Humm Group Limited (AU:HUM)
ASX:HUM
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Humm Group Limited
(Sydney:HUM)
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Rating:56Neutral
Price Target:
AU$0.69
▲(7.81% Upside)
Action:Reiterated
Date: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 very large reported revenue increase indicates growing origination volumes and stronger merchant/borrower adoption. Sustained top-line expansion supports scale benefits for interest and fee income, helping stabilize long-term servicing economics and platform investment capacity.
Negative Factors
High Leverage
Very high leverage materially increases refinancing, interest-rate and liquidity risk. Dependence on debt funding reduces balance sheet flexibility, amplifies capital strain if receivables deteriorate, and raises the probability of covenant or funding stress in adverse markets.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
A very large reported revenue increase indicates growing origination volumes and stronger merchant/borrower adoption. Sustained top-line expansion supports scale benefits for interest and fee income, helping stabilize long-term servicing economics and platform investment capacity.
Read all positive factors
Humm Group Limited (HUM) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$277.67M
Dividend Yield2.84%
Average Volume (3M)1.22M
Price to Earnings (P/E)10.6
Beta (1Y)0.51
Revenue GrowthN/A
EPS Growth-18.89%
CountryAU
Employees570
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.06
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)0.41
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
AU$0.85Price Target Upside32.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.09
Revenue Forecast (FY)AU$501.50M
Humm Group Limited Business Overview & Revenue Model
Company Description
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 comp...
How the Company Makes Money
Humm Group Limited generates revenue primarily from lending and payments-related income across its consumer and commercial finance products. Key revenue streams typically include: (1) Net interest income earned on receivables from customers and bu...
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 | 656.60M | 666.60M | 619.30M | 510.40M | 440.40M | 444.40M |
| Gross Profit | 590.60M | 595.60M | 548.70M | 434.90M | 335.00M | 361.00M |
| EBITDA | 344.20M | 370.10M | 308.80M | 189.90M | -63.20M | 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
0.64
Price Trends
0.62
Negative
0.66
Negative
0.65
Negative
Market Momentum
-0.02
Positive
34.35
Neutral
38.10
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 0.64 is above the 20-day moving average (MA) of 0.60, above the 50-day MA of 0.62, and below the 200-day MA of 0.65, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 34.35 is Neutral, neither overbought nor oversold. The STOCH value of 38.10 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$272.91M | 8.69 | 9.32% | 7.73% | -8.03% | 65.07% | |
56 Neutral | AU$277.67M | 10.61 | 5.04% | 2.84% | ― | -18.89% | |
56 Neutral | AU$130.44M | 9.75 | 20.23% | ― | 20.39% | -42.91% | |
52 Neutral | AU$3.05B | 29.42 | 15.91% | ― | 28.84% | ― | |
43 Neutral | AU$33.48M | -3.12 | -26.13% | ― | 7.47% | 5.97% | |
43 Neutral | AU$65.02M | -1.30 | -43.76% | ― | 17.04% | -121.43% |
* Financial Sector Average
AU:HUM
Humm Group Limited
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0.13
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Humm Group Limited Corporate Events
Humm Group Tightens Governance With New Securities Trading Policy
Jun 4, 2026
Humm Group Limited has formalised a comprehensive Securities Trading Policy that governs when directors, officers, employees, consultants, contractors and their connected persons may trade in the company’s securities. The policy defines key ...
Humm Group investors reject director removal bids at EGM
May 13, 2026
Humm Group Limited has released the voting outcomes from its Extraordinary General Meeting held on 13 May 2026, where four director-related resolutions were withdrawn and not put to shareholders. Of the remaining resolutions, shareholders voted ag...
Humm Group Tightens Governance With New Securities Trading Policy
May 12, 2026
Humm Group Limited has introduced a detailed securities trading policy that governs how directors, senior management, employees, contractors, and connected persons may deal in the company’s securities. The policy defines key terms, sets appr...
humm Group settles SMBC fraud-related case with AU$22.5m payout
May 12, 2026
humm Group has confirmed the conclusion of Federal Court proceedings brought by SMBC Leasing and Finance against its subsidiary Flexirent Capital and the parent company, stemming from a fraud orchestrated by Bill Papas and the Forum Group involvin...
