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Humm Group Limited
(Sydney:HUM)
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Rating:54Neutral
Price Target:
AU$0.44
▼(-31.41% 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
The return to positive operating and free cash flow supports internal funding capacity and shows improved earnings convertibility. If sustained, stronger cash generation can help service debt and finance ongoing operations without relying as heavily on external funding.
Negative Factors
Very high balance-sheet leverage
Heavy leverage leaves limited equity protection if credit losses, funding costs or receivable performance deteriorate. It can also constrain strategic flexibility, because a larger share of operating cash may need to support funding obligations rather than growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved cash generation
The return to positive operating and free cash flow supports internal funding capacity and shows improved earnings convertibility. If sustained, stronger cash generation can help service debt and finance ongoing operations without relying as heavily on external funding.
Read all positive factors
Humm Group Limited (HUM) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$209.52M
Dividend Yield2.33%
Average Volume (3M)980.95K
Price to Earnings (P/E)13.6
Beta (1Y)0.30
Revenue Growth-4.83%
EPS Growth-55.49%
CountryAU
Employees533
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.03
Shares Outstanding504,914,460
10 Day Avg. Volume844,936
30 Day Avg. Volume980,951
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$0.78Price Target Upside21.09% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.08
Revenue Forecast (FY)AU$485.85M
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
Neutral
0.64
Price Trends
0.44
Negative
0.51
Negative
0.59
Negative
Market Momentum
>-0.01
Negative
53.13
Neutral
52.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:HUM, the sentiment is Neutral. The current price of 0.64 is above the 20-day moving average (MA) of 0.42, above the 50-day MA of 0.44, and above the 200-day MA of 0.59, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 53.13 is Neutral, neither overbought nor oversold. The STOCH value of 52.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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$300.24M | 10.40 | 8.80% | 7.73% | -6.45% | -0.06% | |
58 Neutral | AU$141.06M | 9.75 | 20.23% | ― | 20.39% | -42.91% | |
54 Neutral | AU$209.52M | 13.61 | 2.93% | 2.84% | -4.83% | -55.49% | |
52 Neutral | AU$57.15M | -1.35 | -41.92% | ― | 28.46% | 40.67% | |
51 Neutral | AU$2.97B | 26.64 | 17.40% | ― | 24.44% | 46.79% | |
50 Neutral | AU$966.95M | 8.86 | 8.74% | 6.60% | 4.20% | 85.51% |
* Financial Sector Average
AU:HUM
Humm Group Limited
0.43
-0.20
-31.53%
AU:SVR
Money3 Corporation Limited
1.61
0.17
11.88%
AU:ZIP
Zip Co Ltd.
2.44
-2.05
-45.66%
AU:PLT
Plenti Group Ltd.
0.78
-0.47
-37.60%
AU:LFS
Latitude Group Holdings Ltd.
0.93
-0.12
-11.85%
AU:MME
MoneyMe Ltd.
0.07
-0.07
-50.37%
Humm Group Limited Corporate Events
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...
Humm Group Faces Delay in Board Nomination from Abercrombie Group
Jun 30, 2026
Humm Group has announced that The Abercrombie Group has decided not to proceed, for now, with nominating a representative to join hummgroup’s board of directors, despite an earlier indication that an appointment was expected by 1 July 2026. ...
Takeovers Panel orders Humm Group to pay costs over disrupted proceedings
Jun 29, 2026
The Takeovers Panel has ordered Humm Group Limited to pay $44,599.50 in fair and reasonable costs incurred by shareholder Mr Raper, after finding that Humm’s conduct during tribunal proceedings disrupted, hindered and delayed the process. Th...
ASIC Concludes Humm Group Probes Without Enforcement Action
Jun 29, 2026
Humm Group Limited has disclosed that the Australian Securities and Investments Commission has concluded investigations into its Cards AU and Commercial subsidiaries without taking enforcement action at this time. ASIC highlighted concerns over hi...
Credit Corp Ends Acquisition Talks With Humm After Due Diligence Concerns
Jun 21, 2026
Credit Corp Group Limited has ended talks to acquire 100 per cent of Humm Group Limited after a period of commercial due diligence raised issues it could not resolve to its satisfaction. The company materially reduced its original non-binding indi...
Takeovers Panel Blocks Humm’s Bid to Replace Independent Board Committee Chair
Jun 19, 2026
Australia’s Takeovers Panel has detailed why it refused Humm Group Limited’s request to replace Teresa Dyson with Rajeev Dhawan as chair of the company’s independent board committee. The panel said Humm had not provided a satisfa...
Humm Group Tightens Governance With New Securities Trading Policy
Jun 4, 2026
Humm Group Limited has formalised a comprehensive Securities Trading Policy that governs when directors, officers, employees, consultants, contractors and their connected persons may trade in the company’s securities. The policy defines key ...
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.