Humm Group Ltd
ASX:HUM
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EV/S
Enterprise Value to Sales (EV/S) ratio compares a company`s total enterprise value to its revenue. It shows how much investors are paying for each dollar of the company`s sales, including both equity and debt.
Enterprise Value to Sales (EV/S) ratio compares a company`s total enterprise value to its revenue. It shows how much investors are paying for each dollar of the company`s sales, including both equity and debt.
Valuation Scenarios
If EV/S returns to its 3-Year Average (7.8), the stock would be worth AU$0.65 (4% upside from current price).
| Scenario | EV/S Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 7.5 | AU$0.63 |
0%
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| 3-Year Average | 7.8 | AU$0.65 |
+4%
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| 5-Year Average | 7.3 | AU$0.61 |
-2%
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| Industry Average | 4.1 | AU$0.34 |
-46%
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| Country Average | 4.3 | AU$0.36 |
-42%
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Forward EV/S
Today’s price vs future revenue
| Today's Enterprise Value | Revenue | Forward EV/S | ||
|---|---|---|---|---|
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AU$4.9B
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/ |
Jan 2026
AU$656.6m
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= |
|
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AU$4.9B
|
/ |
Jun 2026
AU$672.7m
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= |
|
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AU$4.9B
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/ |
Jun 2027
AU$706.7m
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= |
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AU$4.9B
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/ |
Jun 2028
AU$743m
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= |
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Forward EV/S shows whether today’s EV/S still looks high or low once future revenue are taken into account.
Peer Comparison
| Market Cap | EV/S | P/E | ||||
|---|---|---|---|---|---|---|
| AU |
|
Humm Group Ltd
ASX:HUM
|
312.2m AUD | 7.5 | 15 | |
| US |
|
American Express Co
NYSE:AXP
|
228.4B USD | 5 | 21.3 | |
| US |
|
Capital One Financial Corp
NYSE:COF
|
124.7B USD | 0 | 57.3 | |
| IN |
|
Bajaj Finance Ltd
NSE:BAJFINANCE
|
5.8T INR | 11.3 | 31.5 | |
| US |
|
Discover Financial Services
NYSE:DFS
|
50.3B USD | 0 | 9.1 | |
| US |
|
Synchrony Financial
NYSE:SYF
|
26.5B USD | 0 | 7.5 | |
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
2.5T INR | 9.9 | 20.7 | |
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
24.2B USD | 0 | 50.3 | |
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
16.4B USD | 0 | 0 | |
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
|
1.4T INR | 9.9 | 16.3 | |
| IN |
|
Tata Capital Ltd
NSE:TATACAP
|
1.4T INR | 10.3 | 32.4 |
Market Distribution
| Min | 0 |
| 30th Percentile | 1.9 |
| Median | 4.3 |
| 70th Percentile | 14.5 |
| Max | 1 646 389.2 |
Other Multiples
Humm Group Ltd
Glance View
Humm Group Ltd. operates as a financial services group, which provides financial products through a network of retailers and brokers. The company is headquartered in Sydney, New South Wales and currently employs 730 full-time employees. The company went IPO on 2006-12-12. The Company’s product includes humm, bundll, humm90 and hummpro. humm provides interest-free payment platform with repayment options from 10 weeks up to 60 months. humm offers BNPL category to cover home renovation, veterinary services, dental, optical, furniture expenses and even fertility services. humm is available in Australia, Ireland and New Zealand. humm90 is a Mastercard, which enables long term interest free finance and offers 110 days interest free. hummpro is built for business, which provides access to up to $30,000 with flexible repayment options. Bundll is a BNPL product delivered via the Mastercard network. The company provides mobile digital payment solution available direct from their smartphone. bundll is available in Australia. Its Q Mastercard is a credit card with interest free at its core.