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Humm Group Ltd

Financial Services AU HUM

0.45AUD
-0.015(3.23%)

Last update at 2024-05-02T06:10:00Z

Day Range

0.450.46
LowHigh

52 Week Range

0.360.72
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax 0.80M -183.80000M 81.90M 24.70M 90.90M
Minority interest - - - - -
Net income 2.90M -170.30000M 60.10M 21.40M 61.70M
Selling general administrative 87.20M 91.60M 86.70M 92.90M 97.40M
Selling and marketing expenses 13.70M 23.90M 30.00M 23.70M 14.70M
Gross profit 455.90M 408.30M 410.50M 441.00M 458.50M
Reconciled depreciation 21.00M 37.20M 25.80M 21.40M 17.10M
Ebit 176.70M 107.80M 156.10M 115.50M 202.00M
Ebitda 197.70M 145.00M 181.90M 136.90M 219.10M
Depreciation and amortization 21.00M 37.20M 25.80M 21.40M 17.10M
Non operating income net other - - - - -
Operating income 176.70M 107.80M 156.10M 115.50M 202.00M
Other operating expenses 333.70M 332.60M 279.40M 359.60M 289.60M
Interest expense 168.10M 84.10M 74.20M 89.30M 100.60M
Tax provision -2.10000M -13.50000M 21.80M 3.30M 29.20M
Interest income - - - - -
Net interest income -168.10000M -84.10000M -74.20000M -89.30000M -100.60000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -2.10000M -13.50000M 21.80M 3.30M 29.20M
Total revenue 510.40M 435.90M 437.30M 465.70M 477.40M
Total operating expenses 279.20M 305.00M 252.60M 334.90M 270.70M
Cost of revenue 54.50M 27.60M 26.80M 24.70M 18.90M
Total other income expense net -175.90000M -203.00000M 1.60M 7.90M 3.70M
Discontinued operations - - - - -
Net income from continuing ops 2.90M -170.30000M 60.10M 21.40M 61.70M
Net income applicable to common shares -1.70000M -174.30000M 57.10M 21.00M 60.30M
Preferred stock and other adjustments - - - - -
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Total assets 4768.80M 3766.70M 3299.40M 3046.40M 3108.90M
Intangible assets 47.20M 45.40M 110.90M 113.70M 102.00M
Earning assets - - - - -
Other current assets 8.90M 5.40M 8.50M 1.70M 15.20M
Total liab 4142.70M 3139.00M 2540.30M 2459.90M 2492.80M
Total stockholder equity 626.10M 627.70M 759.10M 586.50M 616.10M
Deferred long term liab 5.50M 2.70M - - -
Other current liab 15.20M 44.20M 54.30M 81.00M 35.70M
Common stock 458.20M 507.60M 507.60M 393.10M 390.10M
Capital stock 511.80M 507.60M 507.60M 393.10M 390.10M
Retained earnings 58.90M 74.50M 258.90M 211.20M 223.20M
Other liab 38.60M 29.80M 22.00M 16.20M 18.50M
Good will 86.40M 84.80M 239.20M 239.90M 244.30M
Other assets 53.80M 37.70M 46.30M 48.20M 12.30M
Cash 112.30M 281.00M 218.20M 157.50M 143.10M
Cash and equivalents - 281.00M - - -
Total current liabilities 1436.60M 3137.50M 813.10M 1400.50M 1533.40M
Current deferred revenue - 32.70M 46.50M 73.50M -
Net debt 3680.10M 2760.50M 2206.90M 2154.10M 2244.60M
Short term debt 0.00000M 3041.50M 702.60M 1252.20M 1438.00M
Short long term debt 4016.20M 3025.50M 684.00M 1235.70M 1438.00M
Short long term debt total - 3041.50M 2425.10M 2311.60M 2387.70M
Other stockholder equity 109.00M 99.20M 46.20M 35.80M 53.70M
Property plant equipment 13.50M 16.70M 21.10M 19.90M 8.70M
Total current assets 4567.90M 3515.80M 2880.80M 2613.70M 1807.80M
Long term investments - 0.30M 1.10M 14.30M 13.70M
Net tangible assets 492.50M 497.50M 409.00M 236.20M 269.80M
Short term investments - - - - -
Net receivables 4154.40M 3227.30M 2653.10M 2452.60M 1647.70M
Long term debt 4016.20M 3025.50M 1722.50M 1059.40M 949.70M
Inventory - 2.10M 1.00M 1.90M 1.80M
Accounts payable 59.10M 51.80M 56.20M 67.30M 59.70M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 45.60M -7.40000M -17.80000M 2.80M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - 132.00M - - 1840.20M
Deferred long term asset charges - - - - -
Non current assets total 254.70M 250.90M 418.60M 432.70M 1301.10M
Capital lease obligations 13.60M 16.00M 18.60M 16.50M -
Long term debt total 4029.80M 3041.50M 2425.10M 2311.60M 2387.70M
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Investments -18.00000M 8.50M -2.20000M -2.20000M -2.20000M
Change to liabilities -3.20000M -19.60000M 1.90M -25.80000M 3.90M
Total cashflows from investing activities -18.00000M -14.80000M -31.30000M -31.70000M -377.00000M
Net borrowings 967.30M 615.30M 85.00M -76.30000M 225.30M
Total cash from financing activities 952.90M 600.90M 203.40M -91.50000M 225.00M
Change to operating activities -1012.10000M -627.40000M -266.20000M -49.30000M 6.50M
Net income 2.90M -170.30000M 60.10M 23.10M 61.70M
Change in cash 55.10M 62.80M 60.70M 14.40M 14.90M
Begin period cash flow 281.00M 218.20M 157.50M 143.10M 128.20M
End period cash flow 336.10M 281.00M 218.20M 157.50M 143.10M
Total cash from operating activities -882.70000M -520.90000M -110.60000M 138.50M 165.40M
Issuance of capital stock - 0.30M 111.30M - 25.10M
Depreciation 21.00M 19.30M 8.40M 8.70M 6.70M
Other cashflows from investing activities 0.00000M 8.50M -2.20000M -56.90000M -350.30000M
Dividends paid 14.40M 14.10M 19.50M 15.20M 28.80M
Change to inventory - -1.10000M 0.90M -0.10000M 0.80M
Change to account receivables -1013.90000M -641.70000M -261.40000M -33.60000M -12.40000M
Sale purchase of stock 0.00000M -0.30000M 269.30M 0.00000M -0.10000M
Other cashflows from financing activities 1938.40M 615.30M 263.90M 295.20M 462.80M
Change to netincome 101.00M 272.80M 68.50M 148.20M 98.40M
Capital expenditures 18.00M 23.30M 29.10M 31.70M 26.70M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -1007.60000M -636.30000M -263.20000M -56.90000M -15.70000M
Stock based compensation 1.51M 0.87M 2.73M 0.27M 0.74M
Other non cash items 1143.30M 271.93M 65.77M 147.93M 97.66M
Free cash flow -900.70000M -23.30000M -29.10000M -31.70000M -26.70000M

