Humm Group Ltd
ASX:HUM

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Humm Group Ltd
ASX:HUM
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Price: 0.695 AUD
Market Cap: 347.5m AUD

Intrinsic Value

The intrinsic value of one HUM stock under the Base Case scenario is 3.342 AUD. Compared to the current market price of 0.695 AUD, Humm Group Ltd is Undervalued by 79%.

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

HUM Intrinsic Value
3.342 AUD
Undervaluation 79%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation History
Humm Group Ltd

What is Valuation History?
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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.

Increasing regulatory scrutiny in Australia over the BNPL sector could impose stricter guidelines on Humm’s lending practices, raising compliance costs and restricting customer volume growth.

An unfavorable macro environment, including rising interest rates and potential increases in delinquencies, could compress profit margins across Humm’s consumer credit and leasing portfolio.

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.

Strategic partnerships with major retailers and service providers stand to accelerate adoption of Humm’s BNPL solutions, bolstering brand visibility and strengthening customer loyalty.

Humm’s disciplined credit underwriting and established experience in consumer finance could yield comparatively low default rates, carving out a competitive advantage in a rapidly evolving sector.

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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 46/100. 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
46/100
Profitability
Score

Humm Group Ltd's profitability score is 46/100. The higher the profitability score, the more profitable the company is.

HUM Solvency Score
Solvency Due Diligence

Humm Group Ltd's solvency score is 18/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Positive Net Debt
High D/E
18/100
Solvency
Score

Humm Group Ltd's solvency score is 18/100. 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 0.852 AUD with a low forecast of 0.808 AUD and a high forecast of 0.914 AUD.

Lowest
Price Target
0.808 AUD
16% Upside
Average
Price Target
0.852 AUD
23% Upside
Highest
Price Target
0.914 AUD
31% Upside
View Analyst Estimates
View Analyst Estimates

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
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 .

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

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 3.342 AUD.

Is HUM stock undervalued or overvalued?

Compared to the current market price of 0.695 AUD, Humm Group Ltd is Undervalued by 79%.

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