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Humm Group Limited (AU:HUM)
ASX:HUM
HUM Stock Chart & Stats
AU$0.70
-AU$0.03(-3.97%)
At close: 4:00 PM EST
AU$0.70
-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$355.01M
Enterprise ValueAU$4.70B
Total Cash (Recent Filing)AU$323.30M
Total Debt (Recent Filing)AU$4.68B
Price to Earnings (P/E)12.8
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$0.85Price Target Upside22.00% 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 Revenue GrowthA 139.77% revenue increase signals meaningful expansion of originations and customer adoption of humm's credit products. Sustained top-line growth supports scale advantages in merchant distribution, increases interest and fee income, and provides a longer-term base to improve operating leverage and product investment.
High Gross And Operating MarginsExceptionally high gross and robust EBIT/EBITDA margins indicate strong unit economics in humm's financing and servicing model. Durable margin strength suggests the business can absorb funding cost variability, support reinvestment in merchant acquisition, and maintain profitability through cycles if credit losses remain controlled.
Diversified Consumer Finance Revenue MixA multi‑stream revenue model (interest, merchant fees, customer fees, interchange/ancillary income) reduces reliance on any single line and deepens merchant relationships. This structural diversity enhances resilience to product-specific shocks and helps sustain cash flow across different merchant and consumer environments.
Bears Say
Very High LeverageA debt-to-equity ratio of 9.30 indicates heavy reliance on external funding. In a credit-originating business, high leverage amplifies refinancing and interest-rate risk, limits strategic flexibility, and increases vulnerability to credit stress; this structural funding risk can materially pressure long-term stability.
Weak Cash GenerationDeeply negative FCF growth and very low operating cash conversion show reported earnings are not translating into reliable cash. That constrains the company's ability to reduce leverage, finance growth internally, or absorb credit losses, making ongoing operations more dependent on costly external capital.
Low Net Profit MarginA low net margin while gross margin is exceptionally high implies material funding costs, credit losses, or operating expenses erode profitability. Persistently thin net margins limit retained earnings for growth or deleveraging and reduce the firm's cushion against cyclical downturns or increased competitive pricing pressure.
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$355.01M.
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 188 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$0.85 (22.00% Upside)
AU$0.85 (22.00% Upside)
Blogger Sentiment
Bullish
AU:HUM Sentiment 95%
Sector Average 71%
Sector Average 71%
Insider Transactions
Bought Shares
Worth €6.5M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
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$0.85
▲(22.00% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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