Humm Group Limited (AU:HUM)
ASX:HUM
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Humm Group Limited (HUM) AI Stock Analysis

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AU:HUM

Humm Group Limited

(Sydney:HUM)

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Neutral 56 (OpenAI - 4o)
Rating:56Neutral
Price Target:
AU$0.50
▼(-16.67% Downside)
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.

Humm Group Limited (HUM) vs. iShares MSCI Australia ETF (EWA)

Humm Group Limited Business Overview & Revenue Model

Company DescriptionHumm Group Limited (HUM) is an Australian financial services company that specializes in providing flexible payment solutions and buy now, pay later services. Operating primarily in the fintech sector, Humm offers a range of products designed to facilitate consumer and business financing, including personal loans, retail financing, and point-of-sale credit options. The company services various markets, targeting both consumers and merchants with innovative financial solutions that enhance purchasing power and drive sales.
How the Company Makes MoneyHumm Group generates revenue primarily through interest and fees associated with its financing products. The company's core revenue streams include the interest charged on loans provided to consumers, as well as transaction fees collected from merchants who partner with Humm to offer financing options at the point of sale. Additionally, Humm may earn income from late fees and other ancillary services related to its financial offerings. Strategic partnerships with retailers and e-commerce platforms enhance Humm's reach and customer base, driving increased transaction volumes and ultimately contributing to its earnings.

Humm Group Limited Financial Statement Overview

Summary
Humm Group Limited demonstrates strong revenue growth and operational efficiency, with high gross profit and EBIT margins. However, high leverage and negative free cash flow growth pose risks to financial stability.
Income Statement
75
Positive
Humm Group Limited shows a strong revenue growth rate of 139.77% in the latest year, indicating a significant improvement in sales. The gross profit margin is exceptionally high at 94.80%, suggesting effective cost management. However, the net profit margin is relatively low at 6.06%, indicating potential inefficiencies or high expenses. The EBIT and EBITDA margins are robust at 53.79% and 56.62%, respectively, reflecting strong operational performance.
Balance Sheet
55
Neutral
The company has a high debt-to-equity ratio of 9.30, which indicates significant leverage and potential financial risk. Return on equity is moderate at 7.87%, showing decent profitability relative to shareholders' equity. The equity ratio is low, suggesting a high reliance on debt financing, which could pose risks in volatile market conditions.
Cash Flow
40
Negative
Free cash flow growth is negative at -245.48%, indicating challenges in generating cash from operations. The operating cash flow to net income ratio is low at 0.037, suggesting limited cash generation relative to net income. However, the free cash flow to net income ratio is relatively healthy at 0.88, indicating that a significant portion of net income is converted into free cash flow.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue653.60M653.60M243.70M248.00M292.90M311.00M
Gross Profit619.60M619.60M243.70M248.00M292.90M311.00M
EBITDA378.60M370.10M315.90M197.70M169.60M181.90M
Net Income39.60M39.60M7.10M2.90M-170.30M60.10M
Balance Sheet
Total Assets5.34B5.34B5.42B4.77B3.77B3.30B
Cash, Cash Equivalents and Short-Term Investments323.30M323.30M281.20M336.10M281.00M218.20M
Total Debt4.68B4.68B4.72B4.08B3.04B2.43B
Total Liabilities4.84B4.84B4.84B4.20B3.14B2.54B
Stockholders Equity503.20M503.20M525.30M572.50M627.70M759.10M
Cash Flow
Free Cash Flow157.70M157.70M-697.50M-900.70M-544.20M-139.70M
Operating Cash Flow179.00M179.00M-682.50M-882.70M-520.90M-110.60M
Investing Cash Flow-21.30M-21.30M-13.50M-18.00M-14.80M-31.30M
Financing Cash Flow-115.20M-115.20M640.90M952.90M600.90M203.40M

Humm Group Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.60
Price Trends
50DMA
0.64
Negative
100DMA
0.61
Negative
200DMA
0.57
Positive
Market Momentum
MACD
-0.01
Positive
RSI
42.28
Neutral
STOCH
31.67
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 0.6 is below the 20-day moving average (MA) of 0.62, below the 50-day MA of 0.64, and above the 200-day MA of 0.57, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 42.28 is Neutral, neither overbought nor oversold. The STOCH value of 31.67 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
AU$237.74M9.4495.31%19.38%
61
Neutral
AU$298.19M10.148.73%8.51%-4.26%89.71%
56
Neutral
€313.05M8.947.83%3.36%7.64%463.49%
53
Neutral
AU$4.98B62.0214.42%23.69%116.67%
42
Neutral
AU$47.85M-6.54-19.44%-2.35%13.33%
42
Neutral
AU$89.11M-1.32-42.59%-9.56%-392.31%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:HUM
Humm Group Limited
0.60
-0.17
-22.22%
AU:SVR
Money3 Corporation Limited
1.64
0.45
37.82%
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
AU:ZIP
Zip Co Ltd.
2.94
-0.34
-10.37%
AU:PLT
Plenti Group Ltd.
1.34
0.62
86.11%
AU:MME
MoneyMe Ltd.
0.12
0.00
0.00%

Humm Group Limited Corporate Events

Humm Group Limited Announces Cessation of Securities
Oct 14, 2025

Humm Group Limited announced the cessation of 1,680,237 performance rights due to unmet conditions, impacting its issued capital structure. This development may influence the company’s financial operations and stakeholder interests, as it reflects on the company’s ability to meet performance targets.

