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Humm Group Limited (HUM.AX)
AUD0.46
+0.01 (+1.10%)
AU ASX Financial Services Financial - Credit Services
Address
121 Harrington Street 2000
Sydney, NSW, AU
Sydney, NSW, AU
CEO
Angelo R. Demasi
Website
shophumm.com/humm-group
IPO
2006-12-11
ISIN AU0000121337
Description
Established in Sydney, Australia in 1988, Humm Group Limited (which operated as FlexiGroup Limited until November 2020) provides a diverse range of financial services across Australia, New Zealand, Ireland, the United Kingdom, and Canada. The company's operations are divided into four key segments: Buy Now, Pay Later (BNPL), New Zealand Cards, Australia Cards, and Commercial & Leasing. Humm Group offers a broad portfolio of financial products, including the 'bundll' brand for its buy now, pay later solution, and 'humm', an interest-free payment platform with flexible repayment options. They also provide long-term interest-free finance and everyday spending solutions under the 'humm90' brand, as well as the 'Q Mastercard', an interest-free credit card. For small to medium-sized businesses, the company provides 'humm pro', a BNPL solution, and 'FlexiCommercial', which offers business financing, leasing arrangements, and chattel mortgages, alongside general leasing and SME financing services.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
AUD0.46
+0.01 (+1.10%)
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Volume Profile
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Liquidity & share structure
Average Volume
817.0K
Beta
1.60
Float Shares
258.12M
Free Float %
51.2%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -3.28% | -7.09% | -15.71% | -4.07% | -15.71% | +29.67% | +37.21% | -41.58% | -72.43% | -69.43% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
0.46
DCF (Unlevered)
11.69
+2,441.6%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.87
Grey zone
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+7.6% Q4'25: +9.1% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+2,015.8% ★ Q4'25: +264.7% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+10.0% Q4'25: +4.3% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+52.8% ★ Q4'25: +50.1% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+5.8% ★ Q4'25: +10.7% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%-1.5% ★ Q4'25: +0.3% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×12.65× Q4'25: 6.85× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jun 2015 actual |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 1 Rev. Ana. 2 EPS Ana. |
Jun 2027 1 Rev. Ana. 2 EPS Ana. |
Jun 2028 1 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
340.80M
est: 346.88M (-1.8%)
|
396.40M
est: 392.76M (+0.9%)
|
462.80M
est: 419.51M (+10.3%)
|
478.90M
est: 467.70M (+2.4%)
|
488.40M
est: 481.79M (+1.4%)
|
478.40M
est: 427.26M (+12.0%)
|
444.40M
est: 423.73M (+4.9%)
|
440.40M
est: 452.34M (-2.6%)
|
510.40M
est: 489.00M (+4.4%)
|
619.30M
est: 624.90M (-0.9%)
|
666.60M
est: 500.15M (+33.3%)
|
333.20M
333.20M – 333.20M
-33.4% YoY
|
346.30M
346.30M – 346.30M
+3.9% YoY
|
388.40M
388.40M – 388.40M
+12.2% YoY
|
| EBITDA |
189.90M
est: 244.72M (-22.4%)
|
163.00M
est: 277.08M (-41.2%)
|
240.40M
est: 295.95M (-18.8%)
|
127.60M
est: 329.95M (-61.3%)
|
208.60M
est: 339.89M (-38.6%)
|
135.40M
est: 301.42M (-55.1%)
|
181.90M
est: 298.93M (-39.1%)
|
-63.20M
est: 319.11M (-119.8%)
|
189.90M
est: 344.97M (-45.0%)
|
308.80M
est: 211.43M (+46.1%)
|
370.10M
est: 169.22M (+118.7%)
|
112.74M
112.74M – 112.74M
-33.4% YoY
|
117.17M
117.17M – 117.17M
+3.9% YoY
|
131.41M
131.41M – 131.41M
+12.2% YoY
|
| EBIT |
180.50M
est: 242.75M (-25.6%)
|
148.70M
est: 274.86M (-45.9%)
|
224.20M
est: 293.58M (-23.6%)
|
110.10M
est: 327.30M (-66.4%)
|
191.50M
est: 337.16M (-43.2%)
|
116.40M
est: 299.00M (-61.1%)
|
156.10M
est: 296.53M (-47.4%)
|
-99.70M
est: 316.55M (-131.5%)
|
168.90M
est: 342.21M (-50.6%)
|
287.80M
est: 180.97M (+59.0%)
|
351.60M
est: 144.84M (+142.8%)
|
96.49M
96.49M – 96.49M
-33.4% YoY
|
100.29M
100.29M – 100.29M
+3.9% YoY
|
112.48M
112.48M – 112.48M
+12.2% YoY
|
| Net Income |
82.70M
est: 135.77M (-39.1%)
|
50.20M
est: 133.54M (-62.4%)
|
87.40M
est: 116.86M (-25.2%)
|
-9.10M
est: 107.48M (-108.5%)
|
61.70M
est: 100.78M (-38.8%)
|
23.10M
est: 56.42M (-59.1%)
|
60.10M
est: 70.59M (-14.9%)
|
-170.30M
est: -150.63M (-13.1%)
