Humm Group Ltd

AU:HUM Australia Credit Services
Market Cap
$185.38 Million
AU$299.40 Million AUD
Market Cap Rank
#18334 Global
#282 in Australia
Share Price
AU$0.66
Change (1 day)
-2.96%
52-Week Range
AU$0.43 - AU$0.76
All Time High
AU$2.14
Categories
Companies in Australia Credit Services Banking & Financial
About

Humm Group Limited, together with its subsidiaries, provides various financial products and services in Australia, New Zealand, Ireland, the United Kingdom, and Canada. It operates through Commercial and Leasing, Point of Sale Payment Plans (PosPP), New Zealand Cards, and Australia Cards segments. The company offers interest-free payment and repayment options to cover home renovation, veterinary,… Read more

Humm Group Ltd (HUM) - Net Assets

Latest net assets as of June 2025: AU$503.20 Million AUD

Based on the latest financial reports, Humm Group Ltd (HUM) has net assets worth AU$503.20 Million AUD as of June 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AU$5.34 Billion) and total liabilities (AU$4.84 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets AU$503.20 Million
% of Total Assets 9.43%
Annual Growth Rate 12.52%
5-Year Change -33.71%
10-Year Change -17.83%
Growth Volatility 23.84

Humm Group Ltd - Net Assets Trend (2006–2025)

This chart illustrates how Humm Group Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Humm Group Ltd (2006–2025)

The table below shows the annual net assets of Humm Group Ltd from 2006 to 2025.

Year Net Assets Change
2025-06-30 AU$503.20 Million -13.08%
2024-06-30 AU$578.90 Million +1.12%
2023-06-30 AU$572.50 Million -8.79%
2022-06-30 AU$627.70 Million -17.31%
2021-06-30 AU$759.10 Million +29.43%
2020-06-30 AU$586.50 Million -4.80%
2019-06-30 AU$616.10 Million -1.83%
2018-06-30 AU$627.60 Million -6.58%
2017-06-30 AU$671.80 Million +9.70%
2016-06-30 AU$612.40 Million +49.18%
2015-06-30 AU$410.50 Million +6.64%
2014-06-30 AU$384.95 Million +5.59%
2013-06-30 AU$364.58 Million +34.66%
2012-06-30 AU$270.75 Million +16.12%
2011-06-30 AU$233.18 Million +13.40%
2010-06-30 AU$205.63 Million +72.68%
2009-06-30 AU$119.08 Million +20.71%
2008-06-30 AU$98.64 Million +17.61%
2007-06-30 AU$83.87 Million +56.77%
2006-06-30 AU$53.50 Million --

Equity Component Analysis

This analysis shows how different components contribute to Humm Group Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 122.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (June 2025)

Component Amount Percentage
Retained Earnings AU$69.50 Million 13.81%
Common Stock AU$445.10 Million 88.45%
Other Comprehensive Income AU$-11.40 Million -2.27%
Total Equity AU$503.20 Million 100.00%

Humm Group Ltd Competitors by Market Cap

The table below lists competitors of Humm Group Ltd ranked by their market capitalization.

Company Market Cap
Gossamer Bio Inc
NASDAQ:GOSS
 		$98.09 Million
Kao Fong Machinery Co Ltd
TWO:4510
 		$98.19 Million
Lavvi Empreendimentos Imobiliários S.A
SA:LAVV3
 		$98.19 Million
SERITAGE GWTH PR.A DL-01
F:1D3
 		$98.23 Million
Anteris Technologies Ltd
PINK:AMEUF
 		$98.07 Million
Carnarvon Energy Ltd
AU:CVN
 		$98.07 Million
Sphera Franchise Group SA MiFID Eligible Security
RO:SFG
 		$98.03 Million
Calfrac Well Services Ltd
PINK:CFWFF
 		$97.96 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Humm Group Ltd's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 525,300,000 to 503,200,000, a change of -22,100,000 (-4.2%).
  • Net income of 39,600,000 contributed positively to equity growth.
  • Dividend payments of 19,200,000 reduced retained earnings.
  • Share repurchases of 1,700,000 reduced equity.
  • Other comprehensive income decreased equity by 41,400,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income AU$39.60 Million +7.87%
Dividends Paid AU$19.20 Million -3.82%
Share Repurchases AU$1.70 Million -0.34%
Other Comprehensive Income AU$-41.40 Million -8.23%
Other Changes AU$600.00K +0.12%
Total Change AU$- -4.21%

