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Humm Group Ltd

Financial Services AU HUM

0.68AUD
-0.005(0.73%)

Last update at 2024-12-19T05:11:00Z

Day Range

0.670.69
LowHigh

52 Week Range

0.390.90
LowHigh

Fundamentals

  • Previous Close 0.69
  • Market Cap329.48M
  • Volume242920
  • P/E Ratio67.00
  • Dividend Yield3.52%
  • EBITDA-
  • Revenue TTM243.70M
  • Revenue Per Share TTM0.49
  • Gross Profit TTM 127.90M
  • Diluted EPS TTM0.01

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Income before tax 8.20M 0.80M -183.80000M 81.90M 24.70M
Minority interest - - - - -
Net income 7.10M 2.90M -170.30000M 60.10M 21.40M
Selling general administrative 91.90M 87.20M 91.60M 86.70M 92.90M
Selling and marketing expenses 11.10M 13.70M 23.90M 30.00M 23.70M
Gross profit 589.00M 455.90M 408.30M 410.50M 441.00M
Reconciled depreciation 21.00M 21.00M 37.20M 25.80M 21.40M
Ebit 294.90M 176.70M 133.10M 156.10M 115.50M
Ebitda 315.90M 197.70M 169.60M 181.90M 136.90M
Depreciation and amortization 21.00M 21.00M 36.50M 25.80M 21.40M
Non operating income net other - - - - -
Operating income 294.90M 176.70M 107.80M 156.10M 115.50M
Other operating expenses 324.40M 333.70M 332.60M 279.40M 359.60M
Interest expense 279.60M 168.10M 84.10M 74.20M 89.30M
Tax provision 1.10M -2.10000M -13.50000M 21.80M 3.30M
Interest income - - - - -
Net interest income -279.60000M -168.10000M -84.10000M -74.20000M -89.30000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 1.10M -2.10000M -13.50000M 21.80M 3.30M
Total revenue 617.60M 510.40M 435.90M 437.30M 465.70M
Total operating expenses 589.00M 279.20M 305.00M 252.60M 334.90M
Cost of revenue 28.60M 54.50M 27.60M 26.80M 24.70M
Total other income expense net -286.70000M -146.30000M -416.60000M -118.00000M -110.00000M
Discontinued operations - - - - -
Net income from continuing ops 7.10M 2.90M -170.30000M 60.10M 21.40M
Net income applicable to common shares - -1.70000M -174.30000M 57.10M 21.00M
Preferred stock and other adjustments - - - - -
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 5416.20M 4768.80M 3766.70M 3299.40M 3046.40M
Intangible assets 41.00M 47.20M 45.40M 110.90M 113.70M
Earning assets - - - - -
Other current assets -2576.50000M 8.90M 5.40M 8.50M 1.70M
Total liab 4890.90M 4142.70M 3139.00M 2540.30M 2459.90M
Total stockholder equity 525.30M 626.10M 627.70M 759.10M 586.50M
Deferred long term liab - 5.50M 2.70M - -
Other current liab 12.00M 15.20M 44.20M 54.30M 81.00M
Common stock 445.50M 458.20M 507.60M 507.60M 393.10M
Capital stock 499.10M 511.80M 507.60M 507.60M 393.10M
Retained earnings 49.80M 58.90M 74.50M 258.90M 211.20M
Other liab - 38.60M 29.80M 22.00M 16.20M
Good will 90.60M 86.40M 84.80M 239.20M 239.90M
Other assets - 53.80M 37.70M 46.30M 48.20M
Cash 281.20M 112.30M 281.00M 218.20M 157.50M
Cash and equivalents - - 281.00M - -
Total current liabilities 4834.70M 1436.60M 3137.50M 813.10M 1400.50M
Current deferred revenue 3559.70M - 32.70M 46.50M 73.50M
Net debt 4490.70M 3680.10M 2760.50M 2206.90M 2154.10M
Short term debt 1203.00M 0.00000M 3041.50M 702.60M 1252.20M
Short long term debt 4707.80M 4016.20M 3025.50M 684.00M 1235.70M
Short long term debt total 4771.90M - 3041.50M 2425.10M 2311.60M
