Humm Group (HUM) Fair Value & Analysis
Financial Services · AU · Market cap A$288M
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price −24.0% over the past month.
Price vs Fair Value (12 months)
12‑month range A$0.4501 – A$0.7358 · fair‑value band A$0.6300 – A$1.13 · the A$0.4550 price screens below the A$0.9100 fair value. As of Jun 26, 2026.
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Humm Group (HUM) currently trades at A$0.4550, while our model-based Fair Value estimate is A$0.9100 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Humm Group generated revenue of A$269M at a net margin of 9.7%. Revenue declined 8.3% year over year. It earns a return on equity of 4.8%. Net debt stands at A$4.4B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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, Austr…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Humm Group reported revenue of A$667M in FY2025 versus A$444M in FY2021, a compound +10.7%/yr. Reported net income was A$39.6M in FY2025, compounding −9.9%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.