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Humm Group Limited
(Sydney:HUM)
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Rating:54Neutral
Price Target:
AU$0.39
â–¼(-39.38% Downside)
Action:Reiterated
Date:08/26/26
The score is held back primarily by elevated balance-sheet leverage and weak price momentum (below key moving averages with negative MACD). Support comes from improved recent cash generation and an attractive valuation profile (low P/E and ~5.1% dividend yield).
Positive Factors
Improved Cash Generation
Operating 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.
Negative Factors
High Leverage
Debt 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Cash Generation
Operating 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.
Read all positive factors
Humm Group Limited (HUM) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$212.34M
Dividend Yield2.41%
Average Volume (3M)789.86K
Price to Earnings (P/E)13.1
Beta (1Y)0.29
Revenue Growth-4.83%
EPS Growth-55.49%
CountryAU
Employees529
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.03
Shares Outstanding511,715,400
10 Day Avg. Volume507,440
30 Day Avg. Volume789,858
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$0.75Price Target Upside17.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.08
Revenue Forecast (FY)AU$477.50M
Humm Group Limited Business Overview & Revenue Model
Company Description
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 comp...
How the Company Makes Money
Humm Group makes money by facilitating consumer purchases via instalment-based payment products offered through a network of merchants and direct customer channels. Its revenue model typically includes: (1) merchant-related revenue, where merchant...
Humm Group Limited Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
26
Negative
Cash Flow
41
Neutral
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 634.40M | 666.60M | 619.30M | 510.40M | 440.40M |
| Gross Profit | 572.40M | 595.60M | 548.70M | 434.90M | 335.00M |
| EBITDA | 318.40M | 370.10M | 308.80M | 189.90M | -63.20M |
| Net Income | 15.70M | 39.60M | 7.10M | 2.90M | -170.30M |
Balance Sheet | |||||
| Total Assets | 5.08B | 5.34B | 5.42B | 4.77B | 3.77B |
| Cash, Cash Equivalents and Short-Term Investments | 246.80M | 323.30M | 281.20M | 336.10M | 281.00M |
| Total Debt | 4.45B | 4.68B | 4.72B | 4.08B | 3.04B |
| Total Liabilities | 4.54B | 4.84B | 4.84B | 4.20B | 3.14B |
| Stockholders Equity | 535.50M | 503.20M | 525.30M | 572.50M | 627.70M |
Cash Flow | |||||
| Free Cash Flow | 90.90M | 157.70M | -697.50M | -900.70M | -544.20M |
| Operating Cash Flow | 92.00M | 179.00M | -682.50M | -882.70M | -520.90M |
| Investing Cash Flow | -22.50M | -21.30M | -13.50M | -18.00M | -14.80M |
| Financing Cash Flow | -138.80M | -115.20M | 640.90M | 952.90M | 600.90M |
Humm Group Limited Technical Analysis
Positive
0.64
Price Trends
0.41
Positive
0.44
Negative
0.55
Negative
Market Momentum
>-0.01
Negative
56.75
Neutral
85.94
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:HUM, the sentiment is Positive. The current price of 0.64 is above the 20-day moving average (MA) of 0.40, above the 50-day MA of 0.41, and above the 200-day MA of 0.55, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 56.75 is Neutral, neither overbought nor oversold. The STOCH value of 85.94 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:HUM.
Humm Group Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$262.82M | 9.08 | 8.80% | 8.66% | -6.45% | -0.06% | |
58 Neutral | AU$134.61M | 9.13 | 20.23% | ― | 20.39% | -42.91% | |
54 Neutral | AU$212.34M | 13.13 | 2.93% | 2.41% | -4.83% | -55.49% | |
52 Neutral | AU$49.96M | -1.23 | -41.92% | ― | 28.46% | 40.67% | |
51 Neutral | AU$1.82B | 15.94 | 17.40% | ― | 24.44% | 46.79% | |
50 Neutral | AU$821.39M | 7.52 | 8.74% | 13.29% | 4.20% | 85.51% |
* Financial Sector Average
AU:HUM
Humm Group Limited
0.42
-0.18
-30.72%
AU:SVR
Money3 Corporation Limited
1.41
>-0.01
-0.50%
AU:ZIP
Zip Co Ltd.