|
2.90M
est: 4.93M (-41.1%)
|
7.10M
est: 1.90M (+273.7%)
|
39.60M
est: 54.92M (-27.9%)
|
27.87M
25.15M – 34.45M
-49.2% YoY
|
50.98M
47.68M – 54.27M
+82.9% YoY
|
64.92M
55.62M – 74.21M
+27.3% YoY
|
| SGA |
69.00M
est: 119.89M (-42.4%)
|
79.20M
est: 135.74M (-41.7%)
|
99.00M
est: 144.99M (-31.7%)
|
102.90M
est: 161.64M (-36.3%)
|
105.20M
est: 166.51M (-36.8%)
|
109.70M
est: 147.67M (-25.7%)
|
111.10M
est: 146.45M (-24.1%)
|
112.80M
est: 156.33M (-27.8%)
|
100.90M
est: 169.00M (-40.3%)
|
103.00M
est: 127.89M (-19.5%)
|
102.10M
est: 102.36M (-0.3%)
|
68.19M
68.19M – 68.19M
-33.4% YoY
|
70.87M
70.87M – 70.87M
+3.9% YoY
|
79.49M
79.49M – 79.49M
+12.2% YoY
|
| EPS |
0.26
est: 0.28 (-5.7%)
|
0.14
est: 0.27 (-48.4%)
|
0.23
est: 0.24 (-3.1%)
|
-0.02
est: 0.22 (-111.1%)
|
0.16
est: 0.20 (-21.8%)
|
0.05
est: 0.11 (-53.5%)
|
0.12
est: 0.14 (-16.3%)
|
-0.35
est: -0.31 (-14.4%)
|
0.00
est: 0.01 (-134.0%)
|
0.00
est: 0.01 (-46.8%)
|
0.08
est: 0.11 (-26.3%)
|
0.06
0.05 – 0.07
-45.7% YoY
|
0.10
0.10 – 0.11
+71.1% YoY
|
0.13
0.11 – 0.15
+27.3% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-28 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-27 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-26 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-25 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-22 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-21 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-20 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-19 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-18 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-15 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-14 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-13 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-12 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-11 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-08 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-04 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-01 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-24 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-22 | B- | 2/5 | 1/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-21 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-20 | B- | 3/5 | 1/5 | 2/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-103.97M
OE per share TTM
-0.24
Owner's Yield
-35.50%
Maintenance CapEx ratio
72.46%
Maint CapEx / Avg PPE
2.7%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 22 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | BetaShares - Australian Small Companies Select ETF SMLL.AX | 0.14% | 319.6K | 0.39% |
| 2 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.00% | 375.6K | 0.06% |
| 3 | Avantis International Small Cap Value ETF AVDV | 0.00% | 370.6K | 0.36% |
| 4 | Vanguard FTSE Pacific ETF VPL | 0.00% | 168.8K | 0.07% |
| 5 | Avantis Responsible International Equity ETF AVSD | 0.00% | 4.5K | 0.23% |
| 6 | Vanguard FTSE Developed Asia Pacific All Cap Index ETF VA.TO | 0.00% | 1.6K | 0.22% |
| 7 | Vanguard FTSE Developed All Cap ex North America Index ETF (CAD-hedged) VI.TO | 0.00% | 2.8K | 0.22% |
| 8 | Vanguard FTSE Developed All Cap ex North America Index ETF VIU.TO | 0.00% | 32.7K | 0.23% |
| 9 | Vanguard ESG International Stock ETF VSGX | 0.00% | 22.6K | 0.10% |
| 10 | Vanguard FTSE Developed All Cap ex U.S. Index ETF (CAD-hedged) VEF.TO | 0.00% | 2.8K | 0.22% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
616.8K
Shares Outstanding
504.42M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Angelo R. Demasi | Group CEO, MD & Director | 830.7K | male |
| Andrew J. Abercrombie | Non-Executive Director | 197.7K | male |
| Carlie Bangs | Senior Legal Counsel | — | female |
| Charly Duffy | Acting Company Secretary | — | female |
| David Grevler | Head of FP&A and Investor Relations | — | — |
| Olivia Meo-Groser | Group General Counsel | — | female |
| Paris George | Acting Chief Legal Officer | — | male |
| Patrick Joseph Byrne | Chief Executive Officer of International Markets of Ireland, UK & Canada | — | male |
| Rebecca Emery | Head of Communications | — | female |
| Tim Lord | Group Chief Risk Officer | — | male |
| Anthony Taylor | Interim Chief Financial Officer | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for HUM.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
