Humm Group Limited (F5L) Price & Analysis

Q: What was Humm Group Limited’s price range in the past 12 months?

Humm Group Limited lowest stock price was €0.23 and its highest was €0.44 in the past 12 months.

Q: What is Humm Group Limited’s market cap?

Humm Group Limited’s market cap is €207.76M.

Q: 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 187 days.

Q: Is Humm Group Limited overvalued?

According to Wall Street analysts Humm Group Limited’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Q: Does Humm Group Limited pay dividends?

Humm Group Limited does not currently pay dividends.

Q: What is Humm Group Limited’s EPS estimate?

Humm Group Limited’s EPS estimate for its next earnings report is not yet available.

Q: How many shares outstanding does Humm Group Limited have?

Humm Group Limited has 500,072,970 shares outstanding.

Q: Which hedge fund is a major shareholder of Humm Group Limited?

Currently, no hedge funds are holding shares in DE:F5L

Q: 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

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1 Followers

F5L Stock Chart & Stats

€0.40

€0.00(0.00%)

At close: Jan 08 4:00 PM EST

€0.40

€0.00(0.00%)

Day’s Range― - ―

52-Week Range€0.23 - €0.44

Previous CloseN/A

Volume0.00

Average Volume (3M)0.00

Market Cap

€207.76M

Enterprise Value€4.70B

Total Cash (Recent Filing)€323.30M

Total Debt (Recent Filing)€4.68B

Price to Earnings (P/E)12.8

Beta0.48

Next Earnings

Aug 26, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)N/A

Shares Outstanding500,072,970

10 Day Avg. Volume0

30 Day Avg. Volume0

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

€0.51

Price Target Upside27.50% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering2

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue GrowthA 139.77% revenue increase indicates rapid top-line expansion and stronger product adoption across channels. Over the next 2-6 months, sustained revenue growth can translate to broader loan book diversity, higher recurring interest and fee income, and greater scale benefits for merchant distribution.

Operating MarginsExceptionally high gross and EBITDA/EBIT margins show strong unit economics and effective cost control in core financing operations. Durable margin strength provides a buffer for credit losses and funding cost swings, and supports reinvestment into product and merchant expansion over the medium term.

Diversified Revenue ModelThe business earns interest income, merchant fees, customer fees and ancillary payment revenue, creating multiple recurring streams. Structural diversification across product and partner channels reduces single-source risk and supports resilience through retail cycles and changes in consumer payment preferences.

Bears Say

High LeverageA debt-to-equity ratio of 9.30 indicates very high leverage, increasing balance-sheet vulnerability. Over 2-6 months this magnifies refinancing and interest-rate risk, limits capital flexibility for originations or strategic moves, and reduces the ability to absorb credit deterioration without external funding.

Weak Cash GenerationSeverely negative free cash flow growth and a very low operating-cash-to-net-income ratio show weak cash conversion from earnings. Persistent cash shortfalls can force reliance on securitisation or borrowing, raise funding costs, and constrain sustainable loan origination and investment capacity.

Thin Net ProfitabilityA low net margin (6.06%) versus very high gross margins suggests funding costs, provisions or operating expenses materially compress returns. This structural margin gap leaves limited retained earnings, making profitability sensitive to credit losses or rising funding costs over the medium term.

Humm Group Limited News

Humm Group Posts Higher Half-Year Profit as Consumer Finance and NZ Cards Drive Recovery

The latest announcement is out from Humm Group Limited ( ($AU:HUM) ). Humm Group reported statutory profit after...

10d ago

Humm Group Issues Interim 1H26 Results With Investor Risk Warnings

The latest update is out from Humm Group Limited ( ($AU:HUM) ). Humm Group Limited has released its...

10d ago

Humm Group Profit Halves but Lifts Interim Dividend Amid Softer Revenue

Humm Group Limited ( ($AU:HUM) ) has provided an update. Humm Group Limited reported a slight decline in...

10d ago

Humm Group to Unveil 1H26 Results with Investor Webcast

Humm Group Limited ( ($AU:HUM) ) has shared an update. Humm Group Limited, a diversified financial services provider...

10d ago

Humm Group Hit With $19m Court Damages in Forum Fraud Case but Escapes Larger SMBC Claim

Humm Group Limited ( ($AU:HUM) ) has shared an update. Humm Group Limited has reported that the Federal...

18d ago

Humm Faces Takeovers Panel Application Over Handling of Credit Corp Bid and Chair’s Rising Stake

The latest announcement is out from Humm Group Limited ( ($AU:HUM) ). Humm Group Limited has become the...

25d ago

Humm Group Shifts Registered Office to New Sydney CBD Headquarters

Humm Group Limited ( ($AU:HUM) ) just unveiled an update. Humm Group Limited has relocated its registered office...

25d ago

Humm Board Urges Shareholders to Reject Activist-Led Director Shake-Up

Humm Group Limited ( ($AU:HUM) ) has issued an update. Humm Group Limited is confronting a shareholder-led attempt...

1M ago

Humm Director Andrew Abercrombie Lifts Stake with A$10.9m On-Market Share Purchases

Humm Group Limited ( ($AU:HUM) ) just unveiled an announcement. Humm Group Limited has disclosed that director Andrew...

2M ago

Humm Group Faces Shareholder-Driven Board Challenge Ahead of 2026 Meeting

The latest announcement is out from Humm Group Limited ( ($AU:HUM) ). Humm Group Limited has disclosed that...

2M ago

F5L FAQ

What was Humm Group Limited’s price range in the past 12 months?

Humm Group Limited lowest stock price was €0.23 and its highest was €0.44 in the past 12 months.

What is Humm Group Limited’s market cap?

Humm Group Limited’s market cap is €207.76M.

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 187 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. Get more investment ideas with TipRanks Premium

Does Humm Group Limited pay dividends?

Humm Group Limited does not currently pay dividends.

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 DE:F5L

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

Fundamentals

Return on Equity

7.83%

Trailing 12-Months

Asset Growth

-11.70%

Trailing 12-Months

Top Smart Score Stocks >

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.

Humm Group Limited (F5L) Earnings & Revenues

Historic Earnings Reports

F5L Stock 12 Month Forecast

Average Price Target

€0.51

▲(27.50% Upside)

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Detailed Analyst Forecast >