Humm Group Valuation

Is HUM undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of HUM when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate HUM's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate HUM's fair value for valuation analysis.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for HUM?

Key metric: As HUM is barely profitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for HUM. This is calculated by dividing HUM's market cap by their current revenue.
What is HUM's PS Ratio?
PS Ratio1.3x
SalesAU$243.70m
Market CapAU$324.25m

Price to Sales Ratio vs Peers

How does HUM's PS Ratio compare to its peers?

The above table shows the PS ratio for HUM vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.8x
SVR Solvar
1.4x1.6%AU$312.5m
FPR FleetPartners Group
0.9x4.5%AU$711.7m
FSA FSA Group
1.9xn/aAU$97.1m
LFS Latitude Group Holdings
2.8x22.9%AU$1.2b
HUM Humm Group
1.3x15.0%AU$324.3m

Price-To-Sales vs Peers: HUM is good value based on its Price-To-Sales Ratio (1.3x) compared to the peer average (1.8x).


Price to Sales Ratio vs Industry

How does HUM's PS Ratio compare vs other companies in the AU Consumer Finance Industry?

3 CompaniesPrice / SalesEstimated GrowthMarket Cap
CLH Collection House
0.2xn/aUS$6.30m
LBY Laybuy Group Holdings
0.2xn/aUS$5.65m
PYR Navalo Financial Services Group
0.2xn/aUS$2.65m
No more companies available in this PS range
HUM 1.3xIndustry Avg. 2.6xNo. of Companies4PS01.22.43.64.86+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: HUM is good value based on its Price-To-Sales Ratio (1.3x) compared to the Global Consumer Finance industry average (2.6x).


Price to Sales Ratio vs Fair Ratio

What is HUM's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

HUM PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio1.3x
Fair PS Ratio2.1x

Price-To-Sales vs Fair Ratio: HUM is good value based on its Price-To-Sales Ratio (1.3x) compared to the estimated Fair Price-To-Sales Ratio (2.1x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst HUM forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentAU$0.68
AU$0.83
+22.5%
21.7%AU$1.00AU$0.58n/a3
Dec ’25AU$0.65
AU$0.79
+21.5%
26.6%AU$1.00AU$0.58n/a2
Aug ’25AU$0.47
AU$0.56
+21.5%
11.5%AU$0.63AU$0.50n/a2
Jul ’25AU$0.41
AU$0.56
+37.8%
11.5%AU$0.63AU$0.50n/a2
Jun ’25AU$0.46
AU$0.56
+22.8%
11.5%AU$0.63AU$0.50n/a2
May ’25AU$0.45
AU$0.56
+25.6%
11.5%AU$0.63AU$0.50n/a2
Apr ’25AU$0.50
AU$0.56
+13.0%
11.5%AU$0.63AU$0.50n/a2
Mar ’25AU$0.53
AU$0.56
+6.6%
11.5%AU$0.63AU$0.50n/a2
Aug ’24AU$0.46
AU$0.54
+17.6%
6.5%AU$0.57AU$0.50AU$0.472
Jul ’24AU$0.47
AU$0.54
+15.1%
6.5%AU$0.57AU$0.50AU$0.412
Jun ’24AU$0.42
AU$0.54
+27.4%
6.5%AU$0.57AU$0.50AU$0.462
May ’24AU$0.46
AU$0.54
+16.3%
6.5%AU$0.57AU$0.50AU$0.452
Apr ’24AU$0.45
AU$0.54
+20.2%
6.5%AU$0.57AU$0.50AU$0.502
Mar ’24AU$0.50
AU$0.54
+7.0%
6.5%AU$0.57AU$0.50AU$0.532
Feb ’24AU$0.60
AU$0.71
+18.3%
19.7%AU$0.85AU$0.57AU$0.662
Jan ’24AU$0.56
AU$0.71
+25.7%
19.7%AU$0.85AU$0.57AU$0.492
Dec ’23AU$0.57
AU$0.71
+24.6%
19.7%AU$0.85AU$0.57AU$0.442

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.


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