Humm Group Limited

DB:F5L Stock Report

Market Cap: €190.0m

Humm Group Valuation

Is F5L 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 F5L when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate F5L's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate F5L's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for F5L?

Key metric: As F5L is barely profitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for F5L. This is calculated by dividing F5L's market cap by their current revenue.
What is F5L's PS Ratio?
PS Ratio1.3x
SalesAU$243.70m
Market CapAU$317.05m

Price to Sales Ratio vs Peers

How does F5L's PS Ratio compare to its peers?

The above table shows the PS ratio for F5L vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.7x
OT8 Eleving Group
1.1x6.4%€193.2m
E4I Multitude
0.9x18.6%€103.8m
MPCK MPC Münchmeyer Petersen Capital
4.5x6.3%€192.1m
LUS1 Lang & Schwarz
0.3xn/a€168.0m
F5L Humm Group
1.3x15.0%€317.0m

Price-To-Sales vs Peers: F5L is good value based on its Price-To-Sales Ratio (1.3x) compared to the peer average (1.7x).

Price to Sales Ratio vs Industry

How does F5L's PS Ratio compare vs other companies in the European Consumer Finance Industry?

3 CompaniesPrice / SalesEstimated GrowthMarket Cap
F5L 1.3xIndustry Avg. 1.5xNo. of Companies7PS01.22.43.64.86+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: F5L is good value based on its Price-To-Sales Ratio (1.3x) compared to the European Consumer Finance industry average (1.5x).

Price to Sales Ratio vs Fair Ratio

What is F5L'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.

F5L PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio1.3x
Fair PS Ratio1.7x

Price-To-Sales vs Fair Ratio: F5L is good value based on its Price-To-Sales Ratio (1.3x) compared to the estimated Fair Price-To-Sales Ratio (1.7x).

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 F5L forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€0.39
€0.50
+29.9%
21.7%€0.61€0.35n/a3
Dec ’25€0.39
€0.49
+24.0%
26.6%€0.62€0.36n/a2
Aug ’25€0.27
€0.35
+29.8%
11.5%€0.38€0.31n/a2
Jul ’25€0.24
€0.35
+42.7%
11.5%€0.38€0.31n/a2
Jun ’25€0.27
€0.34
+25.7%
11.5%€0.38€0.30n/a2
May ’25€0.27
€0.34
+25.7%
11.5%€0.38€0.30n/a2
Apr ’25€0.30
€0.34
+14.0%
11.5%€0.38€0.30n/a2
Mar ’25€0.31
€0.34
+10.3%
11.5%€0.38€0.30n/a2
Aug ’24€0.27
€0.34
+27.8%
6.5%€0.36€0.32€0.272
Jul ’24€0.27
€0.34
+25.9%
6.5%€0.36€0.32€0.242
Jun ’24€0.25
€0.34
+34.9%
6.5%€0.36€0.32€0.272
May ’24€0.28
€0.34
+23.2%
6.5%€0.36€0.32€0.272
Apr ’24€0.27
€0.34
+24.1%
6.5%€0.36€0.32€0.302
Mar ’24€0.31
€0.34
+9.6%
6.5%€0.36€0.32€0.312
Feb ’24€0.38
€0.46
+20.5%
19.7%€0.55€0.37€0.392
Jan ’24€0.35
€0.46
+30.8%
19.7%€0.55€0.37€0.302
Dec ’23€0.36
€0.46
+27.9%
19.7%€0.55€0.37€0.262

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.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 07:23
End of Day Share Price 2024/12/20 00:00
Earnings2024/06/30
Annual Earnings2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Humm Group Limited is covered by 11 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Swapan PandyaAPP Securities Pty Ltd.
John MarrinCLSA
Paul BuysCredit Suisse