Business Description

Humm Group Ltd

ISIN : AU0000121337
https://www.shophumm.com
121 Harrington Street, Level 1, Sydney, NSW, AUS, 2000
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ASX:SVRASX:PLTASX:FSAASX:OBLASX:PGLASX:PNCASX:MMEASX:WZRASX:EPYASX:HMYVMAAXPPYPLCOFBOM:500034IST:QNBFLDFSBOM:543257SYF
Traded in other countries / regions
HUM.AustraliaF5L.GermanyHUMGF.USA
IPO Date
2007-01-17
Description
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

3/10
Name Current Vs Industry Vs History
Cash-To-Debt 1.08
Equity-to-Asset 0.11
Debt-to-Equity 7.86
Debt-to-EBITDA 19.62
Interest Coverage 0.67
Piotroski F-Score 4/9
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 0.37
Distress
Grey
Safe
Beneish M-Score -1.4
Manipulator
Not Manipulator
WACC vs ROIC
WACC
ROIC

Growth Rank

5/10
Name Current Vs Industry Vs History
3-Year Revenue Growth Rate -3.8
3-Year EBITDA Growth Rate 4.5
3-Year EPS without NRI Growth Rate -40.2
3-Year Book Growth Rate -4.9
Future 3-5Y Total Revenue Growth Rate 12.61

Momentum Rank

8/10
Name Current Vs Industry Vs History

Liquidity Ratio

Name Current Vs Industry Vs History
Current Ratio 1.08
Quick Ratio 1.08
Cash Ratio 1.05
Days Inventory 25.83
Days Sales Outstanding 135.87
Days Payable 622.11

Dividend & Buy Back

Name Current Vs Industry Vs History
3-Year Dividend Growth Rate -31.6
3-Year Average Share Buyback Ratio -7.4
Shareholder Yield % -427.76

Profitability Rank

7/10
Name Current Vs Industry Vs History
Gross Margin % 93.66
Operating Margin % 30.26
Net Margin % -2.11
FCF Margin % -163.18
ROE % -1.73
ROA % -0.22
ROIC % 2.11
ROC (Joel Greenblatt) % 256.74
ROCE % 34.03
Years of Profitability over Past 10-Year 8

GF Value Rank

8/10
Name Current Vs Industry Vs History
Forward PE Ratio 9
Shiller PE Ratio 4.61
PS Ratio 0.45
PB Ratio 0.39
Price-to-Tangible-Book 0.5
EV-to-EBIT -0.61
EV-to-EBITDA -0.55
EV-to-Revenue -0.25
EV-to-FCF 0.15
Price-to-Median-PS-Value 0.31
Price-to-Net-Current-Asset-Value 0.63
Price-to-Net-Cash 0.96
Earnings Yield (Greenblatt) % -163.93
FCF Yield % -356.21
Forward Rate of Return (Yacktman) % 52.01

Financials (Next Earnings Date:2024-08-23 Est.)

HUMGF's 30-Y Financials
AAPL
Income Statement Breakdown
No Enough Data
AAPL
Balance Sheet Breakdown
No Enough Data
AAPL
Cashflow Statement Breakdown
No Enough Data

Historical Operating Revenue by Business Segment

Historical Operating Revenue by Geographic Region

5-Step DuPont Analysis as of
No Enough Data

Guru Trades

See Details
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Insider Trades

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Gurus Latest Trades with OTCPK:HUMGF

No Available Data

Peter Lynch Chart

Y-axis scale:
Interactive Chart
To

Performance

Dividend
Log
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To

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
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2015

Humm Group Ltd Executives

Details

GF Value: $2.68

HUMGF

Valuation Chart

Year:

Analyst Estimate

Key Statistics

Name Value
Revenue (TTM) (Mil $) 336.632
EPS (TTM) ($) -0.014
Beta 0
Volatility % 0.66
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) 511.32

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

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 2024-08-23 Est..
Does Humm Group Ltd(HUMGF) pay dividends? If so, how much?
Humm Group Ltd(HUMGF) does not pay dividend.

Press Release

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