Humm is a diversified finance provider with offerings centered on buy now pay later, or BNPL, credit cards and equipment finance. It facilitates purchases for over 2.7 million customers. Humm operates in Australia, New Zealand, Ireland, and Canada. While it caters for a diverse range of industries, its focus is on financing higher ticket items. Unlike the glut of new BNPL firms, Humm is established with a long operating history. Originally Flexigroup, Humm had a strategic refresh in 2019 where it has now consolidated to around four main brands in ANZ, from 20 before. In its earlier days, Humm focused on Visa and interest-free cards, lay-by, consumer leasing, commercial finance, and other payment solutions to consumers and small businesses.

Financial Strength

2/10

Name	Current	Vs Industry
Cash-To-Debt	0.06
Equity-to-Asset	0.11
Debt-to-Equity	8.15
Debt-to-EBITDA	15.28
Interest Coverage	1.04
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.42	Distress Grey Safe
Beneish M-Score	-1.82	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	10.3
	3-Year EBITDA Growth Rate	17.3
	3-Year EPS without NRI Growth Rate	-44.1
	3-Year FCF Growth Rate	-68.1
	3-Year Book Growth Rate	-7.7
	Future 3-5Y EPS without NRI Growth Rate	70.39
	Future 3-5Y Total Revenue Growth Rate	5.31

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.08
	Quick Ratio	1.08
	Cash Ratio	0.06
	Days Inventory	30.63
	Days Sales Outstanding	110.37
	Days Payable	747.02

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Payout Ratio	0.86
	3-Year Average Share Buyback Ratio	1
	Shareholder Yield %	-259.54

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	95.37
	Operating Margin %	47.09
	Net Margin %	1.15
	FCF Margin %	-113.41
	ROE %	1.2
	ROA %	0.14
	ROIC %	5.3
	ROC (Joel Greenblatt) %	2616.36
	ROCE %	48.35
	Years of Profitability over Past 10-Year	8

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PE Ratio	46.43
	Forward PE Ratio	14.63
	PE Ratio without NRI	30.95
	Shiller PE Ratio	8.2
	Price-to-Owner-Earnings	59.09
	PS Ratio	0.53
	PB Ratio	0.54
	Price-to-Tangible-Book	0.7
	EV-to-EBIT	16.53
	EV-to-EBITDA	15.4
	EV-to-Revenue	7.7
	EV-to-FCF	-6.82
	Price-to-Median-PS-Value	0.44
	Price-to-Graham-Number	0.98
	Price-to-Net-Current-Asset-Value	0.87
	Earnings Yield (Greenblatt) %	6.05
	FCF Yield %	-218.21
	Forward Rate of Return (Yacktman) %	34.04

Financials (Next Earnings Date:2025-02-20 Est.)

Annual Quarterly TTM

HUMGF's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with OTCPK:HUMGF

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Humm Group Ltd Executives

Details

GF Value: $1.26

HUMGF

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 3 Severe warning signs with HUMGF. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	410.327
	EPS (TTM) ($)	0.009
	Beta	0
	Volatility %	0.8
	14-Day RSI	0
	14-Day ATR ($)	0
	20-Day SMA ($)	1.17
	12-1 Month Momentum %	0
	52-Week Range ($)	1.17 - 1.17
	Shares Outstanding (Mil)	491.76

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	4
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Humm Group Ltd Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Humm Group Ltd Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Humm Group Ltd Frequently Asked Questions

What is Humm Group Ltd(HUMGF)'s stock price today?

The current price of HUMGF is $1.17. The 52 week high of HUMGF is $1.17 and 52 week low is $1.17.

When is next earnings date of Humm Group Ltd(HUMGF)?

The next earnings date of Humm Group Ltd(HUMGF) is 2025-02-20 Est..

Does Humm Group Ltd(HUMGF) pay dividends? If so, how much?

Humm Group Ltd(HUMGF) does not pay dividend.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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