Humm Group Limited (AU:HUM)
ASX:HUM
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Humm Group Limited
(Sydney:HUM)
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Select Model
Rating:56Neutral
Price Target:
AU$0.69
▲(5.38% Upside)
Action:ReiteratedDate:11/01/25
The overall stock score is primarily influenced by financial performance and valuation. Strong revenue growth and operational efficiency are offset by high leverage and negative cash flow growth. The stock appears undervalued, but technical indicators suggest bearish momentum.
Positive Factors
Revenue Growth
A 139.77% revenue increase reflects durable demand expansion and successful distribution through merchant partners. Sustained top-line momentum supports scale economics, enhances bargaining power with retailers, and provides a platform to amortize fixed costs over higher volumes.
Negative Factors
High Leverage
A debt-to-equity ratio of 9.30 signals heavy reliance on borrowed funds, increasing refinancing and interest-rate risk. High leverage narrows financial flexibility, amplifies capital-cost sensitivity, and can constrain strategic investments during funding stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
A 139.77% revenue increase reflects durable demand expansion and successful distribution through merchant partners. Sustained top-line momentum supports scale economics, enhances bargaining power with retailers, and provides a platform to amortize fixed costs over higher volumes.
Read all positive factors
Humm Group Limited (HUM) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$328.16M
Dividend Yield2.84%
Average Volume (3M)1.22M
Price to Earnings (P/E)6.2
Beta (1Y)0.54
Revenue Growth7.64%
EPS Growth463.49%
CountryAU
Employees570
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
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)0.42
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$0.87Price Target Upside34.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.1
Revenue Forecast (FY)AU$501.50M
Humm Group Limited Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Humm Group makes money primarily by originating and servicing consumer credit products and earning income from those financings. Key revenue streams include: (1) Interest income and financing charges: revenue earned on interest-bearing instalment ...
Humm Group Limited Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
55
Neutral
Cash Flow
40
Negative
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 832.10M | 653.60M | 243.70M | 248.00M | 292.90M | 311.00M |
| Gross Profit | 767.10M | 619.60M | 243.70M | 248.00M | 292.90M | 311.00M |
| EBITDA | 352.70M | 370.10M | 315.90M | 197.70M | 169.60M | 181.90M |
| Net Income | 26.20M | 39.60M | 7.10M | 2.90M | -170.30M | 60.10M |
Balance Sheet | ||||||
| Total Assets | 5.36B | 5.34B | 5.42B | 4.77B | 3.77B | 3.30B |
| Cash, Cash Equivalents and Short-Term Investments | 365.10M | 323.30M | 281.20M | 336.10M | 281.00M | 218.20M |
| Total Debt | 4.72B | 4.68B | 4.72B | 4.08B | 3.04B | 2.43B |
| Total Liabilities | 4.82B | 4.84B | 4.84B | 4.20B | 3.14B | 2.54B |
| Stockholders Equity | 537.50M | 503.20M | 525.30M | 572.50M | 627.70M | 759.10M |
Cash Flow | ||||||
| Free Cash Flow | -3.30M | 157.70M | -697.50M | -900.70M | -544.20M | -139.70M |
| Operating Cash Flow | 17.50M | 179.00M | -682.50M | -882.70M | -520.90M | -110.60M |
| Investing Cash Flow | -20.80M | -21.30M | -13.50M | -18.00M | -14.80M | -31.30M |
| Financing Cash Flow | 70.00M | -115.20M | 640.90M | 952.90M | 600.90M | 203.40M |
Humm Group Limited Technical Analysis
Negative
0.65
Price Trends
0.69
Negative
0.67
Negative
0.63
Positive
Market Momentum
-0.01
Positive
45.11
Neutral
41.85
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:HUM, the sentiment is Negative. The current price of 0.65 is below the 20-day moving average (MA) of 0.67, below the 50-day MA of 0.69, and above the 200-day MA of 0.63, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 45.11 is Neutral, neither overbought nor oversold. The STOCH value of 41.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:HUM.