The most recent analyst rating on (AU:HUM) stock is a Buy 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 Announces 2025 Annual General Meeting
Oct 10, 2025

Humm Group Limited has announced its 2025 Annual General Meeting, scheduled for November 12, 2025, in Sydney. The meeting will provide shareholders with the opportunity to engage with the company’s directors and senior management. The company encourages shareholders to participate either in person or by proxy, with detailed instructions provided for online proxy voting. This meeting is a crucial event for stakeholders to discuss the company’s performance and future strategies.

The most recent analyst rating on (AU:HUM) stock is a Buy 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 Announces Quotation of New Securities
Oct 7, 2025

Humm Group Limited has announced the application for quotation of 551,644 ordinary fully paid securities on the Australian Securities Exchange (ASX), with the issue date set for October 7, 2025. This move is part of a dividend or distribution plan and could impact the company’s market presence by potentially increasing its capital base and investor interest.

The most recent analyst rating on (AU:HUM) stock is a Buy 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 Updates Dividend Reinvestment Plan Price
Sep 22, 2025

Humm Group Limited has announced an update to its Dividend Reinvestment Plan (DRP) price, which pertains to the dividend distribution for the six-month period ending on June 30, 2025. This update reflects changes made since the previous announcement on August 28, 2025, and is part of the company’s ongoing financial management and shareholder engagement strategy.

The most recent analyst rating on (AU:HUM) stock is a Buy 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 Engages with The Abercrombie Group on Acquisition Proposal
Sep 19, 2025

humm Group Limited is currently engaged in discussions with The Abercrombie Group regarding a non-binding indicative proposal for acquisition. The Abercrombie Group is still working through diligence matters and requires additional information from hummgroup to proceed. There is no certainty that these discussions will lead to a transaction for hummgroup shareholders, and no action is required from them at this time. The company will continue to update the market as per its disclosure obligations.

The most recent analyst rating on (AU:HUM) stock is a Buy 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 Announces New Dividend Distribution
Aug 28, 2025

Humm Group Limited has announced a new dividend distribution of AUD 0.0075 per share, applicable to its ordinary fully paid securities. The dividend relates to the six-month period ending June 30, 2025, with key dates including an ex-date of September 3, 2025, a record date of September 4, 2025, and a payment date of October 7, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders and may impact investor sentiment positively.

The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.50 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 Releases Corporate Governance Statement for FY 2025
Aug 28, 2025

Humm Group Limited has released its corporate governance statement for the financial year ending June 30, 2025, which has been approved by the board. The statement outlines the company’s adherence to the ASX Corporate Governance Council’s recommendations, highlighting its commitment to maintaining robust governance practices. This release serves as a key document for stakeholders to understand the company’s governance framework and its compliance with regulatory standards.

The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.50 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 Announces 2025 Financial Calendar
Aug 28, 2025

Humm Group Limited has announced its financial calendar for 2025, detailing key dates such as the release of full-year results, dividend-related dates, and the annual general meeting. This announcement provides stakeholders with important timelines for financial reporting and shareholder activities, which are crucial for investment planning and corporate governance.

The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.50 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 Reports Strong FY25 Financial Results Amid Strategic Transformations
Aug 28, 2025

Humm Group Limited reported a refined cash profit of $52.9 million for FY25, reflecting a strategic focus on cost reduction and profitable growth. The company experienced a 10% increase in assets under management, reaching $5.5 billion, and maintained a stable net interest margin. Despite challenges in the SME market, the commercial segment delivered stable profits, while the consumer business underwent transformational investments to enhance customer experience and profitability. The transition to a new regulated loan product in response to BNPL regulations impacted volumes, leading to a software impairment. The company declared a fully franked final dividend, providing a 4.8% return to shareholders.

The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.50 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 Releases FY25 Financial Results
Aug 28, 2025

Humm Group Limited’s recent announcement highlights the company’s financial results for FY25, emphasizing the general information provided about its operations. The release notes that the information is not comprehensive and advises investors to conduct independent assessments. The company also addresses the potential risks and uncertainties associated with forward-looking statements, underscoring the importance of cautious investment decisions.

The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.50 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 to Announce FY25 Financial Results
Aug 28, 2025

humm Group Limited announced it will release its financial results for the year ending June 30, 2025, on August 28, 2025. The announcement will be accompanied by a webcast hosted by the CEO and CFO, providing stakeholders with insights into the company’s financial performance and strategic positioning in the financial services industry.

The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.

Humm Group Reports Robust Financial Growth for FY2025
Aug 28, 2025

Humm Group Limited has reported a significant increase in its financial performance for the year ended 30 June 2025, with revenue rising by 8% to $666.6 million and net profit after tax surging by 458% to $39.6 million compared to the previous year. The company announced a final dividend of 0.75 cents per share, fully franked, with a record date of 4 September 2025 and payment scheduled for 7 October 2025. The dividend reinvestment plan will not be in operation for this dividend, indicating a strong cash position and confidence in future profitability.

The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.50 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 Appoints New CEO, Outlines Employment Terms
Aug 27, 2025

humm Group Limited has announced the appointment of Mr. Angelo Demasi as the new Chief Executive Officer, effective from May 9, 2025. The announcement includes details of Mr. Demasi’s employment agreement, which outlines his remuneration, short-term and long-term incentives, and termination terms. This leadership change is significant for the company as it may influence its strategic direction and operational focus, potentially impacting stakeholders and market positioning.

The most recent analyst rating on (AU:HUM) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Humm Group Limited stock, see the AU:HUM Stock Forecast page.

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.Date of analysis: Nov 01, 2025