F5L Stock Overview
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$0.46|
|52 Week High||AU$0.69|
|52 Week Low||AU$0.45|
|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
|F5L||DE Consumer Finance||DE Market|
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.
|F5L Average Weekly Movement||5.1%|
|Consumer Finance Industry Average Movement||6.7%|
|Market Average Movement||6.4%|
|10% most volatile stocks in DE Market||10.7%|
|10% least volatile stocks in DE Market||3.6%|
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
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
|F5L fundamental statistics|
Is F5L overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|F5L income statement (TTM)|
|Cost of Revenue||AU$101.20m|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.30|
|Net Profit Margin||-48.82%|
How did F5L perform over the long term?See historical performance and comparison
4.6%Current Dividend Yield
Is Humm Group undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
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).
How is Humm Group forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score4/6
Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
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%).
How has Humm Group performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
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.
How is Humm Group's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
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$2.8B).
Debt to Equity History and Analysis
Debt Level: F5L's net debt to equity ratio (396.8%) is considered high.
Reducing Debt: F5L's debt to equity ratio has increased from 316.9% to 442.2% over the past 5 years.
Debt Coverage: F5L's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if F5L's interest payments on its debt are well covered by EBIT.
What is Humm Group current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: F5L's dividend (4.59%) is higher than the bottom 25% of dividend payers in the German market (1.38%).
High Dividend: F5L's dividend (4.59%) is in the top 25% of dividend payers in the German market (4.29%)
Stability and Growth of Payments
Stable Dividend: F5L's dividend payments have been volatile in the past 10 years.
Growing Dividend: F5L's dividend payments have fallen over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: F5L is paying a dividend but the company is unprofitable.
Cash Payout to Shareholders
Cash Flow Coverage: F5L is paying a dividend but the company has no free cash flows.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ms. Rebecca James serves as Group Chief Executive Officer at Humm Group Limited. She had been the Chief Executive Officer of Humm Group Limited (formerly known as FlexiGroup Limited) since October 2, 2018....
CEO Compensation Analysis
Compensation vs Market: Rebecca's total compensation ($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.
Experienced Management: F5L's management team is considered experienced (2.1 years average tenure).
Experienced Board: F5L's board of directors are considered experienced (3.6 years average tenure).
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
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: 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/
- Humm Group Limited
- 121 Harrington Street
- Level 1
- New South Wales
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/11 00:00|
|End of Day Share Price||2022/05/11 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.