Humm Group Limited provides various financial services in Australia, New Zealand, and Ireland. More Details
High growth potential and good value.
Share Price & News
How has Humm Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HUM is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: HUM's weekly volatility (8%) has been stable over the past year.
7 Day Return
AU Consumer Finance
1 Year Return
AU Consumer Finance
Return vs Industry: HUM underperformed the Australian Consumer Finance industry which returned 125.1% over the past year.
Return vs Market: HUM underperformed the Australian Market which returned 33.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Humm Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StInsider Buying: The Humm Group Limited (ASX:HUM) Independent Non-Executive Director Just Bought 2.0% More Shares
1 month ago | Simply Wall StWhat Kind Of Shareholders Hold The Majority In Humm Group Limited's (ASX:HUM) Shares?
2 months ago | Simply Wall StWould Shareholders Who Purchased Humm Group's (ASX:HUM) Stock Five Years Be Happy With The Share price Today?
Is Humm Group undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HUM (A$0.97) is trading above our estimate of fair value (A$0.47)
Significantly Below Fair Value: HUM is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: HUM is good value based on its PE Ratio (16.3x) compared to the AU Consumer Finance industry average (18.1x).
PE vs Market: HUM is good value based on its PE Ratio (16.3x) compared to the Australian market (20.8x).
Price to Earnings Growth Ratio
PEG Ratio: HUM is good value based on its PEG Ratio (0.7x)
Price to Book Ratio
PB vs Industry: HUM is good value based on its PB Ratio (0.6x) compared to the AU Consumer Finance industry average (2.4x).
How is Humm Group forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HUM's forecast earnings growth (24.7% per year) is above the savings rate (2%).
Earnings vs Market: HUM's earnings (24.7% per year) are forecast to grow faster than the Australian market (15.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: HUM's revenue (21.5% per year) is forecast to grow faster than the Australian market (5.7% per year).
High Growth Revenue: HUM's revenue (21.5% per year) is forecast to grow faster 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 (8.9%).
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 (11.1%) are lower than last year (20.3%).
Past Earnings Growth Analysis
Earnings Trend: HUM's earnings have declined by 13.2% per year over the past 5 years.
Accelerating Growth: HUM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: HUM had negative earnings growth (-60.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (-3.5%).
Return on Equity
High ROE: HUM's Return on Equity (3.6%) is considered low.
How is Humm Group's financial position?
Financial Position Analysis
Short Term Liabilities: HUM's short term assets (A$2.6B) exceed its short term liabilities (A$82.9M).
Long Term Liabilities: HUM's short term assets (A$2.6B) exceed its long term liabilities (A$2.3B).
Debt to Equity History and Analysis
Debt Level: HUM's debt to equity ratio (297.2%) is considered high.
Reducing Debt: HUM's debt to equity ratio has increased from 204.5% to 297.2% over the past 5 years.
Debt Coverage: HUM's debt is not well covered by operating cash flow (10.4%).
Interest Coverage: Insufficient data to determine if HUM's interest payments on its debt are well covered by EBIT.
What is Humm Group current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate HUM's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate HUM's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if HUM's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if HUM's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: HUM is not paying a notable dividend for the Australian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of HUM's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ms. Rebecca James serves as Group Chief Executive Officer at Humm Group Limited. She had been the Chief Executive Officer of Humm Group Limited (formerly known as FlexiGroup Limited) since October 2, 2018....
CEO Compensation Analysis
Compensation vs Market: Rebecca's total compensation ($USD712.72K) is about average for companies of similar size in the Australian market ($USD688.72K).
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 (2.4 years average tenure).
Experienced Board: HUM's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
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 been diluted in the past year, with total shares outstanding growing by 25.6%.
Humm Group Limited's company bio, 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$482.831m
- Shares outstanding: 495.21m
- Website: https://www.shophumm.com/humm-group/
- Humm Group Limited
- 179 Elizabeth Street
- Level 7
- New South Wales
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 Leasi...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/14 08:23|
|End of Day Share Price||2021/04/14 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.