Humm Group Limited provides various financial services in Australia, New Zealand, and Ireland.
Humm Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$0.84|
|52 Week High||AU$0.78|
|52 Week Low||AU$1.36|
|1 Month Change||-11.58%|
|3 Month Change||-15.15%|
|1 Year Change||-20.00%|
|3 Year Change||-53.85%|
|5 Year Change||-66.27%|
|Change since IPO||-67.82%|
Recent News & Updates
|HUM||AU Consumer Finance||AU Market|
Return vs Industry: HUM underperformed the Australian Consumer Finance industry which returned 23.9% over the past year.
Return vs Market: HUM underperformed the Australian Market which returned 24.8% over the past year.
Stable Share Price: HUM is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: HUM's weekly volatility (6%) has been stable over the past year.
About the Company
Humm Group Limited provides various financial services in Australia, New Zealand, and Ireland. It operates through four segments: Buy Now Pay Later, New Zealand Cards, Australia Cards, and Commercial and Leasing. The company 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 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 for enterprise, SME, education and retail businesses.
Humm Group Fundamentals Summary
|HUM fundamental statistics|
Is HUM overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|HUM income statement (TTM)|
|Cost of Revenue||AU$89.50m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.12|
|Net Profit Margin||18.36%|
How did HUM perform over the long term?See historical performance and comparison
Is Humm Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: HUM (A$0.84) is trading below our estimate of fair value (A$1.35)
Significantly Below Fair Value: HUM is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: HUM is good value based on its PE Ratio (7.3x) compared to the Australian Consumer Finance industry average (14x).
PE vs Market: HUM is good value based on its PE Ratio (7.3x) compared to the Australian market (19x).
Price to Earnings Growth Ratio
PEG Ratio: HUM is poor value based on its PEG Ratio (1.3x)
Price to Book Ratio
PB vs Industry: HUM is good value based on its PB Ratio (0.5x) compared to the AU Consumer Finance industry average (1.8x).
How is Humm Group forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HUM's forecast earnings growth (5.6% per year) is above the savings rate (1.9%).
Earnings vs Market: HUM's earnings (5.6% per year) are forecast to grow slower than the Australian market (11.4% per year).
High Growth Earnings: HUM's earnings are forecast to grow, but not significantly.
Revenue vs Market: HUM's revenue (16.7% per year) is forecast to grow faster than the Australian market (5.2% per year).
High Growth Revenue: HUM's revenue (16.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: HUM's Return on Equity is forecast to be low in 3 years time (8.4%).
How has Humm Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HUM has high quality earnings.
Growing Profit Margin: HUM's current net profit margins (18.4%) are higher than last year (8.6%).
Past Earnings Growth Analysis
Earnings Trend: HUM's earnings have declined by 4.1% per year over the past 5 years.
Accelerating Growth: HUM's earnings growth over the past year (171.9%) exceeds its 5-year average (-4.1% per year).
Earnings vs Industry: HUM earnings growth over the past year (171.9%) underperformed the Consumer Finance industry 171.9%.
Return on Equity
High ROE: HUM's Return on Equity (7.9%) is considered low.
How is Humm Group's financial position?
Financial Position Analysis
Short Term Liabilities: HUM's short term assets (A$2.9B) exceed its short term liabilities (A$761.4M).
Long Term Liabilities: HUM's short term assets (A$2.9B) exceed its long term liabilities (A$1.8B).
Debt to Equity History and Analysis
Debt Level: HUM's debt to equity ratio (319.4%) is considered high.
Reducing Debt: HUM's debt to equity ratio has reduced from 321.4% to 319.4% over the past 5 years.
Debt Coverage: HUM's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if HUM's interest payments on its debt are well covered by EBIT.
What is Humm Group current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate HUM's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate HUM's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if HUM's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if HUM's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: HUM is not paying a notable dividend for the Australian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of HUM's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ms. Rebecca James serves as Group Chief Executive Officer at Humm Group Limited. She had been the Chief Executive Officer of Humm Group Limited (formerly known as FlexiGroup Limited) since October 2, 2018....
CEO Compensation Analysis
Compensation vs Market: Rebecca's total compensation ($USD680.74K) is about average for companies of similar size in the Australian market ($USD754.90K).
Compensation vs Earnings: Rebecca's compensation has been consistent with company performance over the past year.
Experienced Management: HUM's management team is considered experienced (2.2 years average tenure).
Experienced Board: HUM's board of directors are considered experienced (3.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: HUM insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Humm Group Limited's employee growth, exchange listings and data sources
- Name: Humm Group Limited
- Ticker: HUM
- Exchange: ASX
- Founded: 1988
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: AU$415.977m
- Shares outstanding: 495.21m
- Website: https://www.shophumm.com/humm-group/
- Humm Group Limited
- 121 Harrington Street
- Level 1
- New South Wales
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/28 08:05|
|End of Day Share Price||2021/09/28 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.