Humm Group Limited (DE:F5L)
FRANKFURT:F5L
F5L Stock Chart & Stats
€0.37
€0.00(0.00%)
At close: 4:00 PM EST
€0.37
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€0.23 - €0.44
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€193.64M
Enterprise Value€4.68B
Total Cash (Recent Filing)€365.10M
Total Debt (Recent Filing)€4.72B
Price to Earnings (P/E)6.2
Beta0.44
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
Shares Outstanding504,914,460
10 Day Avg. Volume0
30 Day Avg. Volume0
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
€0.52Price Target Upside40.54% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.06
Revenue Forecast (FY)€302.20M
Bulls Say, Bears Say
Bulls Say
Revenue GrowthA 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.
Operational MarginsExceptionally high gross and strong EBIT/EBITDA margins indicate highly profitable core financing operations and efficient cost structure. These margins create long-term capacity to absorb credit losses, invest in product development, and maintain competitive merchant economics.
Diversified Revenue ModelMultiple income streams—interest, merchant fees, customer fees and interchange/ancillary income—reduce reliance on a single revenue source. This structural diversity stabilizes cash flows, strengthens merchant relationships and supports resilience across economic cycles.
Bears Say
High LeverageA 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.
Weak Cash GenerationSeverely negative FCF growth and very low operating cash flow relative to net income indicate limited internal cash generation. This forces dependence on external funding or securitisation, increasing vulnerability to tightening credit markets and higher funding costs.
Low Net Profit MarginA 6.06% net margin versus very high gross margins points to substantial operating expenses, funding costs or credit provisioning. Persistently compressed net margins reduce retained earnings for growth and heighten sensitivity to higher credit losses or funding cost rises.
Humm Group Limited News
F5L FAQ
What was Humm Group Limited’s price range in the past 12 months?
Humm Group Limited lowest stock price was €0.23 and its highest was €0.44 in the past 12 months.
What is Humm Group Limited’s market cap?
Humm Group Limited’s market cap is €193.64M.
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 143 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 does not currently pay dividends.
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 504,914,460 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 DE:F5L
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
€0.52 (40.54% Upside)
€0.52 (40.54% Upside)
Blogger Sentiment
Bullish
DE:F5L Sentiment 94%
Sector Average ―
Sector Average ―
Technicals
SMA
Positive
20 days / 200 days
Momentum
-28.92%
12-Months-Change
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.
F5L Stock 12 Month Forecast
Average Price Target
€0.52
▲(40.54% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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