Humm Group Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | AU$304.07M | 4.67 | 9.32% | 7.73% | -4.26% | 89.71% | |
64 Neutral | AU$150.33M | 6.29 | 72.15% | ― | 19.38% | ― | |
56 Neutral | AU$328.16M | 6.25 | 7.83% | 2.84% | 7.64% | 463.49% | |
54 Neutral | AU$2.54B | 20.16 | 15.91% | ― | 23.69% | 116.67% | |
44 Neutral | AU$33.47M | -2.58 | -19.44% | ― | -2.35% | 13.33% | |
43 Neutral | AU$68.27M | -1.10 | -43.76% | ― | -9.56% | -392.31% |
* Financial Sector Average
AU:HUM
Humm Group Limited
0.65
0.16
31.85%
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64.88%
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Plenti Group Ltd.
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-0.04
-32.80%
Humm Group Limited Corporate Events
Humm Director Andrew Abercrombie Increases Stake via Dividend Reinvestment
Mar 31, 2026
Humm Group Limited has disclosed a change in director Andrew Abercrombie’s indirect interests following the latest dividend reinvestment plan. Through The Abercrombie Group Pty Ltd ATF the Philadelphia Trust and Tefig Pty Ltd ATF AJ Abercrom...
Humm Group Seeks ASX Quotation for New Dividend Plan Shares
Mar 26, 2026
Humm Group Limited has applied to the ASX for quotation of 4,841,475 new fully paid ordinary shares under a dividend or distribution plan, with the securities dated 26 March 2026. The issuance modestly increases the company’s share count and...
Humm Group Flags Takeovers Panel Review Bid by Major Shareholder
Mar 23, 2026
Humm Group Limited has acknowledged that the Takeovers Panel has received a review application from major shareholder Andrew Abercrombie, acting in a personal capacity, challenging the Panel’s earlier declaration of unacceptable circumstance...
Humm Group’s Independent Board Weighs Credit Corp Takeover Approach
Mar 22, 2026
Humm Group has formed an Independent Board Committee to assess an unsolicited, conditional and non‑binding proposal from Credit Corp Group to acquire up to 100% of the company’s shares. The committee, comprising independent non‑e...
Humm Group appoints new director Angelo Demasi with performance rights stake
Mar 20, 2026
Humm Group Limited has appointed Angelo Demasi as a director effective 13 March 2026, marking a change in the leadership structure of the consumer finance provider. Upon his appointment, Demasi holds 3,611,111 performance rights in the company, al...
Takeovers Panel Receives Review Bid Over Humm Group Ruling
Mar 20, 2026
The Takeovers Panel has received an application from major shareholder Andrew Abercrombie seeking a review of its earlier decision that found unacceptable circumstances in relation to Humm Group Limited. A review panel is yet to be appointed, and ...
Takeovers Panel raps Humm Group over misleading bid disclosures and chair’s share buys
Mar 17, 2026
Australia’s Takeovers Panel has declared unacceptable circumstances in relation to Humm Group’s handling of a conditional, non‑binding indicative takeover proposal from Credit Corp Group. The Panel said Humm’s December 2025...
Humm Group Pushes Back Extraordinary Meeting Under Takeovers Panel Orders
Mar 13, 2026
Humm Group has announced that its adjourned extraordinary general meeting, originally set to resume on 13 March 2026, will be briefly opened and then immediately adjourned again in line with further interim orders from the Takeovers Panel. The mee...
Humm Group Elevates CEO Angelo Demasi to Managing Director Role on Board
Mar 13, 2026
Humm Group Limited has appointed its Chief Executive Officer, Angelo Demasi, to the board as Managing Director, effective immediately, in a move designed to strengthen alignment between management and the board. The appointment also fulfills gover...
Takeovers Panel Orders Further Delay to Humm Group Shareholder Meeting Amid Control Dispute
Mar 11, 2026
Australia’s Takeovers Panel has issued further interim orders relating to Humm Group Limited, following an application from Akat Investments Pty Ltd concerning the company’s affairs and an indicative control proposal from Credit Corp G...
