YOLFTbeta
Humm Group Ltd

Humm Group Ltd

HUM · AU · Financial Services / Credit Services

0.48AUD+0.01 (+1.05%)

Price History

Full chart

Market Stats

Previous Close0.475
Open0.48
Day Range0.47 – 0.49
52-Week Range0.385 – 0.7661
Volume997.12K
Market Cap207.01M
P/E (TTM)13.67
Forward P/E9.81
EPS0.03
Dividend Yield4.88%
Beta1.60
50-Day Avg0.4158
200-Day Avg0.5788

About

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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Angelo R. Demasi
  • Employees529
  • Headquarters255 Pitt Street, Sydney, NSW, Australia, 2000, Australia
  • Websitehttps://www.shophumm.com/humm-group/

Leadership

  • Mr. Angelo R. DemasiGroup CEO, MD & Director · b. 1981
  • Mr. Anthony Taylor B.Com, CPA, F.FinInterim Chief Financial Officer · b. 1961
  • David GrevlerHead of FP&A and Investor Relations
  • Mr. Paris GeorgeActing Chief Legal Officer
  • Ms. Rebecca EmeryHead of Communications
  • Mr. Tim LordGroup Chief Credit Officer
  • Mr. Patrick Joseph ByrneChief Executive Officer of International Markets of Ireland, UK & Canada
  • Ms. Olivia Meo-Groser B.A., L.L.B.Group General Counsel
  • Ms. Carlie Bangs B.Sc., L.L.B., M.A.Company Secretary & Senior Legal Counsel
  • Ms. Charly Duffy Stephens L.L.B.Acting Company Secretary

Financials

Income Statement

Currency: AUD2007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue136.95M159.74M184.49M204.22M222.98M246.22M284.14M316.59M340.80M396.40M462.80M478.90M488.40M478.40M444.40M440.40M510.40M619.30M666.60M634.40M
Growth (%)-+16.64%+15.50%+10.69%+9.19%+10.42%+15.40%+11.42%+7.65%+16.31%+16.75%+3.48%+1.98%-2.05%-7.11%-0.90%+15.89%+21.34%+7.64%-4.83%
Cost of Revenue40.11M40.16M46.22M55.66M62.61M63.65M18.86M30.96M38.40M41.10M46.20M70.30M61.70M72.60M83.40M105.40M75.50M70.60M71.00M62.00M
Gross Profit96.85M119.58M138.27M148.56M160.37M182.57M265.28M285.63M302.40M355.30M416.60M408.60M426.70M405.80M361.00M335.00M434.90M548.70M595.60M572.40M
Gross Margin70.71%74.86%74.95%72.74%71.92%74.15%93.36%90.22%88.73%89.63%90.02%85.32%87.37%84.82%81.23%76.07%85.21%88.60%89.35%90.23%
Operating Expense21.49M5.55M91.06M92.13M90.58M100.00M170.21M184.63M187.00M252.60M190.40M298.40M228.60M283.80M196.00M201.90M258.20M253.80M237.80M256.90M
Operating Income75.36M114.03M47.21M56.43M69.79M82.57M95.07M101.00M115.40M102.70M226.20M110.20M198.10M122.00M165.00M133.10M176.70M294.90M357.80M315.50M
Operating Margin55.03%71.38%25.59%27.63%31.30%33.53%33.46%31.90%33.86%25.91%48.88%23.01%40.56%25.50%37.13%30.22%34.62%47.62%53.68%49.73%
EBITDA78.65M95.28M100.09M113.05M128.11M149.82M171.55M162.44M189.90M163.00M240.40M127.60M208.60M135.40M181.90M-63.20M189.90M308.80M370.10M318.40M
EBITDA Margin57.43%59.65%54.25%55.36%57.45%60.85%60.38%51.31%55.72%41.12%51.94%26.64%42.71%28.30%40.93%-14.35%37.21%49.86%55.52%50.19%
Net Income23.43M32.26M32.80M58.92M51.76M58.96M65.84M57.56M82.70M50.20M87.40M-9.10M61.70M23.10M60.10M-170.30M2.90M7.10M39.60M15.70M
Net Income Margin17.11%20.19%17.78%28.85%23.21%23.95%23.17%18.18%24.27%12.66%18.89%-1.90%12.63%4.83%13.52%-38.67%0.57%1.15%5.94%2.47%
R&D---------0.180.270.030.180.060.190.420---
R&D as % of Total Revenue---------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%---
Interest Expense38.46M44.84M47.94M51.24M52.13M59.51M67.05M67.47M67.60M79.00M102.00M94.60M100.60M89.30M74.20M84.10M168.10M279.60M302.10M280.90M
Interest Expense % of Total Revenue28.08%28.07%25.98%25.09%23.38%24.17%23.60%21.31%19.84%19.93%22.04%19.75%20.60%18.67%16.70%19.10%32.93%45.15%45.32%44.28%

