single stream. This structural diversity, combined with POS/BNPL distribution through merchant partners, supports resilient cashflows and customer acquisition over the medium term.
Bears Say
Very High LeverageA debt-to-equity ratio of 9.30 reflects heavy reliance on borrowed and securitised funding. This structural leverage raises vulnerability to higher funding costs or credit tightening, limits strategic flexibility, and increases the risk that adverse macro conditions will materially pressure liquidity and earnings sustainability.
Weak Operating Cash Conversion And Negative FCF GrowthNegative FCF growth of -245% and an operating-cash-to-net-income ratio near 0.04 show earnings are not converting into cash. For a lender, persistent weak cash conversion creates ongoing funding needs, raising refinancing risk and making growth or capital returns reliant on external capital rather than internal cash generation.
Low Net Profit Margin Versus Operating MarginsA net margin of ~6% despite very high gross and operating margins suggests interest expense, provisioning or non-operating costs erode returns. Structurally, this reduces retained earnings available for reinvestment or buffer against credit losses and constrains long-term shareholder return potential absent margin improvement or capital structure repair.
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 €347.51M.
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 182 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 Undervalued.
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 500,072,970 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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€0.86 (30.30% Upside)
€0.86 (30.30% Upside)
Blogger Sentiment
Bullish
AU:HUM Sentiment 95%
Sector Average ―
Sector Average ―
Insider Transactions
Bought Shares
Worth €6.6M over
the Last 3 Months
the Last 3 Months
Fundamentals
Return on Equity
7.83%
Trailing 12-Months
Asset Growth
-11.70%
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.
HUM Stock 12 Month Forecast
Average Price Target
AU$0.86
▲(30.30% Upside)
Technical Analysis
Money3 Corporation Limited
―
Wisr Ltd.
―
Zip Co Ltd.
―
Plenti Group Ltd.
―
MoneyMe Ltd.
―
Options Prices
Currently, No data available
---