F5L Stock Chart & Stats
€0.38
€0.00(0.00%)
At close: 4:00 PM EST
€0.38
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€0.26 - €0.44
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€144.11M
Enterprise Value€4.65K
Total Cash (Recent Filing)€365.10M
Total Debt (Recent Filing)€4.72B
Price to Earnings (P/E)8.5
Beta0.46
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.06
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)0.41
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
€0.49Price Target Upside28.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.06
Revenue Forecast (FY)€209.77M
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthA 139.77% revenue increase signals durable expansion of originations and merchant adoption. Sustained top-line growth supports scale benefits, larger receivables pools and improved coverage of fixed costs, enabling reinvestment in product distribution and technology over months.
High Operating MarginsExceptionally high gross and operating margins imply the core lending and payments platform is capital-efficient. Robust margins provide ongoing capacity to fund growth, absorb credit losses, and invest in underwriting and merchant partnerships without immediate reliance on external capital.
Diversified Finance Business ModelA multi-product, multi-channel model across consumer BNPL, longer-term instalments and commercial asset finance spreads revenue risk and creates cross-sell paths. This structural diversity supports steadier originations and resilience if one distribution channel or product segment softens.
Bears Say
High LeverageA debt-to-equity ratio of 9.30 means the business is highly dependent on borrowed funds. That amplifies refinancing and interest-rate risk, limits strategic flexibility, and can pressure liquidity if receivables or funding markets deteriorate over the medium term.
Weak Cash Generation TrendsSteep negative FCF growth and a very low operating cashflow-to-net-income ratio show difficulty converting earnings to cash. That raises reliance on external funding to support receivables growth and makes the business vulnerable to tighter credit conditions or higher funding costs.
Low Net Profitability After CostsA low net margin versus strong operating margins suggests material non-operating expenses (likely interest) or provisioning. This compresses retained earnings, limits capital build-up for growth, and makes earnings sensitive to funding costs and credit loss increases over time.
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 €0.26 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 €144.11M.
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 36 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
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
€0.49 (28.36% Upside)
€0.49 (28.36% Upside)
Blogger Sentiment
Bullish
DE:F5L Sentiment 96%
Sector Average 63%
Sector Average 63%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-28.92%
12-Months-Change
Fundamentals
Return on Equity
4.62%
Trailing 12-Months
Asset Growth
-3.31%
Trailing 12-Months
Company Description
Humm Group Limited
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 company's operations are divided into four key segments: Buy Now, Pay Later (BNPL), New Zealand Cards, Australia Cards, and Commercial & Leasing. Humm Group offers a broad portfolio of financial products, including the 'bundll' brand for its buy now, pay later solution, and 'humm', an interest-free payment platform with flexible repayment options. They also provide long-term interest-free finance and everyday spending solutions under the 'humm90' brand, as well as the 'Q Mastercard', an interest-free credit card. For small to medium-sized businesses, the company provides 'humm pro', a BNPL solution, and 'FlexiCommercial', which offers business financing, leasing arrangements, and chattel mortgages, alongside general leasing and SME financing services.
F5L Stock 12 Month Forecast
Average Price Target
€0.49
▲(28.36% Upside)
Technical Analysis
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