Humm Group Limited
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 Limited (F5L) - Net Assets
Latest net assets as of June 2025: €503.20 Million EUR
Based on the latest financial reports, Humm Group Limited (F5L) has net assets worth €503.20 Million EUR as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€5.34 Billion) and total liabilities (€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 | €503.20 Million |
| % of Total Assets | 9.43% |
| Annual Growth Rate | -3.55% |
| 5-Year Change | -33.71% |
| 10-Year Change | N/A |
| Growth Volatility | 13.24 |
Humm Group Limited - Net Assets Trend (2017–2025)
This chart illustrates how Humm Group Limited'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 Limited (2017–2025)
The table below shows the annual net assets of Humm Group Limited from 2017 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | €503.20 Million | -13.08% |
| 2024-06-30 | €578.90 Million | -7.54% |
| 2023-06-30 | €626.10 Million | -0.25% |
| 2022-06-30 | €627.70 Million | -17.31% |
| 2021-06-30 | €759.10 Million | +29.43% |
| 2020-06-30 | €586.50 Million | -4.80% |
| 2019-06-30 | €616.10 Million | -1.83% |
| 2018-06-30 | €627.60 Million | -6.58% |
| 2017-06-30 | €671.80 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Humm Group Limited'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 decreased by 76.3% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €69.50 Million | 13.81% |
| Other Components | €433.70 Million | 86.19% |
| Total Equity | €503.20 Million | 100.00% |
Humm Group Limited Competitors by Market Cap
The table below lists competitors of Humm Group Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Newmax Technology Co Ltd
TWO:3630
|
$97.86 Million |
|
LVMC Holdings
KO:900140
|
$97.88 Million |
|
Alligator Energy Ltd
AU:AGE
|
$97.88 Million |
|
LGI Ltd
AU:LGI
|
$97.91 Million |
|
Arman Financial Services Limited
NSE:ARMANFIN
|
$97.80 Million |
|
TONGDAO LIEP.GR. DL-0001
F:6WT
|
$97.80 Million |
|
DOFRB
IS:DOFRB
|
$97.79 Million |
|
Bank Artha Graha Internasional
JK:INPC
|
$97.79 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Humm Group Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 578,900,000 to 503,200,000, a change of -75,700,000 (-13.1%).
- Net income of 39,600,000 contributed positively to equity growth.
- Dividend payments of 19,200,000 reduced retained earnings.
- Other factors decreased equity by 96,100,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €39.60 Million | +7.87% |
| Dividends Paid | €19.20 Million | -3.82% |
| Other Changes | €-96.10 Million | -19.1% |
| Total Change | €- | -13.08% |
Book Value vs Market Value Analysis
This analysis compares Humm Group Limited'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: 0.39x
- 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 increased from 0.23x to 0.39x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-06-30 | €1.74 | €0.39 | x |
| 2018-06-30 | €1.63 | €0.39 | x |
| 2019-06-30 | €1.52 | €0.39 | x |
| 2020-06-30 | €1.44 | €0.39 | x |
| 2021-06-30 | €1.53 | €0.39 | x |
| 2022-06-30 | €1.27 | €0.39 | x |
| 2023-06-30 | €1.24 | €0.39 | x |
| 2024-06-30 | €1.18 | €0.39 | x |
| 2025-06-30 | €1.02 | €0.39 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Humm Group Limited 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 above the historical average (1.71%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 13.01% | 18.05% | 0.17x | 4.15x | €20.22 Million |
| 2018 | -1.64% | -2.14% | 0.17x | 4.55x | €-73.06 Million |
| 2019 | 10.01% | 12.92% | 0.15x | 5.05x | €90.00K |
| 2020 | 3.65% | 4.60% | 0.15x | 5.19x | €-37.25 Million |
| 2021 | 7.92% | 13.74% | 0.13x | 4.35x | €-15.81 Million |
| 2022 | -27.13% | -39.07% | 0.12x | 6.00x | €-233.07 Million |
| 2023 | 0.46% | 0.57% | 0.11x | 7.62x | €-59.71 Million |
| 2024 | 1.23% | 1.15% | 0.11x | 9.36x | €-50.79 Million |
| 2025 | 7.87% | 6.06% | 0.12x | 10.61x | €-10.72 Million |
Industry Comparison
This section compares Humm Group Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $6,348,032,190
- Average return on equity (ROE) among peers: 14.60%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Humm Group Limited (F5L) | €503.20 Million | 13.01% | 9.61x | $97.82 Million |
| Yiren Digital Ltd (19YA) | $4.82 Billion | 21.42% | 0.61x | $89.17 Million |
| Yixin Group Limited (1YX) | $15.33 Billion | 2.42% | 1.10x | $716.43 Million |
| BFF Bank S.p.A (2BF) | $571.60 Million | 34.53% | 18.55x | $540.23 Million |
| Resurs Holding AB (publ) (4R6) | $7.57 Billion | 10.54% | 5.32x | $60.83 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $17.62 Billion | 11.05% | 2.97x | $642.11 Million |
| ALBIS Leasing AG (ALG) | $18.88 Million | 21.27% | 9.03x | $12.44 Million |
| Brockhaus Capital Management AG (BKHT) | $315.34 Million | 15.55% | 1.08x | $77.40 Million |
| Shougang Concord Grand (Group) Limited (CGG) | $1.89 Billion | 1.44% | 0.23x | $23.36 Million |
| Qfin Holdings, Inc. (CKR0) | $15.22 Billion | 38.00% | 1.20x | $1.36 Billion |
| creditshelf Aktiengesellschaft (CSQ) | $128.80 Million | -10.21% | 0.88x | $2.48K |