Humm Group (HUMGF) Fair Value & Analysis
Financial Services · US · Market cap $194M
Humm Group
HUMGF · US
Fair value as of: Jun 26, 2026
From 20 valuation models · updated 26 days ago
Fair value updated Jun 26, 2026, revised from $0.5800 to $0.6400 (+10.3%) since Jun 24, 2026. Share price −9.6% over the past month.
Price vs Fair Value (12 months)
12‑month range $0.2883 – $1.12 · fair‑value band $0.4800 – $0.8000 · the $0.3475 price screens below the $0.6400 fair value. As of Jun 26, 2026.
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Humm Group (HUMGF) currently trades at $0.3475, while our model-based Fair Value estimate is $0.6400, implying the stock looks roughly 84.2% undervalued today. We read business quality at 38/100 (below-average 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: medium), always confirm before acting.
Over the trailing twelve months, Humm Group generated revenue of $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 $4.3B. Fundamentals as of Jun 26, 2026
Our scenario range runs from $0.4800 (bear case) to $0.8000 (bull case); at $0.3475, the current price sits below that range. The share trades about 69% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -46% fair-value upside, at 84%, HUMGF screens cheaper than that median.
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, …
Revenue & earnings trend
FY2022 – FY2025 · reported fiscal years
Humm Group reported revenue of $654M in FY2025 versus $436M in FY2022, a compound +14.5%/yr. Reported net income was $39.6M in FY2025.
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Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 3,063 MXN | -46% |
| Mastercard Incorporated M4I | €438.70 | €221.88 | -49% |
| American Express Company AXPB34 | R$159.36 | R$85.29 | -46% |
| Capital One Financial Corporation COF | 3,151 MXN | 138.62 MXN | -96% |
| Bajaj Finance Limited BAJFINANCE | ₹968.30 | ₹720.78 | -26% |
| PayPal Holdings PYPL | 720.50 MXN | 77.12 MXN | -89% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,473 | ₹1,205 | -18% |
| Tata Capital Limited TATACAP | ₹314.80 | ₹125.28 | -60% |
| Power Finance Corporation PFC | ₹431.75 | ₹467.63 | +8% |
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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.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.