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Humm Group Ltd

Financial Services AU HUM

0.665AUD
-0.005(0.75%)

Last update at 2026-03-11T05:10:00Z

Day Range

0.660.68
LowHigh

52 Week Range

0.420.78
LowHigh

Fundamentals

  • Previous Close 0.67
  • Market Cap330.05M
  • Volume469016
  • P/E Ratio13.20
  • Dividend Yield3.41%
  • Revenue TTM269.20M
  • Revenue Per Share TTM0.65
  • Gross Profit TTM 162.10M
  • Diluted EPS TTM0.05

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 49.50M 8.20M 0.80M -183.80000M 81.90M
Minority interest - - - - -
Net income 39.60M 7.10M 2.90M -170.30000M 60.10M
Selling general administrative 91.40M 91.90M 87.20M 91.60M 81.10M
Selling and marketing expenses 10.70M 11.10M 13.70M 21.20M 30.00M
Gross profit 619.60M 243.70M 248.00M 292.90M 311.00M
Reconciled depreciation 18.50M 21.00M 21.00M 37.20M 25.80M
Ebit 351.60M 294.90M 176.70M 133.10M 156.10M
Ebitda 370.10M 315.90M 197.70M 169.60M 181.90M
Depreciation and amortization 18.50M 21.00M 21.00M 36.50M 25.80M
Non operating income net other - - - - -
Operating income 347.10M 140.70M 147.10M 180.10M 199.90M
Other operating expenses 306.50M 103.00M 100.90M 112.80M 111.10M
Interest expense 302.10M 279.60M 168.10M 84.10M 74.20M
Tax provision 9.90M 1.10M -2.10000M -13.50000M 21.80M
Interest income - - - - -
Net interest income -302.10000M -279.60000M -168.10000M -84.10000M -74.20000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 9.90M 1.10M -2.10000M -13.50000M 21.80M
Total revenue 653.60M 243.70M 248.00M 292.90M 311.00M
Total operating expenses 272.50M 103.00M 100.90M 112.80M 111.10M
Cost of revenue 34.00M 28.60M 54.50M 27.60M 26.80M
Total other income expense net -297.60000M -132.50000M -146.30000M -363.90000M -118.00000M
Discontinued operations - - - - -
Net income from continuing ops 39.60M 7.10M 2.90M -170.30000M 60.10M
Net income applicable to common shares 34.20M 1.90M -1.70000M -174.30000M 57.10M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 5338.30M 5416.20M 4768.80M 3766.70M 3299.40M
Intangible assets 38.80M 41.00M 47.20M 45.40M 110.90M
Earning assets - - - - -
Other current assets 21.10M -2576.50000M 8.90M 5.40M 8.50M
Total liab 4835.10M 4890.90M 4142.70M 3139.00M 2540.30M
Total stockholder equity 503.20M 525.30M 626.10M 627.70M 759.10M
Deferred long term liab - - 5.50M 2.70M -
Other current liab 8.20M 12.00M 15.20M 44.20M 54.30M
Common stock - 445.50M 458.20M 507.60M 507.60M
Capital stock 445.10M 499.10M 511.80M 507.60M 507.60M
Retained earnings 69.50M 49.80M 58.90M 74.50M 258.90M
Other liab - - 38.60M 29.80M 22.00M
Good will 87.50M 90.60M 86.40M 84.80M 239.20M
Other assets - - 53.80M 37.70M 46.30M
Cash 323.30M 281.20M 112.30M 281.00M 218.20M
Cash and equivalents - - - 281.00M -
Total current liabilities 4788.30M 4834.70M 1436.60M 3137.50M 813.10M
Current deferred revenue - 3559.70M - 32.70M 46.50M
Net debt 4347.50M 4490.70M 3680.10M 2760.50M 2206.90M
Short term debt - 1203.00M 0.00000M 3041.50M 702.60M
Short long term debt 4670.80M 4707.80M 4016.20M 3025.50M 684.00M
Short long term debt total - 4771.90M - 3041.50M 2425.10M
Other stockholder equity - -0.00000M 109.00M 99.20M 46.20M
Property plant equipment - - 13.50M 16.70M 21.10M
Total current assets 5134.00M 5198.50M 4567.90M 3515.80M 2880.80M
Long term investments - - - 0.30M 1.10M
Net tangible assets - - 492.50M 497.50M 409.00M
Short term investments - - - - -
Net receivables - 2295.30M 4154.40M 3227.30M 2653.10M
Long term debt - - 4016.20M 3025.50M 1722.50M
Inventory - - - 2.10M 1.00M
Accounts payable 57.90M 60.00M 59.10M 51.80M 56.20M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 30.00M - 45.60M -7.40000M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - -4984.40000M - 132.00M -
Deferred long term asset charges - - - - -
Non current assets total 204.30M 217.70M 254.70M 250.90M 418.60M
Capital lease obligations 9.80M 10.50M 13.60M 16.00M 18.60M
Long term debt total - - 4029.80M 3041.50M 2425.10M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments -21.30000M -13.50000M -18.00000M 8.50M -2.20000M
Change to liabilities - - -3.20000M -19.60000M 1.90M
Total cashflows from investing activities -21.30000M -13.50000M -18.00000M -14.80000M -31.30000M
Net borrowings -90.70000M 673.90M 967.30M 615.30M 85.00M
Total cash from financing activities -115.20000M 640.90M 952.90M 600.90M 203.40M
Change to operating activities - - -1012.10000M -627.40000M -266.20000M
Net income 39.60M 7.10M 2.90M -170.30000M 60.10M
Change in cash 42.10M -54.90000M 55.10M 62.80M 60.70M
Begin period cash flow 281.20M 336.10M 281.00M 218.20M 157.50M
End period cash flow 323.30M 281.20M 336.10M 281.00M 218.20M
Total cash from operating activities 179.00M -682.50000M -882.70000M -520.90000M -110.60000M
Issuance of capital stock - - - 0.30M 111.30M
Depreciation - 21.00M 21.00M 19.30M 8.40M
Other cashflows from investing activities 0.00000M 1.50M 0.00000M 8.50M -2.20000M
Dividends paid 19.20M 13.00M 14.40M 14.10M 19.50M
Change to inventory - - - -1.10000M 0.90M
Change to account receivables 23.90M -821.90000M -1013.90000M -641.70000M -261.40000M
Sale purchase of stock -1.70000M -10.00000M 0.00000M -0.30000M 269.30M
Other cashflows from financing activities -3.60000M -10.00000M -3.80000M 615.30M 263.90M
Change to netincome - - 101.00M 272.80M 68.50M
Capital expenditures 21.30M 15.00M 18.00M 23.30M 29.10M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 27.00M -819.60000M -1007.60000M -636.30000M -263.20000M
Stock based compensation - 2.91M 1.51M 0.87M 2.73M
Other non cash items 152.00M 109.00M 1143.30M 271.93M 65.77M
Free cash flow 157.70M -697.50000M -900.70000M -23.30000M -29.10000M

