Business Description
Humm Group Ltd
ISIN : AU0000121337
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 | |||||
| Altman Z-Score | 0.37 | |||||
| Beneish M-Score | -1.4 | |||||
| WACC vs 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
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 30.56 | |||||
| 9-Day RSI | 32.82 | |||||
| 14-Day RSI | 33.92 | |||||
| 6-1 Month Momentum % | 16.26 | |||||
| 12-1 Month Momentum % | 6.72 |
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 | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.97 | |||||
| 3-Year Dividend Growth Rate | -31.6 | |||||
| Forward Dividend Yield % | 3.41 | |||||
| 5-Year Yield-on-Cost % | 3.97 | |||||
| 3-Year Average Share Buyback Ratio | -7.4 | |||||
| Shareholder Yield % | -423.06 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 93.66 | |||||
| Operating Margin % | 30.26 | |||||
| Net Margin % | -2.11 | |||||
| FCF Margin % | -162.74 | |||||
| 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 | 8.73 | |||||
| Shiller PE Ratio | 4.66 | |||||
| PS Ratio | 0.45 | |||||
| PB Ratio | 0.39 | |||||
| Price-to-Tangible-Book | 0.5 | |||||
| EV-to-EBIT | -0.6 | |||||
| EV-to-EBITDA | -0.55 | |||||
| EV-to-Revenue | -0.25 | |||||
| EV-to-Forward-Revenue | 3.21 | |||||
| EV-to-FCF | 0.15 | |||||
| Price-to-Median-PS-Value | 0.31 | |||||
| Price-to-Net-Current-Asset-Value | 0.63 | |||||
| Price-to-Net-Cash | 0.98 | |||||
| Earnings Yield (Greenblatt) % | -164.9 | |||||
| FCF Yield % | -353.67 | |||||
| Forward Rate of Return (Yacktman) % | 51.37 |
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Humm Group Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 310.535 | ||
| EPS (TTM) (€) | -0.013 | ||
| Beta | 1.97 | ||
| Volatility % | 49.99 | ||
| 14-Day RSI | 33.92 | ||
| 14-Day ATR (€) | 0.003802 | ||
| 20-Day SMA (€) | 0.2753 | ||
| 12-1 Month Momentum % | 6.72 | ||
| 52-Week Range (€) | 0.228 - 0.424 | ||
| 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
| Event | Date | Price(€) | ||
|---|---|---|---|---|
| No Event Data | ||||
Humm Group Ltd Frequently Asked Questions
What is Humm Group Ltd(FRA:F5L)'s stock price today?
The current price of FRA:F5L is €0.26. The 52 week high of FRA:F5L is €0.42 and 52 week low is €0.23.
When is next earnings date of Humm Group Ltd(FRA:F5L)?
The next earnings date of Humm Group Ltd(FRA:F5L) is 2024-08-23 Est..
Does Humm Group Ltd(FRA:F5L) pay dividends? If so, how much?
The Dividend Yield %  of Humm Group Ltd(FRA:F5L) is 3.97% (As of Today), Highest Dividend Payout Ratio of Humm Group Ltd(FRA:F5L) was 2. The lowest was 0.44. And the median was 0.48. The  Forward Dividend Yield % of Humm Group Ltd(FRA:F5L) is 3.41%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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