Humm Group Ltd Net Assets
Humm Group Ltd net assets. Based on the latest financial reports, Humm Group Ltd (HUM) has net assets worth AU$535.50 Million AUD (≈ $378.90 Million USD) as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AU$5.08 Billion ≈ $3.59 Billion USD) and total liabilities (AU$4.54 Billion ≈ $3.21 Billion USD). 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. Also explore Humm Group Ltd (HUM) net asset momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | AU$535.50 Million |
| % of Total Assets | 10.55% |
| Annual Growth Rate | 12.21% |
| 5-Year Change | -14.69% |
| 10-Year Change | -20.29% |
| Growth Volatility | 23.31 |
Net Assets of Humm Group Ltd (2006–2026)
Net assets of Humm Group Ltd from 2006 to 2026. This chart illustrates how Humm Group Ltd's net assets have evolved over time, based on quarterly financial data. See debt-free asset ratio of Humm Group Ltd to measure how much of total assets are equity-financed.
Annual Net Assets for Humm Group Ltd (2006–2026)
The table below shows the annual net assets of Humm Group Ltd from 2006 to 2026. For live market cap and overall valuation, see Humm Group Ltd stock valuation.
| Year | Net Assets | Change |
|---|---|---|
| 2026-06-30 | AU$535.50 Million ≈ $378.90 Million |
+6.42% |
| 2025-06-30 | AU$503.20 Million ≈ $356.05 Million |
-13.08% |
| 2024-06-30 | AU$578.90 Million ≈ $409.61 Million |
+1.12% |
| 2023-06-30 | AU$572.50 Million ≈ $405.08 Million |
-8.79% |
| 2022-06-30 | AU$627.70 Million ≈ $444.14 Million |
-17.31% |
| 2021-06-30 | AU$759.10 Million ≈ $537.11 Million |
+29.43% |
| 2020-06-30 | AU$586.50 Million ≈ $414.99 Million |
-4.80% |
| 2019-06-30 | AU$616.10 Million ≈ $435.93 Million |
-1.83% |
| 2018-06-30 | AU$627.60 Million ≈ $444.07 Million |
-6.58% |
| 2017-06-30 | AU$671.80 Million ≈ $475.34 Million |
+9.70% |
| 2016-06-30 | AU$612.40 Million ≈ $433.31 Million |
+49.18% |
| 2015-06-30 | AU$410.50 Million ≈ $290.45 Million |
+6.64% |
| 2014-06-30 | AU$384.95 Million ≈ $272.38 Million |
+5.59% |
| 2013-06-30 | AU$364.58 Million ≈ $257.97 Million |
+34.66% |
| 2012-06-30 | AU$270.75 Million ≈ $191.57 Million |
+16.12% |
| 2011-06-30 | AU$233.18 Million ≈ $164.99 Million |
+13.40% |
| 2010-06-30 | AU$205.63 Million ≈ $145.49 Million |
+72.68% |
| 2009-06-30 | AU$119.08 Million ≈ $84.26 Million |
+20.71% |
| 2008-06-30 | AU$98.64 Million ≈ $69.80 Million |
+17.61% |
| 2007-06-30 | AU$83.87 Million ≈ $59.35 Million |
+56.77% |
| 2006-06-30 | AU$53.50 Million ≈ $37.85 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 125.9% over the analyzed period, indicating profitable operations and earnings retention.
Humm Group Ltd Net Assets Breakdown (June 2026)
Humm Group Ltd net assets breakdown by equity component as of June 2026.
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | AU$70.70 Million | 13.20% |
| Common Stock | AU$460.00 Million | 85.90% |
| Other Comprehensive Income | AU$4.80 Million | 0.90% |
| Other Components | AU$1.00 | 0.00% |
| Total Equity | AU$535.50 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 |
|---|---|
|
Equity Commonwealth
NYSE:EQC
|
$169.73 Million |
|
Wallix Group SA
PA:ALLIX
|
$169.74 Million |
|
Xponential Fitness Inc
NYSE:XPOF
|
$169.77 Million |
|
Paloma Acquisition Corp I Class A Ordinary Shares
NASDAQ:PALO
|
$169.79 Million |
|
Arman Financial Services Limited
NSE:ARMANFIN
|
$169.65 Million |
|
WhiteHorse Finance
NASDAQ:WHF
|
$169.65 Million |
|
Sentral REIT
KLSE:5123
|
$169.59 Million |
|
Phoenix Asia Holdings Limited Ordinary Shares
NASDAQ:PHOE
|
$169.56 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 2025 to 2026, total equity changed from 503,200,000 to 535,500,000, a change of 32,300,000 (6.4%).
- Net income of 15,700,000 contributed positively to equity growth.
- Dividend payments of 7,600,000 reduced retained earnings.
- Other comprehensive income increased equity by 16,199,999.
- Other factors increased equity by 8,000,001.
