F5L Stock Chart & Stats
€0.38
€0.00(0.00%)
At close: 4:00 PM EST
€0.38
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€0.24 - €0.44
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€125.42M
Enterprise Value€4.65K
Total Cash (Recent Filing)€365.10M
Total Debt (Recent Filing)€4.72B
Price to Earnings (P/E)7.4
Beta0.51
Next Earnings
Feb 23, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.06
Shares Outstanding504,914,460
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)0.41
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
€0.49Price Target Upside28.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.05
Revenue Forecast (FY)€297.71M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthSustained triple-digit top-line growth indicates rapid expansion of receivables and stronger market traction across merchant channels. Over a 2–6 month horizon this momentum supports scale benefits, higher transaction volumes, and a larger recurrent revenue base if merchant adoption continues.
High Operating MarginsVery high gross and operating margins reflect a capital-light, high-margin servicing model and effective cost control. Durable margin structure means incremental revenue can convert strongly to operating profit, supporting reinvestment into merchant integrations and product development over the medium term.
Scalable BNPL Business ModelThe company’s merchant-centric BNPL model scales as partnerships expand: merchant fees and lending income grow with transaction volume. Structural consumer preference for instalments in Australia/NZ and deepening merchant integrations create network effects that support durable growth and repeat usage.
Bears Say
High LeverageExtremely high leverage raises refinancing and solvency risk and limits financial flexibility. Over the next several months, reliance on debt amplifies funding cost sensitivity and constrains the company’s ability to invest or absorb shocks without raising expensive capital or diluting equity.
Weak Cash GenerationVery weak free cash flow growth and poor cash conversion versus reported income indicate the business struggles to convert earnings into spendable cash. This structural cash shortfall increases dependence on external funding to finance receivables and debt service, limiting self-funded growth.
Low Net Profitability Vs CostsDespite strong gross margins, a low net margin signals significant funding costs, operating expenses, or provisions that erode returns. Moderate ROE versus very high leverage suggests returns may not sufficiently compensate equity holders for balance sheet risk over the medium term.
Humm Group Limited News
F5L FAQ
What was Humm Group Limited’s price range in the past 12 months?
Humm Group Limited lowest stock price was €0.24 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 €125.42M.
When is Humm Group Limited’s upcoming earnings report date?
Humm Group Limited’s upcoming earnings report date is Feb 23, 2027 which is in 182 days.
How were Humm Group Limited’s earnings last quarter?
Humm Group Limited released its earnings results on Aug 24, 2026. The company reported €0.002 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 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 504,914,460 shares outstanding.
What happened to Humm Group Limited’s price movement after its last earnings report?
Humm Group Limited reported an EPS of €0.002 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went same N/A.
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
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
€0.49 (28.67% Upside)
€0.49 (28.67% Upside)
Blogger Sentiment
Bullish
DE:F5L Sentiment 96%
Sector Average ―
Sector Average ―
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-28.92%
12-Months-Change
Fundamentals
Return on Equity
5.22%
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.
F5L Stock 12 Month Forecast
Average Price Target
€0.49
▲(28.67% Upside)
Technical Analysis
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