Fundamentals

  • Previous Close 0.47
  • Market Cap230.09M
  • Volume283813
  • P/E Ratio-
  • Dividend Yield3.33%
  • EBITDA-
  • Revenue TTM236.10M
  • Revenue Per Share TTM0.70
  • Gross Profit TTM 127.90M
  • Diluted EPS TTM-0.02

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
HUM
Humm Group Ltd		 -0.015 3.23% 0.45 - 9.50 1.03 0.42 7.76 -0.4951
ZIP
Zip Co Limited		 -0.02 1.59% 1.24 - 217.39 1.85 3.48 5.03 13.57
LFG
Liberty Financial Group Pty Ltd		 0.01 0.25% 3.98 6.75 5.55 1.84 0.99 11.31 11.82
LFS
Latitude Financial Services Group Limited		 -0.005 0.43% 1.16 - - 2.99 0.98 6.99 27.09
CCP
Credit Corp Group Ltd		 0.02 0.13% 15.70 22.75 13.91 3.28 1.53 3.51 14.90

Reports Covered

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Profile

Humm Group Limited provides various financial services in Australia, New Zealand, Ireland, the United Kingdom, and Canada. The company operates through four segments: Point of Sale Payment Plans (PosPP), New Zealand Cards, Australia Cards, and Commercial. It offers long term interest free finance and everyday spend solutions under the humm90 brand; Q Mastercard, an interest free credit card; FlexiCommercial, a business financing solution, which includes leasing and chattel mortgages for small and medium businesses; and leasing solutions and small and medium enterprise financing services. The company was formerly known as FlexiGroup Limited and changed its name to Humm Group Limited in November 2020. Humm Group Limited was founded in 1988 and is headquartered in Sydney, Australia.

Humm Group Ltd

121 Harrington Street, Sydney, NSW, Australia, 2000

Key Executives

Name Title Year Born
Mr. Andrew J. Abercrombie BEc, L.L.B., LLB, M.B.A., MBA Founding Non-Independent Non-Exec. Chairman 1956
Ms. Rebecca James Group Chief Exec. Officer NA
Mr. Adrian Fisk Chief Financial Officer NA
Mr. Vaughan Dixon Chief Information Officer NA
Mr. Suk Hee Lee Head of Investor Relations NA
Ms. Christina Seppelt BECON, L.L.B. Group Gen. Counsel, Group Head of Operational Risk & Compliance and Company Sec. NA
Mr. Andrew Murrell Chief Sales and Marketing Officer & Country Mang. of New Zealand NA
Ms. Natalie Jane Nicholson Chief People & Corp. Affairs Officer NA
Mr. Jonathan Kelly Group Head of Product & Innovation NA
Mr. Tim Lord Group Chief Credit Officer NA

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