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Humm Group (HUMGF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Humm Group $0.58, price $0.29, upside +100.0%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · ISIN AU0000121337

HG Humm Group logo Thin data Sep 24, 2026

Humm Group

HUMGF · US

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value $0.5800 · Strongly undervalued (+100.0%)
!Quality 55/100
!Mixed Growth (revenue 3y +14.5 %/yr)
!Thin margins · 9.7% net margin (TTM)
✓generates free cash flow
✓7.9% dividend yield · Well covered
!Narrow moat 40/100
!Evidence only low, so the estimate is less certain
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26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

$1.12 $0.2883 Fair Value $0.5800 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $0.2883 – $1.12 · fair‑value band $0.1960 – $0.7900 · the $0.2900 price screens below the $0.5800 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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.

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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, Australia.

Stock analysis

Humm Group (HUMGF) currently trades at $0.2900, while our model-based Fair Value estimate is $0.5800, implying the stock looks roughly 50.0% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of $4.16 per share, and 10 of the 10 models we run sit above the $0.2900 price.

Bear case: the Asset-Based group reads lowest at $0.4600, and 0 of the 10 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.1960 (bear) to $0.7900 (bull), the price of $0.2900 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Humm Group reported revenue of A$654M in FY2025 versus A$436M in FY2022, a compound +14.5%/yr. Reported net income was A$39.6M in FY2025.

Key figures

Market cap $194M · P/E ratio 7.3 · P/S ratio 0.44 · EPS (TTM) $0.0400 · Dividend yield 7.9% · Net margin 6.1% · Return on equity 4.8% · Return on assets (EBIT) 4.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).

What moves the price

The share trades about 43% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, HUMGF screens cheaper than that median.

Fair Value models

Bear $0.1960 Fair Value $0.5800 Bull $0.7900
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($0.0170 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF $5.31 $7.62 $10.62 73
Residual Income $0.5200 $0.5300 $0.5800 73
Rev-Margin DCF $3.18 $4.16 $5.31 68
All 10 models by family
DCF Models
5Y P/E Exit $2.77 $3.38 $3.98 67
10Y P/E Exit $3.83 $4.69 $5.70 60
Earnings-Based
Graham-Dodd $0.3700 $1.57 $2.14 61
Lynch FV $0.4000 $0.5700 $0.7400 58
Multiples
P/E Multiple $0.5300 $0.7100 $0.8900 63
P/B Multiple $0.7000 $0.9300 $1.16 55
Asset-Based
NCAV (Graham) $0.3500 $0.4600 $0.6900 51
Growth DCF
Growth DCF $5.31 $7.62 $10.62 73
Rev-Margin DCF $3.18 $4.16 $5.31 68
Economic Profit
Residual Income $0.5200 $0.5300 $0.5800 73

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Quality Score breakdown

Overall quality 55/100

Of which business quality 56 · Market factors (momentum, volatility) 9

Profitability 23
Margins and returns on capital today
Quality Growth 48
Are margins and returns improving?
Cashflow 97
Earnings quality: real cash, not paper profit
Fin. Strength 20
Balance sheet, leverage, solvency risk
Investment 77
Disciplined investing over empire-building
Low Volatility 24
Calm price path (market factor)
Momentum 5
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 87
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 78/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+5.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.5%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
25.7% (2022) → 53.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
not computed

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Compare Humm Group with another stock

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 329 stocks

Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (TTM) 4.8% · Below median
Return on assets 0.5% · Bottom 25%
Net margin (TTM) 9.7% · Below median
Operating margin (TTM) 17.2% · Below median
Growth and dividend
Revenue growth −8.3% · Bottom 25%
Dividend yield (TTM) 7.9% · Top 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 7.3× · Cheaper than median
P/B 0.39× · Cheapest 25%
P/S (TTM) 0.72× · Cheapest 25%
P/FCF 1.2× · Cheapest 25%
PEG 0.81× · Pricier than median

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $359.33 $221.29 −38%
Mastercard Incorporated MA $551.47 $359.54 −35%
American Express Company AXP $304.10 $208.54 −31%
Capital One Financial Corporation COF $193.07 $125.94 −35%
Bajaj Finance Limited BAJFINANCE ₹948.30 ₹1,100 +16%
PayPal Holdings PYPL $53.06 $104.12 +96%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $15.72 $5.53 −65%

