Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesHumm Group Ltd

Humm Group Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.48 AUD -0.01 ( 1.03%)
Last update at 2026-11-06T05:10:00Z
VOLUME
209901
Market Cap
248.18M
P/E
16.17

Momentum Score

…

Humm Group Limited, together with its subsidiaries, provides various financial products and services in Australia, New Zealand, Ireland, the United Kingdom, and Canada. The company operates through Commercial and Leasing, Point of Sale Payment Plans (PosPP), New Zealand Cards, and Australia Cards segments. It 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. The company 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.47
Low
0.49
High
52 Week Price Range
0.37
Low
0.77
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Humm Group Ltd offers consumer and commercial point-of-sale finance and buy‑now‑pay‑later services in Australia, New Zealand and select international markets. Long-term growth may be supported by rising consumer demand for flexible payments, expansion of merchant partnerships and digital scale. The company may appeal to investors because of recurring finance revenues and an established merchant distribution model.
Material risks include credit and funding exposure plus competitive and regulatory pressure in the BNPL and consumer finance sector, which could increase loan losses, compress margins or constrain growth.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.48
Dividend Yield
4.12%
Revenue TTM
252.70M
Revenue Per Share
0.51
Gross Profit TTM
145.50M
Debt / Equity
8.31
ROE
3.02%
Net Debt
4203.20M
ROCE
8.03%
Diluted EPS TTM
0.03

