Humm Group Limited (DE:F5L)
FRANKFURT:F5L
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€0.23 - €0.44
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€170.60M
Enterprise Value€4.65B
Total Cash (Recent Filing)€365.10M
Total Debt (Recent Filing)€4.72B
Price to Earnings (P/E)10.5
Beta0.42
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
€0.52Price Target Upside36.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.05
Revenue Forecast (FY)€306.58M
Bulls Say, Bears Say
Bulls Say
Strong Revenue GrowthSustained revenue expansion (+139.77%) indicates meaningful scale-up of originations and merchant adoption. Over 2-6 months this supports a larger fee and interest base, improves unit economics as fixed costs spread, and creates a platform to cross-sell higher‑margin products.
High Gross And Operating MarginsExceptionally high gross margins and strong EBIT/EBITDA margins reflect low direct costs and operating leverage in the business model. These durable margin drivers allow reinvestment in distribution, absorb credit losses, and support long-term profitability if scale persists.
Diversified Consumer And Commercial Finance ModelA multi-product platform (BNPL-style, installment, equipment and asset finance) distributed through merchants and brokers reduces concentration risk and creates multiple revenue streams. This structural diversification supports resilience and longer-term growth opportunities.
Bears Say
Very High LeverageA debt-to-equity ratio of 9.30 shows heavy reliance on borrowed funding. This structural leverage raises refinancing and interest-rate exposure, limits balance sheet flexibility, and increases vulnerability to funding market stress over the medium term.
Weak Operating Cash ConversionVery negative free cash flow growth and an operating-cash-to-net-income ratio near zero imply the business struggles to convert accounting profits into cash. Persistently weak cash conversion can constrain funding for originations and increase reliance on external debt.
Low Net Profit Margin Despite High Gross MarginsA modest 6.06% net margin when gross and EBIT margins are high suggests structural drains: funding costs, credit losses, or overhead. Over time this limits retained earnings, capital accumulation and the firm's ability to self-fund growth without higher leverage.
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 €170.60M.
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 77 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:
€0.52 (36.82% Upside)
€0.52 (36.82% Upside)
Blogger Sentiment
Bullish
DE:F5L Sentiment 96%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-28.92%
12-Months-Change
Fundamentals
Return on Equity
5.04%
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
€0.52
▲(36.82% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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