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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
AU$330.01M
Enterprise ValueAU$4.68B
Total Cash (Recent Filing)AU$365.10M
Total Debt (Recent Filing)AU$4.72B
Price to Earnings (P/E)6.2
Beta0.72
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
AU$0.84Price Target Upside27.23% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.1
Revenue Forecast (FY)AU$501.50M
Bulls Say, Bears Say
Bulls Say
Rapid Revenue GrowthSustained revenue growth of ~140% indicates meaningful scale expansion in core consumer finance volumes and merchant flows. Over 2-6 months this supports higher interest and fee income, stronger merchant leverage, and provides runway for reinvestment in originations and platform scale.
High Operational MarginsExceptionally high gross and operating margins reflect a scalable cost structure and efficient servicing model. These durable margins can absorb credit volatility and fund product development or distribution growth, supporting profitability over multiple quarters if credit stays manageable.
Diversified Consumer-finance Revenue ModelA multi-channel revenue mix—interest income, merchant fees, customer fees and ancillary payment income—reduces reliance on any single stream. Structurally this broad exposure to both merchant partners and direct finance improves resilience and helps stabilize earnings across retail cycles.
Bears Say
Very High LeverageA debt-to-equity ratio near 9x indicates heavy reliance on external funding. Over several months this elevates refinancing and interest-rate sensitivity, constrains strategic flexibility, and increases the company's vulnerability to funding market disruptions or profit compression from higher financing costs.
Weak Cash GenerationDeeply negative FCF growth and minimal operating cash conversion show earnings are not translating into reliable cash. This structural cash shortfall can limit capacity to reduce leverage, invest in partnerships, or underwrite growth without raising external capital over the medium term.
Low Net Profitability After CostsDespite strong gross and EBIT margins, a low net margin implies material funding costs, credit losses or overhead that erode final profitability. Persistently thin net margins reduce retained earnings availability for balance-sheet repair and long-term capital accumulation.
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$330.01M.
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 165 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:
AU$0.84 (27.23% Upside)
AU$0.84 (27.23% Upside)
Blogger Sentiment
Bullish
AU:HUM Sentiment 95%
Sector Average 69%
Sector Average 69%
Insider Transactions
Bought Shares
Worth €6.7M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
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$0.84
▲(27.23% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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