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 19.70M 49.50M 8.20M 0.80M -183.80M
Net income 15.70M 39.60M 7.10M 2.90M -170.30M
Selling general administrative 98.10M 91.40M 91.90M 87.20M 91.60M
Selling and marketing expenses - 10.70M 11.10M 13.70M 21.20M
Gross profit 572.40M 619.60M 243.70M 248.00M 292.90M
Reconciled depreciation 17.80M 18.50M 21.00M 21.00M 37.20M
Ebit 300.60M 351.60M 294.90M 176.70M 133.10M
Ebitda 318.40M 370.10M 315.90M 197.70M 169.60M
Depreciation and amortization 17.80M 18.50M 21.00M 21.00M 36.50M
Operating income 315.50M 347.10M 140.70M 147.10M 180.10M
Other operating expenses 318.90M 306.50M 103.00M 100.90M 112.80M
Interest expense 280.90M 302.10M 279.60M 168.10M 84.10M
Tax provision 4.00M 9.90M 1.10M -2.10M -13.50M
Net interest income -280.90M -302.10M -279.60M -168.10M -84.10M
Income tax expense 4.00M 9.90M 1.10M -2.10M -13.50M
Total revenue 634.40M 653.60M 243.70M 248.00M 292.90M
Total operating expenses 256.90M 272.50M 103.00M 100.90M 112.80M
Cost of revenue 62.00M 34.00M 28.60M 54.50M 27.60M
Total other income expense net -295.80M -297.60M -132.50M -146.30M -363.90M
Net income from continuing ops 15.70M 39.60M 7.10M 2.90M -170.30M
Net income applicable to common shares - 34.20M 1.90M -1.70M -174.30M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 5077.10M 5338.30M 5416.20M 4768.80M 3766.70M
Intangible assets 122.60M 38.80M 41.00M 47.20M 45.40M
Other current assets 17.70M 21.10M -2576.50M 8.90M 5.40M
Total liab 4541.60M 4835.10M 4890.90M 4142.70M 3139.00M
Total stockholder equity 535.50M 503.20M 525.30M 626.10M 627.70M
Deferred long term liab - - - 5.50M 2.70M
Other current liab - 8.20M 12.00M 15.20M 44.20M
Common stock 460.00M - 445.50M 458.20M 507.60M
Capital stock 460.00M 445.10M 499.10M 511.80M 507.60M
Retained earnings 70.70M 69.50M 49.80M 58.90M 74.50M
Other liab - - - 38.60M 29.80M
Good will 77.50M 87.50M 90.60M 86.40M 84.80M
Other assets - - - 53.80M 37.70M
Cash 246.80M 323.30M 281.20M 112.30M 281.00M
Cash and equivalents - - - - 281.00M
Total current liabilities 1331.50M 4788.30M 4834.70M 1436.60M 3137.50M
Current deferred revenue - - 3559.70M - 32.70M
Net debt 4203.20M 4347.50M 4490.70M 3680.10M 2760.50M
Short term debt 1331.50M - 1203.00M 0.00M 3041.50M
Short long term debt 4434.20M 4670.80M 4707.80M 4016.20M 3025.50M
Short long term debt total 4450.00M - 4771.90M - 3041.50M
Other stockholder equity - - -0.00M 109.00M 99.20M
Property plant equipment - - - 13.50M 16.70M
Total current assets 2341.30M 5134.00M 5198.50M 4567.90M 3515.80M
Long term investments - - - - 0.30M
Net tangible assets - - - 492.50M 497.50M
Net receivables 2094.50M - 2295.30M 4154.40M 3227.30M
Long term debt - - - 4016.20M 3025.50M
Inventory - - - - 2.10M
Accounts payable 48.80M 57.90M 60.00M 59.10M 51.80M
Accumulated other comprehensive income 4.80M - 30.00M - 45.60M
Non currrent assets other 71.50M - -4984.40M - 132.00M
Non current assets total 2735.80M 204.30M 217.70M 254.70M 250.90M
Capital lease obligations 15.80M 9.80M 10.50M 13.60M 16.00M
Long term debt total - - - 4029.80M 3041.50M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - -21.30M -13.50M -18.00M 8.50M
Change to liabilities - - - -3.20M -19.60M
Total cashflows from investing activities -22.50M -21.30M -13.50M -18.00M -14.80M
Net borrowings -128.20M -90.70M 673.90M 967.30M 615.30M
Total cash from financing activities -138.80M -115.20M 640.90M 952.90M 600.90M
Change to operating activities - - - -1012.10M -627.40M
Net income 15.70M 39.60M 7.10M 2.90M -170.30M
Change in cash -76.50M 42.10M -54.90M 55.10M 62.80M
Begin period cash flow 323.30M 281.20M 336.10M 281.00M 218.20M
End period cash flow 246.80M 323.30M 281.20M 336.10M 281.00M
Total cash from operating activities 92.00M 179.00M -682.50M -882.70M -520.90M
Issuance of capital stock - - - - 0.30M
Depreciation 17.80M - 21.00M 21.00M 19.30M
Other cashflows from investing activities - 0.00M 1.50M 0.00M 8.50M
Dividends paid 7.60M 19.20M 13.00M 14.40M 14.10M
Change to inventory - - - - -1.10M
Change to account receivables -22.90M 23.90M -821.90M -1013.90M -641.70M
Sale purchase of stock - -1.70M -10.00M 0.00M -0.30M
Other cashflows from financing activities -3.00M -3.60M -10.00M -3.80M 615.30M
Change to netincome - - - 101.00M 272.80M
Capital expenditures 1.10M 21.30M 15.00M 18.00M 23.30M
Change in working capital -46.40M 27.00M -819.60M -1007.60M -636.30M
Stock based compensation - - 2.91M 1.51M 0.87M
Other non cash items 104.90M 152.00M 109.00M 1143.30M 271.93M
Free cash flow 90.90M 157.70M -697.50M -900.70M -23.30M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
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		 -0.01
1.03%		 0.48 16.17 9.81 0.98 0.46 7.14 13.98
ZIP
ZIP Co Ltd		 -0.12
5.61%		 2.02 20.10 12.32 1.87 3.53 3.52 11.32
CCP
Credit Corp Group Ltd		 0.07
0.45%		 15.64 10.05 8.78 2.22 1.13 2.50 7.39
LFG
Liberty Financial Group		 -
-%		 3.35 7.13 6.71 1.63 0.86 40.84 11.07
LFS
Latitude Group Holdings Ltd		 0.04
4.22%		 0.86 9.22 - 1.59 0.66 6.49 13.37

Profile*

Humm Group Ltd

Humm Group Limited, together with its subsidiaries, provides various financial products and services in Australia, New Zealand, Ireland, the United Kingdom, and Canada. The company operates through Commercial and Leasing, Point of Sale Payment Plans (PosPP), New Zealand Cards, and Australia Cards segments. It 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. The company 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.

255 Pitt Street, Sydney, NSW, Australia, 2000

61 2 8905 2000

https://www.shophumm.com/humm-group

529

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.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

ITH
CAD 2.15
+27.68%
HG
CAD 4.11
+19.13%
PPTA
CAD 27.74
+17.99%
UCU
CAD 2.10
+17.32%
GAU
CAD 3.49
+16.72%
TSU
CAD 29.67
-29.71%
PXT
CAD 19.73
-16.91%
LAS-A
CAD 230.50
-9.25%
IFP
CAD 13.50
-8.35%
NFI
CAD 24.01
-7.80%

Equity Sectors*

  • Basic Materials

    +3.74%

  • Communication Services

    +0.56%

  • Consumer Cyclical

    -0.34%

  • Consumer Defensive

    +0.11%

  • Energy

    +1.33%

  • Financial Services

    -0.26%

  • Healthcare

    +2.54%

  • Industrials

    -0.11%

  • Real Estate

    -0.23%

  • Technology

    +1.91%

  • Utilities

    +1.05%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…