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HUM

Humm GroupASX:HUM Stock Report

Market Cap

AU$416.0m

7D

6.3%

1Y

-20.0%

Updated

28 Sep, 2021

Data

Company Financials +
HUM fundamental analysis
Snowflake Score
Valuation5/6
Future Growth2/6
Past Performance3/6
Financial Health3/6
Dividends0/6

HUM Overview

Humm Group Limited provides various financial services in Australia, New Zealand, and Ireland.

Humm Group Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Humm Group
Historical stock prices
Current Share PriceAU$0.84
52 Week HighAU$0.78
52 Week LowAU$1.36
Beta1.58
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

Shareholder Returns

HUMAU Consumer FinanceAU Market
7D6.3%6.5%1.5%
1Y-20.0%23.9%24.8%

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.

Price Volatility

Is HUM's price volatile compared to industry and market?
HUM volatility
HUM Beta1.58
Industry Beta1.98
Market Beta1

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

FoundedEmployeesCEOWebsite
1988n/aRebecca Jameshttps://www.shophumm.com/humm-group/

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

How do Humm Group's earnings and revenue compare to its market cap?
HUM fundamental statistics
Market CapAU$415.98m
Earnings (TTM)AU$57.10m
Revenue (TTM)AU$311.00m

7.3x

P/E Ratio

1.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
HUM income statement (TTM)
RevenueAU$311.00m
Cost of RevenueAU$89.50m
Gross ProfitAU$221.50m
ExpensesAU$164.40m
EarningsAU$57.10m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.12
Gross Margin71.22%
Net Profit Margin18.36%
Debt/Equity Ratio319.4%

How did HUM perform over the long term?

See historical performance and comparison

Valuation

Is Humm Group undervalued compared to its fair value and its price relative to the market?

37.9%

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).


Future Growth

How is Humm Group forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

5.6%

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%).


Past Performance

How has Humm Group performed over the past 5 years?

-4.1%

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.


Financial Health

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.


Balance Sheet


Dividend

What is Humm Group current dividend yield, its reliability and sustainability?

5.47%

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.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.2yrs

Average management tenure


CEO

Rebecca James

2.92yrs

Tenure

AU$934,525

Compensation

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.


Leadership Team

Experienced Management: HUM's management team is considered experienced (2.2 years average tenure).


Board Members

Experienced Board: HUM's board of directors are considered experienced (3.2 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Humm Group Limited's employee growth, exchange listings and data sources


Key Information

  • 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/

Location

  • Humm Group Limited
  • 121 Harrington Street
  • Level 1
  • Sydney
  • New South Wales
  • 2000
  • Australia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/28 08:05
End of Day Share Price2021/09/28 00:00
Earnings2021/06/30
Annual Earnings2021/06/30


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.