Humm Group Past Earnings Performance

Past criteria checks 1/6

Humm Group has been growing earnings at an average annual rate of 35.7%, while the Consumer Finance industry saw earnings growing at 0.8% annually. Revenues have been declining at an average rate of 2.2% per year. Humm Group's return on equity is 4.9%, and it has net margins of 7.7%.

Key information

35.65%

Earnings growth rate

33.50%

EPS growth rate

Consumer Finance Industry Growth	7.20%
Revenue growth rate	-2.17%
Return on equity	4.87%
Net Margin	7.73%
Last Earnings Update	31 Dec 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Humm Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:HUMG.F Revenue, expenses and earnings (AUD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Dec 25	269	21	103
30 Sep 25	275	28	103
30 Jun 25	281	34	102
31 Mar 25	277	35	103
31 Dec 24	273	35	103
30 Sep 24	258	19	103
30 Jun 24	244	2	103
31 Mar 24	240	-7	101
31 Dec 23	236	-15	99
30 Sep 23	242	-8	100
30 Jun 23	248	-2	101
31 Mar 23	256	0	103
31 Dec 22	264	2	105
30 Sep 22	278	-86	109
30 Jun 22	293	-174	113
31 Mar 22	301	-162	117
31 Dec 21	309	-151	120
30 Sep 21	310	-47	116
30 Jun 21	311	57	111
31 Mar 21	281	42	106
31 Dec 20	250	27	101
30 Sep 20	247	24	106
30 Jun 20	244	21	110
31 Mar 20	275	42	110
31 Dec 19	306	62	111
30 Sep 19	294	61	108
30 Jun 19	282	60	105
31 Mar 19	281	66	104
31 Dec 18	280	71	104
30 Sep 18	289	31	103
30 Jun 18	297	-9	103
31 Mar 18	296	-9	103
31 Dec 17	295	-9	103
30 Sep 17	297	39	101
30 Jun 17	298	87	99
31 Mar 17	286	72	97
31 Dec 16	273	57	94
30 Sep 16	256	53	87
30 Jun 16	239	50	79
31 Mar 16	237	68	74
31 Dec 15	236	86	68
30 Sep 15	232	84	69
30 Jun 15	229	83	69

Quality Earnings: HUMG.F has a large one-off loss of A$8.1M impacting its last 12 months of financial results to 31st December, 2025.

Growing Profit Margin: HUMG.F's current net profit margins (7.7%) are lower than last year (12.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: HUMG.F's earnings have grown significantly by 35.7% per year over the past 5 years.

Accelerating Growth: HUMG.F's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: HUMG.F had negative earnings growth (-40.9%) over the past year, making it difficult to compare to the Consumer Finance industry average (31.4%).

Return on Equity

High ROE: HUMG.F's Return on Equity (4.9%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/04/22 05:44
End of Day Share Price	2026/03/30 00:00
Earnings	2025/12/31
Annual Earnings	2025/06/30

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

Humm Group Limited is covered by 7 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
John Marrin	CLSA
Jim Godsil	Goldman Sachs
Brendan Carrig	Macquarie Research