Humm Group Ltd
ASX:HUM
Intrinsic Value
Humm Group Ltd. operates as a financial services group, which provides financial products through a network of retailers and brokers. [ Read More ]
The intrinsic value of one
HUM
stock under the Base Case scenario is
5.345
AUD.
Compared to the current market price of 0.455 AUD,
Humm Group Ltd
is
Undervalued by 91%.
Humm Group Ltd's market capitalization is 225.3m AUD.
HUM stock price is 0.455 AUD.
HUM stock price (0.455 AUD) is 91% less than its Intrinsic Value (5.345 AUD).
HUM. Open DCF Valuation
HUM stock price (0.455 AUD) is 91% less than its Relative Value (5.345 AUD). Open Relative Valuation
HUM has upside potential of 41% compared to the average analyst price target.
Open Wall St Estimates
HUM's ROIC (Return on Invested Capital) has decreased in the last 3 years from 1% to 0%.
HUM has negative Operating Income for the last twelve months.
HUM's long-term assets (5B AUD) exceed its long-term liabilties (5B AUD).
HUM's Revenue has been growing by 7% per year for the last 3 years.
HUM's ROE (Return on Equity) has decreased in the last 3 years from 4% to -3%.
HUM's Revenue has grown by an exceptional 22% over the past 12 months.
HUM's Revenue is forecast to grow at a rate of 13% per year over the next 3 years.
HUM's ROIC (Return on Invested Capital) for the past 12 months is negative and is equal to 0%.
HUM's ROE (Return on Equity) for the past 12 months is negative and is equal to -3%.
HUM has a very low three-year average ROIC (Return on Invested Capital): 1%. The company is not efficient at using invested capital to generate operating income.
HUM has negative Net Income for the last twelve months.
HUM has negative three-year average ROE (Return on Equity): -5%. The company is not efficient at transforming stockholders' equity into net income.
HUM has positive Gross Profit for the last twelve months.
HUM's short-term assets (169m AUD) exceed its short-term liabilties (59m AUD).
HUM has negative Free Cash Flow for the last twelve months.
HUM has positive Net Debt. This means that the company has more debt (5B AUD) than cash and short-term investments (159m AUD).
HUM's D/E (Debt to Equity) is very high and is equal to 7.86.
HUM's Altman Z-Score is very low and is equal to 0.14.
HUM doesn't generate enough operating income (-7m AUD) to safely cover interest payments on its debt (-219m AUD).
Fundamental Analysis
Humm Group Ltd
Balance Sheet Decomposition
Humm Group Ltd
| Current Assets | 168.7m |
| Cash & Short-Term Investments | 159.4m |
| Receivables | 9.3m |
| Non-Current Assets | 5B |
| PP&E | 10.4m |
| Intangibles | 129.1m |
| Other Non-Current Assets | 4.9B |
| Current Liabilities | 59.1m |
| Accounts Payable | 56.5m |
| Other Current Liabilities | 2.6m |
| Non-Current Liabilities | 4.6B |
| Long-Term Debt | 4.5B |
| Other Non-Current Liabilities | 64m |
Earnings Waterfall
Humm Group Ltd
|
Revenue
|
565.4m
AUD
|
|
Cost of Revenue
|
-258.3m
AUD
|
|
Gross Profit
|
307.1m
AUD
|
|
Operating Expenses
|
-313.7m
AUD
|
|
Operating Income
|
-6.6m
AUD
|
|
Other Expenses
|
-8.6m
AUD
|
|
Net Income
|
-15.2m
AUD
|
Free Cash Flow Analysis
Humm Group Ltd
HUM Profitability Score
Profitability Due Diligence
Humm Group Ltd's profitability score is 40/100. The higher the profitability score, the more profitable the company is.
Score
Humm Group Ltd's profitability score is 40/100. The higher the profitability score, the more profitable the company is.
HUM Solvency Score
Solvency Due Diligence
Humm Group Ltd's solvency score is 20/100. The higher the solvency score, the more solvent the company is.
Score
Humm Group Ltd's solvency score is 20/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
HUM Price Targets Summary
Humm Group Ltd
According to Wall Street analysts, the average 1-year price target for
HUM
is 0.643 AUD
with a low forecast of 0.636 AUD and a high forecast of 0.662 AUD.
Shareholder Return
HUM Price
Humm Group Ltd
| Average Annual Return | -14.6% |
| Standard Deviation of Annual Returns | 32.61% |
| Max Drawdown | -84% |
| Market Capitalization | 225.3m AUD |
| Shares Outstanding | 511 316 000 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
Humm Group Ltd
Country
Industry
Market Cap
Dividend Yield
Description
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.
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