Equity Change Factors (2025 to 2026)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AU$15.70 Million | +2.93% |
| Dividends Paid | AU$7.60 Million | -1.42% |
| Other Comprehensive Income | AU$16.20 Million | +3.03% |
| Other Changes | AU$8.00 Million | +1.49% |
| Total Change | AU$- | 6.42% |
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: 0.44x
- 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 4.44x to 0.44x 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$0.48 | x |
| 2007-06-30 | AU$0.17 | AU$0.48 | x |
| 2008-06-30 | AU$0.20 | AU$0.48 | x |
| 2009-06-30 | AU$0.24 | AU$0.48 | x |
| 2010-06-30 | AU$0.41 | AU$0.48 | x |
| 2011-06-30 | AU$0.47 | AU$0.48 | x |
| 2012-06-30 | AU$0.54 | AU$0.48 | x |
| 2013-06-30 | AU$0.73 | AU$0.48 | x |
| 2014-06-30 | AU$0.77 | AU$0.48 | x |
| 2015-06-30 | AU$0.82 | AU$0.48 | x |
| 2016-06-30 | AU$1.71 | AU$0.48 | x |
| 2017-06-30 | AU$1.75 | AU$0.48 | x |
| 2018-06-30 | AU$1.63 | AU$0.48 | x |
| 2019-06-30 | AU$1.57 | AU$0.48 | x |
| 2020-06-30 | AU$1.17 | AU$0.48 | x |
| 2021-06-30 | AU$1.52 | AU$0.48 | x |
| 2022-06-30 | AU$1.26 | AU$0.48 | x |
| 2023-06-30 | AU$1.15 | AU$0.48 | x |
| 2024-06-30 | AU$1.05 | AU$0.48 | x |
| 2025-06-30 | AU$1.02 | AU$0.48 | x |
| 2026-06-30 | AU$1.07 | AU$0.48 | 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): 2.93%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 2.47%
- • Asset Turnover: 0.12x
- • Equity Multiplier: 9.48x
- Recent ROE (2.93%) is below the historical average (12.06%), 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% | 20.19% | 0.25x | 6.45x | AU$22.39 Million |
| 2009 | 27.55% | 17.78% | 0.25x | 6.08x | AU$20.89 Million |
| 2010 | 28.65% | 28.85% | 0.25x | 4.00x | AU$38.36 Million |
| 2011 | 22.20% | 23.21% | 0.25x | 3.87x | AU$28.44 Million |
| 2012 | 21.78% | 23.95% | 0.22x | 4.22x | AU$31.88 Million |
| 2013 | 18.06% | 23.17% | 0.20x | 3.99x | AU$29.38 Million |
| 2014 | 14.95% | 18.18% | 0.19x | 4.25x | AU$19.07 Million |
| 2015 | 20.15% | 24.27% | 0.19x | 4.35x | AU$41.65 Million |
| 2016 | 8.20% | 12.66% | 0.15x | 4.38x | AU$-11.04 Million |
| 2017 | 13.01% | 18.89% | 0.17x | 4.15x | AU$20.22 Million |
| 2018 | -1.45% | -1.90% | 0.17x | 4.55x | AU$-71.86 Million |
| 2019 | 10.01% | 12.63% | 0.16x | 5.05x | AU$90.00K |
| 2020 | 3.94% | 4.83% | 0.16x | 5.19x | AU$-35.55 Million |
| 2021 | 7.92% | 13.52% | 0.13x | 4.35x | AU$-15.81 Million |
| 2022 | -27.13% | -38.67% | 0.12x | 6.00x | AU$-233.07 Million |
| 2023 | 0.51% | 0.57% | 0.11x | 8.33x | AU$-54.35 Million |
| 2024 | 1.35% | 1.15% | 0.11x | 10.31x | AU$-45.43 Million |
| 2025 | 7.87% | 5.94% | 0.12x | 10.61x | AU$-10.72 Million |
| 2026 | 2.93% | 2.47% | 0.12x | 9.48x | AU$-37.85 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: $291,314,632
- Average return on equity (ROE) among peers: -53.07%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Humm Group Ltd (HUM) | AU$535.50 Million | 27.93% | 8.48x | $169.70 Million |
| Butn Ltd (BTN) | $-907.04K | 0.00% | 0.00x | $2.69 Million |
| Credit Corp Group Ltd (CCP) | $5.39 Million | 9.70% | 0.03x | $736.87 Million |
| Earlypay Ltd (EPY) | $10.27 Million | 10.83% | 2.13x | $21.71 Million |
| FSA Group Ltd (FSA) | $54.11 Million | 26.63% | 8.03x | $103.52 Million |
| Harmoney Corp Ltd (HMY) | $53.76 Million | -14.10% | 13.67x | $50.80 Million |
| Lawfinance Ltd (LAW) | $243.35K | -469.82% | 4.39x | $225.95K |
| Liberty Financial Group (LFG) | $901.58 Million | 10.82% | 13.15x | $730.38 Million |
| Latitude Group Holdings Ltd (LFS) | $1.47 Billion | 2.56% | 4.37x | $595.90 Million |
| Moneyme Ltd (MME) | $122.89 Million | -54.20% | 12.49x | $34.50 Million |
About Humm Group Ltd
Humm Group Limited, together with its subsidiaries, provides various financial products and services in Australia, New Zealand, Ireland, the United Kingdom, and Canada. The company operates through Commercial and Leasing, Point of Sale Payment Plans (PosPP), New Zealand Cards, and Australia Cards segments. It offers interest-free payment and repayment options to cover home renovation, veterinary,… Read more