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Humm Group Limited (HUM) Price & Analysis

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HUM Stock Chart & Stats

AU$0.64

-AU$0.03(-3.97%)

At close: Jan 09 4:00 PM EST

AU$0.64

-AU$0.03(-3.97%)

Day’s Range― - ―

52-Week RangeAU$0.37 - AU$0.78

Previous CloseN/A

Volume266.92K

Average Volume (3M)765.83K

Market Cap

AU$209.78M

Enterprise ValueAU$4.45B

Total Cash (Recent Filing)AU$246.80M

Total Debt (Recent Filing)AU$4.45B

Price to Earnings (P/E)13.3

Beta0.31

Next Earnings

Feb 23, 2027

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield4.88%

Share Statistics

EPS (TTM)0.03

Shares Outstanding511,715,400

10 Day Avg. Volume458,989

30 Day Avg. Volume765,830

Financial Highlights & Ratios

PEG Ratio-0.24

Price to Book (P/B)0.43

Price to Sales (P/S)0.37

P/FCF Ratio2.55

Enterprise Value/Market CapN/A

Enterprise Value/RevenueN/A

Enterprise Value/Gross ProfitN/A

Enterprise Value/EbitdaN/A

Forecast

1Y Price Target

AU$0.75

Price Target Upside17.19% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering2

EPS Forecast (FY)0.08

Revenue Forecast (FY)AU$477.50M

Bulls Say, Bears Say

Bulls Say

Improved Cash GenerationOperating and free cash flow turned positive in 2025–2026, with 2026 operating cash flow of $92M and free cash flow of $90.9M. This improves internal funding capacity and shows the lending platform can convert activity into cash, although prior volatility remains relevant.

Strong Operating ProfitabilityVery strong EBIT and EBITDA margins in 2025–2026 show that the core operating platform can generate substantial operating profit. That provides a base for absorbing costs, funding product investment, and supporting earnings recovery, even though thin net margins show that operating strength does not fully reach shareholders.

Multi-Channel Finance PlatformHumm combines point-of-sale and online financing with flexible instalment lending across Australia and New Zealand. Its merchant network, brands, and direct customer channels provide several routes to transaction volume and broaden the platform’s ability to serve recurring consumer-finance demand.

Bears Say

High LeverageDebt is very large relative to equity, with leverage reaching approximately 8.3x in 2026 and equity comparatively small against the asset base. This leaves limited protection if credit conditions deteriorate, constrains financial flexibility, and increases the importance of stable funding and receivable performance.

Inconsistent Revenue GrowthRevenue growth has not been sustained, shifting from approximately 7.6% growth in 2025 to a 3.4% decline in 2026. Inconsistent top-line performance can limit operating leverage, reduce visibility into demand, and make it harder for the company to build dependable earnings momentum.

Thin, Volatile Net ProfitabilityBottom-line profitability remains thin and uneven: net margin declined from approximately 5.9% to 2.5% in one year, and the company recorded a large loss in 2022. This weakens earnings quality, reduces resilience to credit or operating pressure, and limits consistent returns on equity.

Humm Group Limited News

Humm Group Sets 2026 AGM, Prioritises Digital Shareholder Engagement

An announcement from Humm Group Limited ( ($AU:HUM) ) is now available. Humm Group Limited has scheduled its...

4d ago

Humm Group Adjusts Capital Structure with Cessation of Performance Rights

An announcement from Humm Group Limited ( ($AU:HUM) ) is now available. Humm Group Limited has reported the...

10d ago

Humm Group Updates Director’s Equity Following Performance Rights Vesting

Humm Group Limited ( ($AU:HUM) ) has issued an announcement. Humm Group Limited has reported changes in director...

10d ago

Humm Group issues new shares to fund employee incentive plan

Humm Group Limited ( ($AU:HUM) ) just unveiled an update. Humm Group Limited has applied for quotation on...

15d ago

Humm Group issues 4.3m shares to fund employee incentive plan

The latest update is out from Humm Group Limited ( ($AU:HUM) ). Humm Group Limited has issued 4,337,730...

15d ago

Humm Group Seeks ASX Quotation for New Ordinary Shares

Humm Group Limited ( ($AU:HUM) ) has issued an announcement. Humm Group Limited has applied for quotation of...

16d ago

Humm Group Faces Legal Claim From Former CEO, Sees No Material Impact

Humm Group Limited ( ($AU:HUM) ) just unveiled an update. Humm Group Limited has disclosed that it has...

30d ago

Humm Group Updates DRP Pricing for FY2026 Interim Dividend

An announcement from Humm Group Limited ( ($AU:HUM) ) is now available. Humm Group Limited has updated its...

1M ago

Humm Group Sets Out Key 2026 Financial Calendar Dates

An update from Humm Group Limited ( ($AU:HUM) ) is now available. Humm Group Limited has released its...

2M ago

Hummgroup posts resilient FY26 profit as funding base and transformation deepen

Humm Group Limited ( ($AU:HUM) ) has provided an update. Hummgroup reported FY26 statutory profit after tax of...

2M ago

HUM FAQ

What was Humm Group Limited’s price range in the past 12 months?

Humm Group Limited lowest share price was AU$0.37 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$209.78M.

When is Humm Group Limited’s upcoming earnings report date?

Humm Group Limited’s upcoming earnings report date is Feb 23, 2027 which is in 124 days.

How were Humm Group Limited’s earnings last quarter?

Humm Group Limited released its earnings results on Aug 24, 2026. The company reported AU$0.022 earnings per share for the quarter.

Is Humm Group Limited overvalued?

According to Wall Street analysts Humm Group Limited’s price is currently Undervalued. Get more investment ideas with TipRanks Premium

Does Humm Group Limited pay dividends?

Humm Group Limited pays a Semiannually dividend of AU$0.005 which represents an annual dividend yield of 4.88%. 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 511,715,400 shares outstanding.

What happened to Humm Group Limited’s price movement after its last earnings report?

Humm Group Limited reported an EPS of AU$0.022 in its last earnings report. Following the earnings report the stock price went up 4.938%.

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

Fundamentals

Return on Equity

2.93%

Trailing 12-Months

Asset Growth

3.23%

Trailing 12-Months

Learn more about TipRanks Smart Score

Top Smart Score Stocks >

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.

Humm Group Limited (HUM) Earnings & Revenues

Historic Earnings Reports

HUM Stock 12 Month Forecast

Average Price Target

AU$0.75

▲(17.19% Upside)

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Detailed Analyst Forecast >