1.46
-2.63
-64.30%
AU:PLT
Plenti Group Ltd.
0.73
-0.77
-51.33%
AU:LFS
Latitude Group Holdings Ltd.
0.79
-0.23
-22.47%
AU:MME
MoneyMe Ltd.
0.06
-0.05
-46.96%
Humm Group Limited Corporate Events
Humm Group Sets 2026 AGM, Prioritises Digital Shareholder Engagement
Oct 19, 2026
Humm Group Limited has scheduled its 2026 Annual General Meeting for 20 November at its Sydney offices, inviting shareholders to engage directly with directors and senior management. The company is emphasizing electronic access to meeting document...
Humm Group Adjusts Capital Structure with Cessation of Performance Rights
Oct 13, 2026
Humm Group Limited has reported the cessation of 6,633,196 performance rights, recorded under the ASX security code HUMAA, effective 9 October 2026. The notification, lodged with the ASX as a new announcement, signals an adjustment to the company&...
Humm Group Updates Director’s Equity Following Performance Rights Vesting
Oct 13, 2026
Humm Group Limited has reported changes in director Angelo Demasi’s holdings, reflecting the conversion of performance rights into ordinary shares. The disclosure clarifies an earlier overstatement of his performance rights, which had includ...
Humm Group issues new shares to fund employee incentive plan
Oct 8, 2026
Humm Group Limited has applied for quotation on the ASX of 4,337,730 fully paid ordinary shares, to be issued to the trustee of the hummgroup Employee Share Plan Trust. The shares will be used to satisfy entitlements under the company’s empl...
Humm Group issues 4.3m shares to fund employee incentive plan
Oct 8, 2026
Humm Group Limited has issued 4,337,730 fully paid ordinary shares to the trustee of its Employee Share Plan Trust to satisfy entitlements under the company’s employee incentive plan, expanding its issued capital base. The company confirmed ...
Humm Group Seeks ASX Quotation for New Ordinary Shares
Oct 7, 2026
Humm Group Limited has applied for quotation of 2,463,221 ordinary fully paid shares on the ASX, with an issue date of October 7, 2026. The new securities, issued under a dividend or distribution plan, modestly increase the company’s listed ...
Humm Group Faces Legal Claim From Former CEO, Sees No Material Impact
Sep 22, 2026
Humm Group Limited has disclosed that it has been served with a Statement of Claim in the Federal Court of Australia by former managing director and chief executive officer Stuart Grimshaw, with the company, its subsidiary humm Global Pty Ltd and ...
Humm Group Updates DRP Pricing for FY2026 Interim Dividend
Sep 17, 2026
Humm Group Limited has updated its previously announced dividend details for holders of its ordinary fully paid shares, specifically revising the price applicable under its Dividend Reinvestment Plan. The update relates to the six‑month peri...
Humm Group Sets Out Key 2026 Financial Calendar Dates
Aug 25, 2026
Humm Group Limited has released its key financial calendar dates for 2026, including the announcement of full-year FY26 results on 25 August, final dividend timetable through October, and its annual general meeting scheduled for 11 November. The c...
Hummgroup posts resilient FY26 profit as funding base and transformation deepen
Aug 25, 2026
Hummgroup reported FY26 statutory profit after tax of $15.7 million and underlying profit of $44.2 million, highlighting resilient earnings despite inflation, higher funding costs, and cautious demand. Average assets under management held at $5.2 ...
Humm Group Updates ASX Corporate Governance Disclosures
Aug 25, 2026
Humm Group Limited has lodged its updated corporate governance statement for the year ended 30 June 2026 with the ASX and made it available on its website. The filing confirms the board has approved the statement, which details the company’s...
hummgroup Sets Date for FY26 Results Webcast as Multi-Market Finance Portfolio Grows
Aug 24, 2026
humm Group Limited will release its financial results for the year ended 30 June 2026 on Tuesday, 25 August 2026, as it continues to expand its footprint in consumer and commercial finance across Australia, New Zealand and several overseas markets...
Humm Group Adjusts Capital Structure as Performance Rights Lapse
Jul 24, 2026
Humm Group Limited has notified the market of the cessation of certain performance rights under its HUMAA securities, with a total of 1,631,566 rights lapsing on specified dates. The changes, lodged via an Appendix 3H, indicate an adjustment to th...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.