Other stockholder equity -0.00000M 109.00M 99.20M 46.20M 35.80M
Property plant equipment - 13.50M 16.70M 21.10M 19.90M
Total current assets 5198.50M 4567.90M 3515.80M 2880.80M 2613.70M
Long term investments - - 0.30M 1.10M 14.30M
Net tangible assets - 492.50M 497.50M 409.00M 236.20M
Short term investments - - - - -
Net receivables 2295.30M 4154.40M 3227.30M 2653.10M 2452.60M
Long term debt - 4016.20M 3025.50M 1722.50M 1059.40M
Inventory - - 2.10M 1.00M 1.90M
Accounts payable 60.00M 59.10M 51.80M 56.20M 67.30M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 30.00M - 45.60M -7.40000M -17.80000M
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 217.70M 254.70M 250.90M 418.60M 432.70M
Capital lease obligations 10.50M 13.60M 16.00M 18.60M 16.50M
Long term debt total - 4029.80M 3041.50M 2425.10M 2311.60M
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Investments -13.50000M -18.00000M 8.50M -2.20000M -2.20000M
Change to liabilities - -3.20000M -19.60000M 1.90M -25.80000M
Total cashflows from investing activities - -18.00000M -14.80000M -31.30000M -31.70000M
Net borrowings - 967.30M 615.30M 85.00M -76.30000M
Total cash from financing activities 640.90M 952.90M 600.90M 203.40M -91.50000M
Change to operating activities - -1012.10000M -627.40000M -266.20000M -49.30000M
Net income 7.10M 2.90M -170.30000M 60.10M 23.10M
Change in cash -54.90000M 55.10M 62.80M 60.70M 14.40M
Begin period cash flow 336.10M 281.00M 218.20M 157.50M 143.10M
End period cash flow 281.20M 336.10M 281.00M 218.20M 157.50M
Total cash from operating activities -682.50000M -882.70000M -520.90000M -110.60000M 138.50M
Issuance of capital stock - - 0.30M 111.30M -
Depreciation 21.00M 21.00M 19.30M 8.40M 8.70M
Other cashflows from investing activities - 0.00000M 8.50M -2.20000M -56.90000M
Dividends paid 13.00M 14.40M 14.10M 19.50M 15.20M
Change to inventory - - -1.10000M 0.90M -0.10000M
Change to account receivables -821.90000M -1013.90000M -641.70000M -261.40000M -33.60000M
Sale purchase of stock -10.00000M 0.00000M -0.30000M 269.30M 0.00000M
Other cashflows from financing activities -10.00000M -3.80000M 615.30M 263.90M 295.20M
Change to netincome - 101.00M 272.80M 68.50M 148.20M
Capital expenditures 15.00M 18.00M 23.30M 29.10M 31.70M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -819.60000M -1007.60000M -636.30000M -263.20000M -56.90000M
Stock based compensation 2.91M 1.51M 0.87M 2.73M 0.27M
Other non cash items 109.00M 1143.30M 271.93M 65.77M 147.93M
Free cash flow -697.50000M -900.70000M -23.30000M -29.10000M -31.70000M

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 0.73% 0.68 67.00 5.73 1.35 0.60 7.75 15.50
ZIP
Zip Co Limited		 -0.28 8.97% 2.84 295.00 384.62 4.44 9.53 6.75 16.29
LFS
Latitude Financial Services Group Limited		 - -% 1.15 - - 2.83 0.97 6.99 16.49
CCP
Credit Corp Group Ltd		 1.16 7.65% 16.33 22.09 12.21 2.95 1.37 3.78 13.92
LFG
Liberty Financial Group Pty Ltd		 0.04 1.23% 3.29 8.58 6.52 1.64 0.81 9.63 11.12

Reports Covered

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Profile

Humm Group Limited provides various financial products and 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; 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

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