Humm Group Nears Confidentiality Deal With Credit Corp on Takeover Proposal
Mar 8, 2026
Humm Group has confirmed that it is close to finalising a confidentiality deed with Credit Corp Group, a key step in progressing Credit Corp’s confidential, conditional and non-binding proposal to acquire all shares in the company. The due d...
Humm Group Updates Half‑Year Dividend Details and DRP Pricing
Mar 6, 2026
Humm Group Limited has updated its previously announced dividend notification for the six‑month period ended 31 December 2025, relating to its ordinary fully paid shares. The update, dated 6 March 2026, reflects the inclusion of the Dividend...
Hummgroup Sets Up Independent Board Committee to Assess Credit Corp Proposal
Mar 5, 2026
Humm Group Limited has formed an Independent Board Committee (IBC) to assess a conditional, non-binding indicative proposal from Credit Corp Group and any competing or inconsistent proposals that may emerge. The committee is composed of non-confli...
Humm Group Forms Independent Board Committee to Review Credit Corp Takeover Proposal
Mar 1, 2026
Humm Group Limited has moved to establish an independent board committee after the Australian Takeovers Panel indicated such a body should have been formed to assess Credit Corp Group’s conditional, non-binding proposal to acquire all shares...
Humm Agrees Governance Undertakings as Panel Probes Credit Corp Bid
Feb 27, 2026
The Takeovers Panel has accepted a voluntary undertaking from Humm Group Limited in response to concerns over insider participation and conflicts of interest linked to Credit Corp Group’s indicative proposal to acquire control of Humm. By do...
Humm Group Posts Higher Half-Year Profit as Consumer Finance and NZ Cards Drive Recovery
Feb 10, 2026
Humm Group reported statutory profit after tax of $13.9 million for the half year to 31 December 2025, up 13% on the prior half but down sharply year on year, as higher credit losses from a maturing commercial book and legacy irregular items weigh...
Humm Group Issues Interim 1H26 Results With Investor Risk Warnings
Feb 10, 2026
Humm Group Limited has released its interim results for the half-year ended 31 December 2025, accompanied by a presentation outlining its performance and key disclosures. The company emphasises that the document is informational only, does not con...
Humm Group Profit Halves but Lifts Interim Dividend Amid Softer Revenue
Feb 10, 2026
Humm Group Limited reported a slight decline in half-year revenue to $326 million for the period ended 31 December 2025, down 3% from a year earlier, while net profit attributable to shareholders fell 49% to $13.9 million. The company’s net ...
Humm Group to Unveil 1H26 Results with Investor Webcast
Feb 10, 2026
Humm Group Limited, a diversified financial services provider of instalment plans, commercial lending and point-of-sale payment solutions across Australia, New Zealand, Ireland, Canada and the United Kingdom, also issues a range of branded credit ...
Humm Group Hit With $19m Court Damages in Forum Fraud Case but Escapes Larger SMBC Claim
Feb 3, 2026
Humm Group Limited has reported that the Federal Court of Australia has handed down judgment in a long-running dispute brought by SMBC Leasing and Finance over financing arrangements tied to a major fraud perpetrated by Bill Papas and the Forum Gr...
Humm Faces Takeovers Panel Application Over Handling of Credit Corp Bid and Chair’s Rising Stake
Jan 27, 2026
Humm Group Limited has become the focus of a Takeovers Panel application lodged by shareholder Akat Investments Pty Ltd, amid escalating tension around competing corporate control dynamics at the ASX-listed finance group. The application centres o...
Humm Group Shifts Registered Office to New Sydney CBD Headquarters
Jan 27, 2026
Humm Group Limited has relocated its registered office and principal place of business to Level 14, 255 Pitt Street in central Sydney, consolidating its corporate presence in one of the city’s key commercial districts. The move formalises a ...
Humm Board Urges Shareholders to Reject Activist-Led Director Shake-Up
Jan 13, 2026
Humm Group Limited is confronting a shareholder-led attempt to overhaul its board, with activist investors Jeremy Michael Kersten Raper and Sandhurst Trustees (as custodian for Collins St Value Fund) calling a general meeting on 19 February 2026 t...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.