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Humm Group Limited
(Sydney:HUM)
Humm Group Limited (HUM) vs. iShares MSCI Australia ETF (EWA)
Humm Group Limited Business Overview & Revenue Model
Humm Group Limited Financial Statement Overview
| 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
Humm Group Limited Peers Comparison
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$298.41M | 4.67 | 8.73% | 7.73% | -4.26% | 89.71% | |
64 Neutral | AU$150.33M | 6.29 | 72.15% | ― | 19.38% | ― | |
56 Neutral | AU$330.01M | 6.25 | 7.83% | 2.84% | 7.64% | 463.49% | |
55 Neutral | AU$2.06B | 20.16 | 15.91% | ― | 23.69% | 116.67% | |
43 Neutral | AU$43.08M | -2.58 | -19.44% | ― | -2.35% | 13.33% | |
43 Neutral | AU$71.51M | -1.10 | -43.76% | ― | -9.56% | -392.31% |
Humm Group Limited Corporate Events
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 meeting, which is being conducted on an in-person-only basis, is now scheduled to resume on 1 May 2026 at the offices of Thomson Geer in Sydney, extending the timeline for shareholders to consider the matters before the EGM and signalling ongoing regulatory scrutiny over the company’s governance processes.
The revised timetable and venue underscore the influence of the Takeovers Panel’s intervention on Humm Group’s corporate actions, potentially affecting how and when key strategic or control-related decisions are made. Shareholders are advised to seek their own guidance regarding attendance as the company navigates this prolonged process, which may have implications for stakeholder engagement and the pace of any proposed changes requiring shareholder approval.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.71 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 governance commitments previously made to the Australian Takeovers Panel and forms part of the company’s broader governance enhancement program.
Demasi, who became CEO in May 2025 after joining the company in early 2024, has led a strategic refresh, operational turnaround and the launch of new consumer point-of-sale finance products. Chair Robert Hines and Demasi highlighted that his expanded role is expected to support hummgroup’s ongoing transformation, reinforce governance standards and underpin the group’s growth strategy and long-term value creation for shareholders and other stakeholders.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.71 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 Group Limited. The Panel previously accepted an undertaking from Humm addressing insider participation and conflict‑management issues and is now considering wider matters including disclosure around the Credit Corp proposal, share acquisitions by director Andrew Abercrombie after that disclosure, and procedural aspects of the application.
To preserve the status quo while these issues are reviewed, the Panel has directed that a shareholder meeting convened by activist investors Jeremy Raper and Collins St Value Fund be further adjourned to a date between 20 April and 4 May 2026, with Humm required to issue a new notice of meeting in a form acceptable to the Panel. The orders, which ensure existing proxy arrangements remain effective for the resumed meeting, extend the period of uncertainty around Humm’s governance and any potential change of control, but aim to protect shareholder decision‑making integrity until the Panel concludes its proceedings.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.72 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 diligence data room has already been populated and the deed is believed to be in settled form, with execution expected in the coming days before access is granted to Credit Corp’s representatives.
The update follows a series of intensive exchanges between the parties’ advisers since late February, undertaken under voluntary undertakings provided by Humm to the Takeovers Panel. The company has told shareholders they do not need to take any action at this stage and has committed to continue updating the market in line with its continuous disclosure obligations and its undertakings to the Panel.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.72 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 Reinvestment Plan (DRP) price, calculated using the five‑day volume‑weighted average price to 5 March 2026, while record and ex‑dates remain unchanged.
The dividend pertains to the half‑year reporting period, with an ex‑date of 19 February 2026 and a record date of 20 February 2026, reaffirming Humm’s commitment to returning value to shareholders. By clarifying the DRP pricing methodology and timing, the company provides greater transparency for investors considering reinvestment options and aligns the payout terms with prevailing market valuations over the specified VWAP period.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.75 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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-conflicted, non-executive directors Andrew Darbyshire, Teresa Fleming and Robert Hines, with founder Andrew Abercrombie excluded in line with undertakings given to the Takeovers Panel.
The IBC has adopted a dedicated charter setting out governance arrangements, scope, protocols and terms of reference acceptable to the Takeovers Panel, underscoring a heightened focus on independence and regulatory compliance. This structure is intended to ensure that any potential transaction, including a possible deal with Credit Corp, is evaluated transparently and in the interests of shareholders and other stakeholders.
