Humm Group Limited (ASX: HUM) - Financials
- Current share price for HUM : $0.405
Humm Group Limited (HUM) is an ASX-listed company and is held by a number of exchange traded funds (ETFs). It is a diversified financial services company that provides instalment plans which enable businesses and consumers to make large purchases. The Company operates in Australia, New Zealand, Ireland, Canada and the United Kingdom.
HUM Per Share
| Year to Jun | Sales | Cashflow | Earnings | Dividends | Franking | Book Value | Average Annual P/E |
Relative P/E | Shareholder Return |
|---|---|---|---|---|---|---|---|---|---|
| 2026 | $1.23 | 18.2 ¢ | 7.4 ¢ | 2 ¢ | 100% | $1.06 | 8.67 | 51.6% | -14.1% |
| 2025 | $1.33 | 36.4 ¢ | 9.8 ¢ | 2 ¢ | 100% | $1.05 | 6.19 | 44.4% | 44.9% |
| 2024 | $1.24 | -136.6 ¢ | 2.4 ¢ | 2 ¢ | 100% | $1.21 | 20.17 | 146% | -9.7% |
HUM Capital Structure
| Total Debt | Interest | Long Term Debt | Percent Debt | Preferred Stock | Share Equity | Percent Equity |
|---|---|---|---|---|---|---|
| $4,450,000 | $280,900 | $0.00 | 0% | $0.00 | $535,500 | 100% |
Note: All dollars in thousands ('000) for the table above
HUM Historical Financials
| 2026 | 2025 | 2024 | |
|---|---|---|---|
| Revenue ($M) | 623.3 | 653.6 | 617.6 |
| Operating Margin (%) | 54.5 | 57.9 | 50.8 |
| Depreciation ($M) | -3.5 | -3.5 | -3.6 |
| Amortisation ($M) | -14 | -15 | -17 |
| Net Profit Before Abs ($M) | 37.3 | 48.1 | 11.8 |
| Net Profit After Abs ($M) | 15.7 | 39.6 | 7.1 |
| Income Tax Rate (%) | 20.3 | 20 | 13.4 |
| Net Profit Margin (%) | 6 | 7.4 | 1.9 |
| Employees ($T) | |||
| Long Term Debt ($M) | |||
| Shareholders Equity ($M) | 535.5 | 503.2 | 578.9 |
| Return on Capital (%) | 44 | 52 | 36 |
| Return on Equity (%) | 7 | 9.6 | 2 |
| Payout Ratio (%) | 27 | 20 | 85 |
HUM Cashflow
| 2026 | 2025 | 2024 | |
|---|---|---|---|
| Customer Receipts ($M) | 540 | 567 | 529 |
| Net Operating Cashflow ($M) | 92 | 179 | -682.5 |
| Net Investing Cashflow ($M) | -22 | -21 | -14 |
| Net Financing Cashflow ($M) | -139 | -115 | 637 |
HUM Market & Earnings
| 2026 | 2025 | 2024 | |
|---|---|---|---|
| Market Cap ($M) | 237 | 271 | 194 |
| Net Gearing (%) | 784.9 | 865.9 | 766.5 |
| Net Interest Cover (%) | 1.15 | 1.19 | 1.05 |
| Dividend Yield (%) | 4.3 | 3.5 | 4.9 |
| NTA Per Share ($) | 0.82 | 0.79 | 0.93 |
| EBITDA ($M) | 340 | 378.6 | 313.5 |
| EBIT ($M) | 322.2 | 360.1 | 292.5 |
| EBT Before Abs ($M) | 41.3 | 58 | 12.9 |
HUM Balance Sheet
| 2026 | 2025 | 2024 | |
|---|---|---|---|
| Cash ($M) | 246.8 | 323.3 | 281.2 |
| Debtors ($M) | |||
| Other Debtors ($M) | 4,597 | 4,790 | 4,894 |
| Prepayments ($M) | |||
| Inventories ($M) | |||
| Current Investments ($M) | |||
| Other Current Assets ($M) | 17.7 | 21.1 | 22.8 |
| Total Current Assets ($M) | 4,861 | 5,134 | 5,198 |
| Receivables ($M) | |||
| Inventories ($M) | |||
| Property, Plant & Equipment ($M) | 14.2 | 8.2 | 9.1 |
| Accumulated Depreciation ($M) | |||
| Intangibles ex. Goodwill ($M) | 45.1 | 38.8 | 41 |
| Goodwill ($M) | 77.5 | 87.5 | 90.6 |
| Future Income Tax Benefit ($M) | 48.1 | 68.4 | 46.1 |
| Non-Current Investments ($M) | 18.3 | 1.4 | 30.9 |
| Other Non-Current Assets ($M) | |||
| Total Non-Current Assets ($M) | 203.2 | 204.3 | 217.7 |
| Total Assets ($M) | 5,064 | 5,338 | 5,416 |
| Accounts Payable ($M) | 48.8 | 57.9 | 60 |
| Provisions ($M) | 20 | 41.6 | 44.4 |
| Short Term Debt ($M) | 4,450 | 4,681 | 4,718 |
| Other Current Liabilities ($M) | 5.6 | 8.2 | 12 |
| Total Current Liabilities ($M) | 4,524 | 4,788 | 4,835 |
| Creditors ($M) | |||
| Long Term Debt ($M) | |||
| Provisions ($M) | 4.5 | 46.8 | 2.6 |
| Other Non-Current Liabilities ($M) | |||
| Total Non-Current Liabilities ($M) | 4.5 | 46.8 | 2.6 |
| Total Liabilities ($M) | 4,529 | 4,835 | 4,837 |
| Share Capital ($M) | 460 | 445.1 | 499.1 |
| Reserves ex. Share Premium ($M) | 4.8 | -11.4 | 30 |
| Share Premium Reserve ($M) | |||
| Retained Profits ($M) | 70.7 | 69.5 | 49.8 |
| Other Shareholders Equity ($M) | |||
| Convertible Equity ($M) | |||
| Outside Equity Interest ($M) | |||
| Total Shareholders Equity ($M) | 535.5 | 503.2 | 578.9 |
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