Humm Group drawn into High Court challenge to Takeovers Panel ruling
May 7, 2026
Humm Group Limited has been named as the third defendant in High Court proceedings brought by director Andrew Abercrombie and his associated entity, The Abercrombie Group, challenging a recent Takeovers Panel decision. The case centers on a Decemb...
Humm Board Deems Credit Corp’s $0.77 Bid ‘Not Compelling’ as Key Shareholder Signals Opposition
May 1, 2026
Humm Group’s Independent Board Committee has reiterated that Credit Corp Group’s non-binding indicative proposal to acquire 100% of Humm at $0.77 per share is not considered compelling, although it is sufficient to justify continuing e...
Humm Group further delays EGM under Takeovers Panel orders
Apr 29, 2026
Humm Group Limited has provided an update on its extraordinary general meeting, which has been affected by further orders from the Takeovers Panel. The company’s adjourned shareholder meeting, initially due to resume on 1 May 2026, will now ...
Takeovers Panel Reshapes Orders in Humm Group Dispute, Limits TAG Voting Power
Apr 24, 2026
Australia’s Takeovers Panel review body has overturned earlier orders relating to Humm Group Limited, replacing a requirement for The Abercrombie Group to sell shares with a restriction on voting rights over 15 million Humm shares for about ...
Humm Group Rebuked by Takeovers Panel Over Governance Undertaking
Apr 23, 2026
The Takeovers Panel has outlined concerns over Humm Group Limited’s compliance with an undertaking related to insider participation and conflict management, given in response to an application by Akat Investments Pty Ltd about control of the...
Takeovers Panel Upholds Unacceptable Circumstances Ruling on Humm Group
Apr 17, 2026
Australia’s Takeovers Panel review body has affirmed, with minor variations, an earlier declaration of unacceptable circumstances relating to Humm Group Limited, an ASX-listed financial services firm controlled in part by founder and chair A...
Humm Group Issues Supplementary Disclosure and New Proxy Details Ahead of Resumed EGM
Apr 17, 2026
Humm Group Limited has issued a supplementary disclosure to the existing notice for its Extraordinary General Meeting, which was originally convened in February and is now scheduled to resume on 1 May 2026 in Sydney. The company has made the updat...
Humm Group Moves to Strengthen Board, Urges Shareholders to Reject Director-Removal Resolution
Apr 17, 2026
Humm Group has issued supplementary disclosure ahead of its adjourned general meeting, confirming the appointment of two independent non-executive directors, Teresa Dyson and Abigail Cheadle, effective 10 April 2026. The Board says these appointme...
Review Panel Stays Takeovers Panel Orders in Humm Group Case
Apr 14, 2026
The Takeovers Panel has received an application from major Humm Group shareholder Andrew Abercrombie seeking a review of earlier orders made in relation to Humm Group, following a prior declaration of unacceptable circumstances. The same review Pa...
Humm Group Adds Abigail Cheadle to Board With No Initial Shareholding
Apr 12, 2026
Humm Group Limited has appointed Abigail Cheadle as a director, effective 10 April 2026, marking a change in the composition of its board. According to the initial director’s interest notice lodged with the ASX, Cheadle holds no relevant int...
Takeovers Panel Orders Share Divestment and New Disclosures at Humm Group
Apr 10, 2026
Australia’s Takeovers Panel has issued final orders against Humm Group Limited following a finding of unacceptable circumstances surrounding its handling of a takeover approach from Credit Corp Group Limited. The Panel concluded Humm’s...
Humm Group Bolsters Board and Governance Following External Review
Apr 10, 2026
Humm Group has strengthened its board by appointing experienced governance specialists Abigail Cheadle and Teresa Dyson as independent non-executive directors, as part of a deliberate move to enhance how governance is structured and implemented. D...
Humm Group Sets New Date and Digital Focus for Delayed Extraordinary Meeting
Apr 1, 2026
Humm Group Limited has rescheduled its adjourned Extraordinary General Meeting to 1 May 2026 in Sydney, following prior delays linked to interim orders from the Takeovers Panel. The company is distributing the meeting notice and explanatory materi...
Humm Group Faces Major Board Shake-Up at Resumed Extraordinary Meeting
Apr 1, 2026
Humm Group Limited has called for the resumption of an extraordinary general meeting on 1 May 2026 in Sydney, following previous adjournments ordered by the Australian Takeovers Panel. The meeting will consider significant board changes, including...
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...
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.