By formalising the IBC and its charter, Hummgroup signals that it is actively engaging with strategic approaches that could reshape its ownership or asset mix. The process may influence the company’s strategic direction in the competitive financial services market, as it weighs Credit Corp’s interest against any alternative proposals that could deliver better outcomes.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.75 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 in the company. The committee is intended to mitigate actual or perceived conflicts of interest involving director Andrew Abercrombie in relation to the takeover approach.
While maintaining that its previous handling of the Credit Corp proposal was undertaken in good faith and aligned with market practice, the hummgroup board acknowledged the complexity of the situation and the Panel’s concerns. By offering voluntary undertakings to create the independent board committee, which the Panel has accepted, the company aims to reassure shareholders and will continue to provide updates under its continuous disclosure obligations.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.75 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 doing so, the Panel decided it was not necessary to declare unacceptable circumstances or impose orders on these specific issues.
Under the undertaking, Humm will form an independent board committee of non-conflicted non-executive directors, excluding director Andrew Abercrombie, to evaluate the Credit Corp proposal and any competing bids. The company will also appoint its CEO to the board, recruit an additional independent director to chair the committee, provide Credit Corp with due diligence access once a non-disclosure agreement is signed, and give the market periodic updates if NDA talks drag on.
The Panel signalled that while major shareholders may exercise their rights freely, the circumstances around the Credit Corp proposal and Abercrombie’s association with Humm’s largest shareholder created at least a perceived conflict that had not been properly assessed by the board. It also found that recent governance steps, including the appointment of a new chair, did not sufficiently resolve these concerns, prompting the strengthened independence arrangements now agreed by Humm.
Proceedings remain ongoing as the Panel continues to examine other matters, including Humm’s disclosure of the Credit Corp approach, Abercrombie’s share purchases immediately after that disclosure, and procedural issues raised in the application. No findings have yet been made on these remaining issues, leaving potential implications for governance practices and shareholder oversight still to be determined.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.70 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 weighed on results. The company is shifting to statutory accounting as its primary reporting basis to improve transparency and comparability, while maintaining a net interest margin of 5.5%, assets under management of $5.4 billion and a fully franked interim dividend of 1.5 cents per share.
Commercial assets under management grew 5.7% amid SME headwinds, with net credit losses expected to ease in the second half, while the consumer division delivered a strong profit rebound, led by robust growth in New Zealand cards and accelerating momentum in Ireland and the UK. Humm is investing in technology and product improvements, including a recovering humm loan offering and a cards platform re‑platform in Australia, and closed the half with strengthened funding, $0.7 billion of undrawn capacity and higher net tangible assets per share, positioning it to support near-term growth and absorb potential obligations such as the Forum Finance litigation outcome.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.79 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 constitute financial advice or an offer of securities, and that any investment decisions should be made with independent professional guidance.
The release also underscores the inherent risks and uncertainties in any forward-looking information and stresses that past performance is not indicative of future results. Humm Group highlights jurisdictional restrictions on distribution of its materials, particularly in the United States, and reiterates that its securities are not registered under U.S. securities laws, reinforcing compliance and risk awareness for potential investors.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.79 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 tangible assets per security eased to 83 cents from 84 cents, indicating modest balance sheet pressure.
Despite the profit contraction, the board declared a fully franked interim dividend of 1.50 cents per share for 2026, up from the prior interim payout of 1.25 cents, with payment scheduled for 26 March 2026. Shareholders will be able to participate in the dividend reinvestment plan for this interim distribution, signaling ongoing capital management efforts and a continued focus on returning value to investors.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.79 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 and store cards in its core markets. The company announced it will release its financial results for the half year ended 31 December 2025 on 11 February 2026, accompanied by a webcast briefing for investors and other interested parties hosted by Chief Executive Angelo Demasi and Interim Chief Financial Officer Tony Taylor, underscoring ongoing engagement with the market on its performance and outlook.
