Humm Group Ltd
ASX:HUM

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Humm Group Ltd
ASX:HUM
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Price: 0.7 AUD 0.72% Market Closed
Market Cap: 350m AUD

Intrinsic Value

The intrinsic value of one HUM stock under the Base Case scenario is hidden AUD. Compared to the current market price of 0.7 AUD, Humm Group Ltd is hidden .

The Intrinsic Value is calculated as the average of DCF and Relative values:

HUM Intrinsic Value
HIDDEN
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Worst Case
Base Case
Best Case

Valuation History
Humm Group Ltd

Intrinsic Value History
Dive into the past to invest in the future

HUM looks undervalued. But is it really? Some stocks live permanently below intrinsic value; one glance at Historical Valuation reveals if HUM is one of them.

Learn how current stock valuations stack up against historical averages to gauge true investment potential.

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What other research platforms think about HUM?

Let our AI compare Alpha Spread’s intrinsic value with external valuations from Simply Wall St, GuruFocus, ValueInvesting.io, Seeking Alpha, and others.

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Why is HUM valued this way?

Let our AI break down the key assumptions behind the intrinsic value calculation for Humm Group Ltd.

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Fundamental Analysis

Company Overview
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Economic Moat
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Management
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Contacts
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Bear Theses

Mounting competition from well-capitalized BNPL rivals like Afterpay and Zip threatens Humm Group’s market share, as it struggles to differentiate its ‘humm’ offering from higher-profile peers.

Bull Theses

Humm Group’s multi-segment strategy—from small BNPL purchases to higher-ticket financing—helps diversify revenue streams, reducing reliance on any single product and offering potential for sustained growth.

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How do you feel about HUM?
Bearish
Neutral
Bullish
Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Humm Group Ltd

Current Assets 125.4m
Cash & Short-Term Investments 125.4m
Non-Current Assets 5.2B
PP&E 8.2m
Intangibles 126.3m
Other Non-Current Assets 5.1B
Current Liabilities 65.5m
Accounts Payable 57.9m
Other Current Liabilities 7.6m
Non-Current Liabilities 4.8B
Long-Term Debt 4.7B
Other Non-Current Liabilities 89m
Efficiency

Free Cash Flow Analysis
Humm Group Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate

Earnings Waterfall
Humm Group Ltd

Revenue
666.6m AUD
Cost of Revenue
-336.1m AUD
Gross Profit
330.5m AUD
Operating Expenses
-274.8m AUD
Operating Income
55.7m AUD
Other Expenses
-21.5m AUD
Net Income
34.2m AUD
Fundamental Scores

HUM Profitability Score
Profitability Due Diligence

Humm Group Ltd's profitability score is hidden . The higher the profitability score, the more profitable the company is.

ROE is Increasing
Healthy Gross Margin
Strong 3Y Average Gross Margin
Net Margin is Increasing
hidden
Profitability
Score

Humm Group Ltd's profitability score is hidden . The higher the profitability score, the more profitable the company is.

HUM Solvency Score
Solvency Due Diligence

Humm Group Ltd's solvency score is hidden . The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Positive Net Debt
High D/E
hidden
Solvency
Score

Humm Group Ltd's solvency score is hidden . The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

HUM Price Targets Summary
Humm Group Ltd

Wall Street analysts forecast HUM stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for HUM is 0.85 AUD with a low forecast of 0.81 AUD and a high forecast of 0.91 AUD.

Lowest
Price Target
0.81 AUD
15% Upside
Average
Price Target
0.85 AUD
22% Upside
Highest
Price Target
0.91 AUD
31% Upside
View Analyst Estimates
View Analyst Estimates

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for HUM is hidden .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
HIDDEN
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Dividend Yield
Lowest
Average
Highest
Buyback Yield
HIDDEN
Debt Paydown Yield
HIDDEN

Competitive Landscape

Company Market Cap Intrinsic Valuation Profitability Solvency Price Change
1Y 3Y 5Y
What is the Intrinsic Value of one HUM stock?

The intrinsic value of one HUM stock under the Base Case scenario is hidden AUD.

Is HUM stock undervalued or overvalued?

Compared to the current market price of 0.7 AUD, Humm Group Ltd is hidden .

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