F5L Stock Chart & Stats
€0.38
€0.00(0.00%)
At close: 4:00 PM EST
€0.38
€0.00(0.00%)
Day’s Range― - ―
52-Week Range€0.26 - €0.44
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€139.55M
Enterprise Value€4.69K
Total Cash (Recent Filing)€365.10M
Total Debt (Recent Filing)€4.72B
Price to Earnings (P/E)8.3
Beta0.48
Next Earnings
Aug 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.06
Shares Outstanding504,914,460
10 Day Avg. Volume0
30 Day Avg. Volume0
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
€0.49Price Target Upside28.36% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.06
Revenue Forecast (FY)€209.77M
Bulls Say, Bears Say
Bulls Say
Diversified Finance Products & DistributionHumm's mix of BNPL-style, longer-term instalments and commercial equipment finance across merchant and broker/partner channels spreads origination risk across consumer and SME markets. This diversified originations base supports more stable revenues and resilience to single-segment shocks over months to years.
Strong Recent Revenue GrowthA ~140% revenue uplift signals accelerating product adoption and scaled originations, which can create durable top-line momentum. If sustained, that growth helps absorb fixed costs, improves unit economics, and provides capacity to invest in distribution or credit infrastructure over the medium term.
Robust Gross And Operating MarginsExceptionally high gross and strong EBIT/EBITDA margins indicate a scalable, fee- and interest-spread-driven model with low direct cost of revenue. Sustained operating profitability provides structural ability to fund growth, absorb credit losses, and support reinvestment without immediate dilution.
Bears Say
Very High LeverageA debt-to-equity ratio above 9x leaves the business highly sensitive to interest rates, funding availability and credit markets. Over months, refinancing risk and higher funding costs can compress earnings and limit strategic flexibility, raising durable solvency and growth risks.
Weak Free Cash Flow GenerationSeverely negative FCF growth and a very low operating-cash-to-net-income ratio show earnings are not converting into robust cash, implying dependence on external funding to grow the receivables book. This structural cash weakness increases exposure to funding squeezes and constrains deleveraging.
Low Net Profitability After CostsA large gap between near-100% gross margin and only ~6% net margin suggests high operating expenses, credit provisioning or funding costs are eroding returns. Persistently low net margins limit retained earnings, slowing equity rebuild and making sustained deleveraging and reinvestment harder.
Humm Group Limited News
F5L FAQ
What was Humm Group Limited’s price range in the past 12 months?
Humm Group Limited lowest stock price was €0.26 and its highest was €0.44 in the past 12 months.
What is Humm Group Limited’s market cap?
Humm Group Limited’s market cap is €139.55M.
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 34 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 does not currently pay dividends.
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 DE:F5L
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:
€0.49 (28.36% Upside)
€0.49 (28.36% Upside)
Blogger Sentiment
Bullish
DE:F5L Sentiment 96%
Sector Average 60%
Sector Average 60%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-28.92%
12-Months-Change
Fundamentals
Return on Equity
4.76%
Trailing 12-Months
Asset Growth
-3.31%
Trailing 12-Months
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.
F5L Stock 12 Month Forecast
Average Price Target
€0.49
▲(28.36% Upside)
Technical Analysis
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