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
Strong Revenue And Operating MarginsRecent results show exceptional top-line expansion and very high operating margins. A 139.77% revenue increase alongside 94.8% gross and ~54% EBIT margins indicates scalable lending and payments economics that can sustain profitability as volumes grow and fixed costs dilute.
Diverse Product Mix And DistributionHumm's mix of consumer and commercial finance, POS/online payments and merchant/broker channels creates multiple origination sources. This diversification supports cross-selling, reduces concentration risk, and provides structural resilience to demand swings across retail and SME segments.
High Conversion Of Net Income To Free Cash Flow And Decent ROEAlthough headline FCF growth is negative, converting ~88% of net income into free cash flow and generating a mid-single-digit ROE implies underlying earnings quality. If operational trends stabilize, this conversion supports dividend capacity and reinvestment without immediate equity raises.
Bears Say
Very High Financial LeverageA debt-to-equity ratio of 9.3 and low equity ratio show the business is heavily reliant on borrowed funds. Structural dependence on debt amplifies sensitivity to funding cost increases, refinancing constraints and market stress, raising solvency risk if receivables or margins deteriorate.
Weak Operational Cash GenerationA -245% FCF growth and an operating cash to net income ratio of 0.037 indicate earnings are not translating into cash. For a lender, persistent weak cash generation increases reliance on external funding, elevates liquidity and refinancing risk over the coming months.
Low Net Margin And Credit/funding SensitivityDespite high gross margins, a net margin near 6% suggests significant operating costs, provisions or funding expense. Profitability is therefore sensitive to credit losses, borrower repayment behavior and funding spreads — structural drivers that can compress earnings under stress.
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 83 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 ―
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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