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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$0.42 - AU$0.78
Previous CloseN/A
Volume266.92K
Average Volume (3M)1.22M
Market Cap
AU$212.04M
Enterprise ValueAU$4.65K
Total Cash (Recent Filing)AU$365.10M
Total Debt (Recent Filing)AU$4.72B
Price to Earnings (P/E)7.6
Beta0.43
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield5.24%
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 Target
AU$0.80Price Target Upside25.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.1
Revenue Forecast (FY)AU$346.30M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained top-line expansion (139.77% y/y) indicates the company is materially scaling originations and merchant distribution. Durable revenue growth supports economies of scale, expands interest and fee income, and provides capacity to reinvest in product and distribution over the medium term.
High Operating MarginsExceptionally high gross and robust EBIT/EBITDA margins show structural operating efficiency likely tied to fee-rich products and low direct costs. High margins enhance the firm's ability to absorb credit losses and funding costs, supporting durable profitability even in slower growth periods.
Diversified Finance ModelA mix of consumer BNPL/instalment and commercial asset finance distributed via merchants and brokers creates multiple revenue channels. Diversification across products and channels reduces concentration risk and supports steadier originations across economic cycles.
Bears Say
Very High LeverageA debt-to-equity ratio of 9.30 signals heavy reliance on external funding. This structural leverage heightens sensitivity to funding cost increases and market dislocations, constraining financial flexibility and raising the risk of margin pressure or tightened lending in adverse conditions.
Weak Cash GenerationDeeply negative FCF growth and a very low operating-CF-to-net-income ratio show earnings are not converting to cash at scale. That structural cash weakness forces dependence on external funding, limits internal reinvestment, and raises refinancing and liquidity risks over the medium term.
Low Net Profit MarginDespite high gross and operating margins, a 6.06% net margin implies significant funding, credit loss provisioning, or non-operating costs. Persistently low net profitability restricts retained earnings accumulation and capital buffers, reducing resilience to credit cycles and investment needs.
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$0.42 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$212.04M.
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 24 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$0.015 which represents an annual dividend yield of 5.24%. 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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Analyst Consensus
Moderate Buy
Average Price Target:
AU$0.80 (25.00% Upside)
AU$0.80 (25.00% Upside)
Blogger Sentiment
Bullish
AU:HUM Sentiment 96%
Sector Average 57%
Sector Average 57%
Fundamentals
Return on Equity
5.24%
Trailing 12-Months
Asset Growth
-3.31%
Trailing 12-Months
Company Description
Humm Group Limited
Established in Sydney, Australia in 1988, Humm Group Limited (which operated as FlexiGroup Limited until November 2020) provides a diverse range of financial services across Australia, New Zealand, Ireland, the United Kingdom, and Canada. The company's operations are divided into four key segments: Buy Now, Pay Later (BNPL), New Zealand Cards, Australia Cards, and Commercial & Leasing. Humm Group offers a broad portfolio of financial products, including the 'bundll' brand for its buy now, pay later solution, and 'humm', an interest-free payment platform with flexible repayment options. They also provide long-term interest-free finance and everyday spending solutions under the 'humm90' brand, as well as the 'Q Mastercard', an interest-free credit card. For small to medium-sized businesses, the company provides 'humm pro', a BNPL solution, and 'FlexiCommercial', which offers business financing, leasing arrangements, and chattel mortgages, alongside general leasing and SME financing services.
HUM Stock 12 Month Forecast
Average Price Target
AU$0.80
▲(25.00% Upside)
Technical Analysis
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