Book Value vs Market Value Analysis

This analysis compares Humm Group Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 0.64x
  • The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
  • The price-to-book ratio has decreased from 6.12x to 0.64x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2006-06-30 AU$0.11 AU$0.66 x
2007-06-30 AU$0.17 AU$0.66 x
2008-06-30 AU$0.20 AU$0.66 x
2009-06-30 AU$0.24 AU$0.66 x
2010-06-30 AU$0.41 AU$0.66 x
2011-06-30 AU$0.47 AU$0.66 x
2012-06-30 AU$0.54 AU$0.66 x
2013-06-30 AU$0.73 AU$0.66 x
2014-06-30 AU$0.77 AU$0.66 x
2015-06-30 AU$0.82 AU$0.66 x
2016-06-30 AU$1.71 AU$0.66 x
2017-06-30 AU$1.75 AU$0.66 x
2018-06-30 AU$1.63 AU$0.66 x
2019-06-30 AU$1.57 AU$0.66 x
2020-06-30 AU$1.17 AU$0.66 x
2021-06-30 AU$1.52 AU$0.66 x
2022-06-30 AU$1.26 AU$0.66 x
2023-06-30 AU$1.15 AU$0.66 x
2024-06-30 AU$1.05 AU$0.66 x
2025-06-30 AU$1.02 AU$0.66 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Humm Group Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 7.87%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 6.06%
  • • Asset Turnover: 0.12x
  • • Equity Multiplier: 10.61x
  • Recent ROE (7.87%) is below the historical average (12.54%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2007 27.93% 17.11% 0.22x 7.46x AU$15.04 Million
2008 32.70% 17.43% 0.29x 6.45x AU$22.39 Million
2009 27.55% 16.10% 0.28x 6.08x AU$20.89 Million
2010 28.65% 26.08% 0.27x 4.00x AU$38.36 Million
2011 22.20% 21.39% 0.27x 3.87x AU$28.44 Million
2012 21.78% 21.56% 0.24x 4.22x AU$31.88 Million
2013 18.06% 34.66% 0.13x 3.99x AU$29.38 Million
2014 14.96% 26.61% 0.13x 4.25x AU$19.11 Million
2015 20.15% 36.16% 0.13x 4.35x AU$41.65 Million
2016 8.20% 21.02% 0.09x 4.38x AU$-11.04 Million
2017 13.01% 29.33% 0.11x 4.15x AU$20.22 Million
2018 -1.45% -3.06% 0.10x 4.55x AU$-71.86 Million
2019 10.01% 21.87% 0.09x 5.05x AU$90.00K
2020 3.94% 9.45% 0.08x 5.19x AU$-35.55 Million
2021 7.92% 19.32% 0.09x 4.35x AU$-15.81 Million
2022 -27.13% -58.14% 0.08x 6.00x AU$-233.07 Million
2023 0.51% 1.17% 0.05x 8.33x AU$-54.35 Million
2024 1.35% 2.91% 0.04x 10.31x AU$-45.43 Million
2025 7.87% 6.06% 0.12x 10.61x AU$-10.72 Million

Industry Comparison

This section compares Humm Group Ltd's net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $334,347,135
  • Average return on equity (ROE) among peers: -11.83%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Humm Group Ltd (HUM) AU$503.20 Million 27.93% 9.61x $98.09 Million
Butn Ltd (BTN) $8.11 Million -152.13% 10.26x $3.14 Million
Earlypay Ltd (EPY) $73.48 Million -10.54% 3.90x $16.78 Million
FSA Group Ltd (FSA) $76.76 Million 13.88% 3.90x $26.38 Million
Harmoney Corp Ltd (HMY) $37.13 Million 14.86% 24.46x $21.78 Million
Lawfinance Ltd (LAW) $9.11 Million 3.15% 0.11x $121.26K
Liberty Financial Group (LFG) $1.19 Billion 11.23% 12.61x $129.94 Million
Latitude Group Holdings Ltd (LFS) $1.57 Billion 10.28% 4.12x $305.96 Million
Moneyme Ltd (MME) $46.85 Million 2.77% 2.56x $23.29 Million
Propell Holdings Ltd (PHL) $-845.24K 0.00% 0.00x $494.63K