The scheduled half-year results announcement and webcast are intended to give stakeholders timely visibility into hummgroup’s financial health and operational trajectory. By providing direct access to senior leadership through the live briefing, the group signals a focus on transparency and maintaining investor confidence amid competitive pressures in the financial services and instalment payments sector.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.79 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 Group of Companies. The court found Flexirent Capital, a wholly owned humm subsidiary, and humm liable for breach of warranty in 2018 receivables arrangements involving purported Veolia contracts, awarding SMBC expectation-loss damages of about $19 million, but dismissed all claims relating to larger 2020 arrangements entered into directly between SMBC and Forum Enviro, finding Flexirent was unaware of the fraud and not responsible for SMBC’s subsequent losses. Humm had previously provisioned for the Forum exposure and is now assessing the final financial impact of the ruling relative to its existing provisions, while also considering the potential release of a separate regulatory provision given no related regulatory exposure has emerged, with final court orders and cost allocations still to be determined.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.79 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 on Humm’s handling of a non-binding indicative takeover proposal from Credit Corp Group Limited for 100% of Humm’s shares, and follows an earlier, now-withdrawn indicative bid from The Abercrombie Group Pty Ltd, an entity linked to Humm chair Andrew Abercrombie, whose associates recently lifted his relevant interest in the company to 29.19% through on‑market share purchases. Akat alleges unacceptable circumstances including delayed and incomplete disclosure of Credit Corp’s proposal, failure to grant due diligence over two months after receipt of a bona fide offer, perceived conflicts arising from Humm using a law firm that also advised the Abercrombie-linked bidder, and the absence of an independent board committee to assess the Credit Corp approach, all while a shareholder-led push is under way to remove several directors and appoint new ones at a 19 February 2026 extraordinary general meeting. The applicant is seeking interim and final orders that would strip voting rights from shares acquired by Abercrombie‑associated entities in mid‑December 2025 while the Credit Corp proposal remains live, compel Humm to provide due diligence to Credit Corp on terms equivalent to those given to the Abercrombie vehicle, require the establishment of an independent board committee and structured engagement process, and force corrective disclosure; the Takeovers Panel has yet to decide whether it will commence formal proceedings or rule on the requested remedies, leaving governance and control at Humm in a state of heightened uncertainty for shareholders and other stakeholders.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.81 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 new headquarters location that may streamline corporate operations and stakeholder engagement, but does not signal any change to the company’s existing financial services activities or geographic footprint across its core markets.
The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.81 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
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 to remove three current directors and install two of their own nominees. In a detailed response, the existing board has unanimously urged shareholders to vote against all proposed resolutions, arguing that its current strategy has delivered strong returns, that the activists’ plan is reckless and based on misleading claims, and that replacing directors would jeopardise the company’s capital strength, lender relationships, governance standards and long-term value creation for all shareholders.
The most recent analyst rating on (AU:HUM) stock is a Buy with a A$0.87 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
Humm Group Limited has disclosed that director Andrew Abercrombie, through his associated entities The Abercrombie Group Pty Ltd as trustee for the Philadelphia Trust and Tefig Pty Ltd as trustee for the AJ Abercrombie Superannuation Fund, has increased his indirect holding in the company. Over three on-market purchases conducted between 17 and 19 December 2025, Abercrombie acquired a total of 15 million ordinary shares for approximately A$10.94 million, lifting the Philadelphia Trust’s stake to 105,955,600 shares while the superannuation fund’s holding remains at 40 million shares. The sizeable on-market investment signals strengthened commitment by a key director and substantial shareholder, and may be interpreted by investors as a vote of confidence in Humm Group’s valuation and strategic direction.
The most recent analyst rating on (AU:HUM) stock is a Buy with a A$0.87 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
Humm Group Limited has disclosed that a group of shareholders holding at least 5% of its voting stock has convened a general meeting for 19 February 2026 to vote on a board shake-up, including the election of two new directors and the removal of three of the four current directors. The company’s board has stated it does not support the proposed resolutions, will recommend that investors vote against all changes, and is preparing a detailed response outlining its rationale, signalling a developing governance dispute that shareholders will need to assess ahead of the meeting.
The most recent analyst rating on (AU:HUM) stock is a Buy with a A$0.87 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.
Humm Group Limited has received a non-binding indicative proposal from Credit Corp Group Limited to acquire 100% of the company. The proposal, submitted on November 19, 2025, is conditional and seeks access to due diligence information, which has not yet been provided. There is no certainty that a transaction will occur, and Credit Corp will keep shareholders informed in line with its disclosure obligations.
The most recent analyst rating on (AU:HUM) stock is a Buy with a A$0.80 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.