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		 -0.005 0.75% 0.67 13.20 4.89 1.23 0.65 7.24 13.64
ZIP
ZIP Co Ltd		 0.03 1.48% 1.71 23.02 15.60 1.92 3.41 3.79 11.48
LFG
Liberty Financial Group		 0.04 1.15% 3.53 7.81 7.05 1.82 0.96 9.61 0.17
LFS
Latitude Group Holdings Ltd		 - -% 0.95 11.88 - 1.83 0.79 6.48 13.48
PPM
Pepper Money Ltd		 0.01 0.44% 2.26 9.65 10.41 2.49 1.18 45.98

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Profile

Humm Group Limited, together with its subsidiaries, provides various financial products and services in Australia, New Zealand, Ireland, the United Kingdom, and Canada. It operates through Commercial and Leasing, Point of Sale Payment Plans (PosPP), New Zealand Cards, and Australia Cards segments. The company offers interest-free payment and repayment options to cover home renovation, veterinary, dental, optical, and fertility services, as well as furniture expenses under the humm brand; and long-term interest free finance and everyday spend solutions under the humm90 brand. It also provides Q Mastercard, an interest free credit card providing payment holiday options; and FlexiCommercial, a business financing solution, which includes leasing and chattel mortgages for small and medium businesses. 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

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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