Consumer finance
This part of the business lets shoppers split purchases into instalments or use revolving credit products for everyday spending and retail purchases.
Customers and revenue model
Humm Group Ltd
ASX:HUM
Humm Group Ltd
ASX:HUM
Price on Oct 14:
0.385
AUD
Market Cap:
AU$197m
Prices of ASX stocks are not being updated. The latest HUM price on Alpha Spread is from Oct 14, 2026. Financials, forecasts and intrinsic value keep updating.
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Company Overview
Business Description
- Sector
- Financials
- Industry
- Financial Services
- Headquarters
- Australia AU
- Employees
- 730
- IPO date
- Dec 12, 2006
Humm Group Ltd is a financial services company that helps people and small businesses spread out the cost of purchases. It offers buy now, pay later products, retail point-of-sale finance, and other lending products that let customers pay over time instead of all at once. Its services are used through merchants, online checkout systems, and direct lending channels.
The company makes money mainly from merchant fees, customer fees, and interest or financing charges on loans and payment plans, depending on the product and local rules. Its main customers are consumers making everyday purchases, shoppers buying larger-ticket items, and small businesses that need equipment or working capital finance. Merchants also matter because Humm helps them close sales by giving shoppers another way to pay.
What makes Humm’s business model different is that it sits between the retailer and the customer at the point of sale. It does not just lend money in the abstract; it builds payment tools into the shopping experience and handles the credit decision and repayment process. That makes it part lender, part payments partner, and part sales tool for merchants.
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