Humm Group Limited (HUM.AX)
ValueMarkers Composite Index
98% below intrinsic value ($24)
Humm Group Limited (HUM.AX) — VMCI valuation read
Composite valuation read on HUM.AX: VMCI 59/100 against a Financial Services sector median of 50. The 9-point above-median print is the headline number for Humm Group Limited, and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for HUM.AX: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on HUM.AX: HUM.AX trades at 27.0x earnings, 50% above the Financial Services median of 18.0x; ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%); net debt to EBITDA of 1.0x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
HUM.AX rose 3.9% over the trailing 7 days, with a -10.1% read on a 30-day basis.
Humm Group Limited provides various financial services in Australia, New Zealand, Ireland, the United Kingdom, and Canada. The company operates through four segments: BNPL, New Zealand Cards, Australia Cards, and Commercial and Leasing. It offers buy now, pay later solution under the bundll brand name; humm, an interest-free payment platform with repayment options; long term interest free finance and everyday spend solutions under the humm90 brand; humm pro, a buy now pay later solution for small to medium businesses; Q Mastercard, an interest free credit card; FlexiCommercial, a business financing solution, which includes leasing and chattel mortgages for small and medium businesses; and leasing solutions and SME financing services. The company was formerly known as FlexiGroup Limited and changed its name to Humm Group Limited in November 2020. Humm Group Limited was founded in 1988 and is headquartered in Sydney, Australia.
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