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Humm Group · Fair Value
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Cite: Fair Value Calculator (2026). "Humm Group Fair Value". https://www.fairvalue-calculator.com/stock/HUMGF

Frequently asked questions

Is Humm Group (HUMGF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.5800 versus the last price from Sep 25, 2026 of $0.2900, about +100% upside (undervalued).
What is the fair value of HUMGF?
Our model-based fair value for Humm Group is $0.5800 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.2900.
What is the quality score of HUMGF?
Humm Group has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Humm Group (HUMGF)?
Our model-based price target is the fair value of $0.5800 (as of Sep 24, 2026) from 10 valuation models. Cautious scenario $0.1960, optimistic scenario $0.7900. It is a calculation from audited fundamentals, not an analyst target.
What is the Humm Group stock forecast for 2026?
Our models put fair value at $0.5800, about +100% upside versus the last price from Sep 25, 2026 of $0.2900 (undervalued). Cautious scenario $0.1960, optimistic scenario $0.7900. The calculation is refreshed regularly with new filings.
What is the revenue of Humm Group (HUMGF)?
Humm Group reported trailing-twelve-month revenue of about A$269M (latest available figure, as of Sep 24, 2026).
Does Humm Group pay a dividend?
Humm Group currently shows a dividend yield of about 7.93% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Humm Group (HUMGF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Humm Group it is $0.5800 per share (as of Sep 24, 2026), against a price of $0.2900. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Humm Group stock overvalued or undervalued in 2026?
As of Sep 24, 2026, HUMGF trades below its calculated fair value: price $0.2900, fair value $0.5800, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HUMGF?
No. The price is what the market pays today ($0.2900); the fair value is what the company's own numbers justify ($0.5800). For Humm Group the two are $0.2900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Humm Group worth?
The market values Humm Group at about $194M (market capitalisation, as of Sep 24, 2026). Per share that is $0.2900; our models calculate a fair value of $0.5800 per share.
What do the bullish and bearish scenarios say about HUMGF?
Our models span a range for Humm Group: cautious scenario $0.1960, base $0.5800, optimistic $0.7900 per share (as of Sep 24, 2026, price $0.2900). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HUMGF?
Humm Group trades at a price-to-earnings ratio of 7.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.5800 is built from several models across several years. Other multiples: PEG 0.8, P/B 0.4, P/S 0.7.
What is the PEG ratio of HUMGF?
The PEG ratio of Humm Group is 0.81 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Humm Group (HUMGF)?
Balance-sheet figures for Humm Group (as of Sep 24, 2026): return on equity 4.8%. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is HUMGF from its 52-week high?
Humm Group trades at $0.2900, about 43% below its 52-week high of $0.5090 and 1% above the low of $0.2883 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.5800 is for.
Which stocks are comparable to Humm Group?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Humm Group stock attractive at the current price?
The data as of Sep 24, 2026: price $0.2900, calculated fair value $0.5800 (+100%), Quality Score 55/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HUMGF calculated?
We run Humm Group through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.5800, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Humm Group currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Humm Group (HUMGF)?
The latest price we hold is from Sep 25, 2026 and stands at $0.2900. Our model-based fair value is $0.5800, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Humm Group right now?
The model range is unusually wide ($0.1960 to $0.7900). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (55/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Humm Group

How large is the market capitalisation of Humm Group (HUMGF)?
The market capitalisation of Humm Group is $194M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Humm Group (HUMGF)?
The price-to-sales ratio of Humm Group is 0.44 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Humm Group (HUMGF)?
Earnings per share at Humm Group are $0.0400 (price ÷ EPS = P/E 7.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Humm Group (HUMGF)?
The dividend yield of Humm Group is 7.9% (payout 57.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Humm Group (HUMGF)?
The net margin of Humm Group is 6.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Humm Group (HUMGF)?
The return on equity (ROE) of Humm Group is 4.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Humm Group (HUMGF)?
On an EBIT basis the return on assets of Humm Group is 4.6% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Humm Group (HUMGF)?
The operating margin of Humm Group is 17.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Humm Group (HUMGF)?
Revenue at Humm Group is growing −8.3% versus a year earlier (3y avg +14.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Humm Group (HUMGF)?
Earnings per share at Humm Group are growing −34.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Humm Group (HUMGF) generate?
The free cash flow of Humm Group is A$158M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Humm Group (HUMGF) carry?
The net debt of Humm Group is A$4.3B (fiscal year 2025, ≈ 27.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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