Humm Group Limited (AU:HUM)
ASX:HUM
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HUM Stock Chart & Stats
AU$0.64
-AU$0.03(-3.97%)
At close: 4:00 PM EST
AU$0.64
-AU$0.03(-3.97%)
Day’s Range― - ―
52-Week RangeAU$0.43 - AU$0.78
Previous CloseN/A
Volume266.92K
Average Volume (3M)1.22M
Market Cap
AU$285.24M
Enterprise ValueAU$4.65B
Total Cash (Recent Filing)AU$365.10M
Total Debt (Recent Filing)AU$4.72B
Price to Earnings (P/E)10.6
Beta0.44
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.84%
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
Bulls Say, Bears Say
Bulls Say
Diversified Finance Products & ChannelsHumm’s mix of consumer BNPL-style, longer-term installment and commercial equipment finance sold through merchant and broker partners creates diversified, recurring revenue streams. That distribution breadth supports cross‑sell, reduces single-channel risk and helps scale originations over time.
Strong Revenue Growth And High Gross MarginVery strong top-line growth combined with an exceptionally high gross profit margin signals pricing power and low direct cost to originate and service transactions. These durable trends support operating leverage as the receivables book scales, improving long‑term earnings potential if expense and funding trends are managed.
Solid Earnings-to-cash Conversion MetricA free cash flow to net income ratio near parity indicates the company can convert a large portion of reported earnings into cash when operations normalize. For a receivables-led lender, this is a durable positive for funding coverage, debt servicing and reinvestment capacity once growth stabilizes.
Bears Say
High Financial LeverageVery high leverage materially increases refinancing, interest rate and liquidity risk for a receivables-focused lender. Heavy reliance on debt funding reduces financial flexibility, magnifies earnings volatility in downturns and makes the business sensitive to funding market conditions over the medium term.
Weak Recent Free Cash Flow PerformanceSharp negative FCF growth and very low operating cash flow relative to net income show current earnings are not translating into cash. This creates strain for a highly leveraged lender, raising dependence on external funding and limiting capacity to reduce debt or invest without improving cash generation.
Compressed Net Margin Despite High Gross MarginA wide gap between gross and net margins suggests significant funding costs, provisions, or operating expenses are eroding shareholder returns. Unless the company reduces funding costs or operating expenses, net profitability may remain constrained despite strong top-line and gross margin strength.
Humm Group Limited News
HUM FAQ
What was Humm Group Limited’s price range in the past 12 months?
Humm Group Limited lowest share price was AU$0.43 and its highest was AU$0.78 in the past 12 months.
What is Humm Group Limited’s market cap?
Humm Group Limited’s market cap is AU$285.24M.
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 82 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 pays a Semiannually dividend of AU$0.007 which represents an annual dividend yield of 2.84%. See more information on Humm Group Limited dividends here
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 AU:HUM
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:
AU$0.85 (32.81% Upside)
AU$0.85 (32.81% Upside)
Blogger Sentiment
Bullish
AU:HUM Sentiment 96%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Fundamentals
Return on Equity
5.04%
Trailing 12-Months
Asset Growth
-3.31%
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.
HUM Stock 12 Month Forecast
Average Price Target
AU$0.85
▲(32.81% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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