Balance Sheet

Currency: AUD2006-06-302007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets529.10M625.52M636.29M724.43M823.45M902.46M1.14B1.46B1.64B1.79B2.68B2.79B2.85B3.11B3.05B3.30B3.77B4.77B5.42B5.34B5.08B
Total Liabilities475.60M541.65M537.64M605.35M617.83M669.28M871.38M1.09B1.25B1.38B2.07B2.11B2.23B2.49B2.46B2.54B3.14B4.20B4.84B4.84B4.54B
Total Equity53.50M83.87M98.64M119.08M205.63M233.18M270.75M364.58M384.95M410.50M612.40M671.80M627.60M616.10M586.50M759.10M627.70M572.50M525.30M503.20M535.50M
Cash29.40M56.68M59.43M52.58M74.84M55.99M63.21M122.75M106.61M130.30M174.40M167.30M125.30M143.10M157.50M218.20M281.00M336.10M281.20M323.30M246.80M
Total Debt426.70M487.67M478.31M542.48M542.83M590.12M772.19M990.25M1.13B1.27B2.97B2.01B3.45B3.83B3.56B3.13B3.04B5.39B4.72B4.68B4.45B
Net Debt397.30M430.99M418.88M489.90M467.99M534.13M708.98M867.50M1.03B1.14B1.77B1.84B2.00B2.24B2.15B2.21B2.76B3.75B4.44B4.36B4.20B

Cash Flow

Currency: AUD2007-06-302008-06-302009-06-302010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow29.90M28.76M31.66M53.38M87.22M110.67M96.80M124.30M121.20M147.40M161.00M188.70M165.40M138.50M-110.60M-520.90M-882.70M-682.50M179.00M92.00M
Investing Cash Flow-2.90M-6.30M-24.74M-6.42M-8.79M-211.62M-188.11M-190.40M-97.60M-269.30M-191.20M-342.30M-377.00M-31.70M-31.30M-14.80M-18.00M-13.50M-21.30M-22.50M
Financing Cash Flow-7.50M-19.07M-14.02M-24.60M-97.21M108.10M150.15M49.02M600.00K164.80M23.20M117.00M225.00M-91.50M203.40M600.90M952.90M640.90M-115.20M-138.80M
Capital Expenditure3.52M6.35M6.35M6.42M8.79M9.47M6.30M17.69M26.40M24.20M24.60M29.00M26.70M31.70M29.10M23.30M18.00M15.00M21.30M1.10M
Free Cash Flow26.38M22.41M25.31M46.97M78.42M101.20M90.50M106.61M94.80M123.20M136.40M159.70M-26.70M-31.70M-29.10M-23.30M-900.70M-697.50M157.70M90.90M
Dividends Paid-19.07M14.02M14.35M26.18M32.04M38.79M47.08M52.50M54.30M36.90M28.80M28.80M15.20M19.50M14.10M14.40M13.00M19.20M7.60M
FCF to OCF88.22%77.92%79.94%87.98%89.92%91.44%93.49%85.77%78.22%83.58%84.72%84.63%-16.14%-22.89%26.31%4.47%102.04%102.20%88.10%98.80%
Dividend Paid to FCF-85.10%55.40%30.55%33.38%31.66%42.86%44.16%55.38%44.07%27.05%18.03%-107.87%-47.95%-67.01%-60.52%-1.60%-1.86%12.18%8.36%

Earnings

Report DateFeb 6, 2014Aug 6, 2014Aug 17, 2015Feb 17, 2016Aug 30, 2016Feb 20, 2017Sep 29, 2017Feb 20, 2018Aug 20, 2018Feb 25, 2019Aug 26, 2019Feb 24, 2020Aug 26, 2020Feb 24, 2021Aug 19, 2021Feb 22, 2022Aug 24, 2022Feb 23, 2023Feb 17, 2025Aug 19, 2025
EPS Estimate0.000.150.000.130.140.140.000.000.120.000.000.000.000.00--0.00-0.00-
EPS Actual0.150.150.130.130.020.130.11-0.130.110.080.080.08-0.040.090.04-0.340.000.020.040.02
Surprise9900.00%0.54%-1.09%-85.27%-4.27%---8.33%-----------
Timing----------------After-hoursAfter-hours-Pre-market

Key Statistics & Ratios

Market Cap207.01M
Enterprise Value4.56B
Trailing P/E13.67
Forward P/E9.81
PEG Ratio0.72
Price / Sales0.82
Price / Book0.38
EPS0.03
Book Value1.06
Revenue (TTM)252.70M
Gross Profit (TTM)145.50M
Profit Margin6.21%
Operating Margin5.45%
Return on Equity3.02%
Return on Assets0.30%
Shares Outstanding504.91M
Shares Float252.97M
Beta1.60
Dividend Yield4.88%
Dividend Rate0.02
Payout Ratio72.58%

Dividends

20262×
0.01Aug 31, 20260.01Feb 19, 2026
20252×
0.01Sep 3, 20250.01Feb 24, 2025
20242×
0.01Aug 27, 20240.01Feb 26, 2024
20232×
0.01Aug 30, 20230.01Mar 1, 2023
20222×
0.01Aug 31, 20220.02Feb 28, 2022
20201×
0.04Mar 6, 2020
20192×
0.04Sep 5, 20190.04Mar 6, 2019
20182×
0.04Sep 6, 20180.04Mar 8, 2018
20172×
0.04Sep 7, 20170.04Mar 9, 2017
20162×
0.07Sep 8, 20160.07Mar 10, 2016
20152×
0.09Sep 9, 20150.08Mar 11, 2015
20142×
0.08Sep 10, 20140.08Mar 7, 2014
20131×
0.07Sep 9, 2013

Stock Splits

  • Feb 24, 20101.0091:1