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F5L

Humm Group DB:F5L Stock Report

Last Price

AU$0.46

Market Cap

AU$243.1m

7D

-9.9%

1Y

-15.6%

Updated

11 May, 2022

Data

Company Financials +
F5L fundamental analysis
Snowflake Score
Valuation3/6
Future Growth4/6
Past Performance0/6
Financial Health2/6
Dividends2/6

F5L Stock 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$0.46
52 Week HighAU$0.69
52 Week LowAU$0.45
Beta1.75
1 Month Change-13.27%
3 Month Change-14.07%
1 Year Change-15.64%
3 Year Change-59.86%
5 Year Change-62.15%
Change since IPO-81.89%

Recent News & Updates

Shareholder Returns

F5LDE Consumer FinanceDE Market
7D-9.9%-15.7%-2.0%
1Y-15.6%-31.3%-11.8%

Return vs Industry: F5L exceeded the German Consumer Finance industry which returned -34.4% over the past year.

Return vs Market: F5L underperformed the German Market which returned -13.7% over the past year.

Price Volatility

Is F5L's price volatile compared to industry and market?
F5L volatility
F5L Average Weekly Movement5.1%
Consumer Finance Industry Average Movement6.7%
Market Average Movement6.4%
10% most volatile stocks in DE Market10.7%
10% least volatile stocks in DE Market3.6%

Stable Share Price: F5L is not significantly more volatile than the rest of German stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: F5L's weekly volatility (5%) 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?
F5L fundamental statistics
Market CapAU$366.20m
Earnings (TTM)-AU$150.60m
Revenue (TTM)AU$308.50m

1.2x

P/S Ratio

-2.4x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
F5L income statement (TTM)
RevenueAU$308.50m
Cost of RevenueAU$101.20m
Gross ProfitAU$207.30m
Other ExpensesAU$357.90m
Earnings-AU$150.60m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.30
Gross Margin67.20%
Net Profit Margin-48.82%
Debt/Equity Ratio442.2%

How did F5L perform over the long term?

See historical performance and comparison

Dividends

4.6%

Current Dividend Yield

-6%

Payout Ratio

Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


44.2%

Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: F5L (€0.46) is trading below our estimate of fair value (€0.83)

Significantly Below Fair Value: F5L is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: F5L is unprofitable, so we can't compare its PE Ratio to the European Consumer Finance industry average.

PE vs Market: F5L is unprofitable, so we can't compare its PE Ratio to the German market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate F5L's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: F5L is good value based on its PB Ratio (0.6x) compared to the XE Consumer Finance industry average (1.1x).


Future Growth

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

Future Growth Score

4/6

Future Growth Score 4/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


79.2%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: F5L is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (-0.05%).

Earnings vs Market: F5L is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: F5L's is expected to become profitable in the next 3 years.

Revenue vs Market: F5L's revenue (18.1% per year) is forecast to grow faster than the German market (5.3% per year).

High Growth Revenue: F5L's revenue (18.1% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: F5L's Return on Equity is forecast to be low in 3 years time (9.8%).


Past Performance

How has Humm Group performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-29.7%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: F5L is currently unprofitable.

Growing Profit Margin: F5L is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: F5L is unprofitable, and losses have increased over the past 5 years at a rate of 29.7% per year.

Accelerating Growth: Unable to compare F5L's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: F5L is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (17.5%).


Return on Equity

High ROE: F5L has a negative Return on Equity (-24.18%), as it is currently unprofitable.


Financial Health

How is Humm Group's financial position?

Financial Health Score

2/6

Financial Health Score 2/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: F5L's short term assets (A$3.2B) exceed its short term liabilities (A$64.7M).

Long Term Liabilities: F5L's short term assets (A$3.2B) exceed its long term liabilities (A$2.8B).


Debt to Equity History and Analysis

Debt Level: F5L's net debt to equity ratio (396.8%) is considered high.

Reducing Debt: F5L's debt to equity ratio has increased from 316.9% to 442.2% over the past 5 years.

Debt Coverage: F5L's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: Insufficient data to determine if F5L'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?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


4.59%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: F5L's dividend (4.59%) is higher than the bottom 25% of dividend payers in the German market (1.38%).

High Dividend: F5L's dividend (4.59%) is in the top 25% of dividend payers in the German market (4.29%)


Stability and Growth of Payments

Stable Dividend: F5L's dividend payments have been volatile in the past 10 years.

Growing Dividend: F5L's dividend payments have fallen over the past 10 years.


Earnings Payout to Shareholders

Earnings Coverage: F5L is paying a dividend but the company is unprofitable.


Cash Payout to Shareholders

Cash Flow Coverage: F5L is paying a dividend but the company has no free cash flows.


Next Steps

Management

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

2.1yrs

Average management tenure


CEO

Rebecca James

3.58yrs

Tenure

AU$1,345,341

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 ($USD941.52K) is above average for companies of similar size in the German market ($USD618.81K).

Compensation vs Earnings: Rebecca's compensation has increased whilst the company is unprofitable.


Leadership Team

Experienced Management: F5L's management team is considered experienced (2.1 years average tenure).


Board Members

Experienced Board: F5L's board of directors are considered experienced (3.6 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if 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: F5L
  • Exchange: DB
  • Founded: 1988
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: AU$366.199m
  • Listing Market Cap: AU$243.082m
  • Shares outstanding: 494.86m
  • 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 Analysis2022/05/11 00:00
End of Day Share Price2022/05/11 00:00
Earnings2021/12/31
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.