Humm Group Ltd
ASX:HUM

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Humm Group Ltd
ASX:HUM
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Price: 0.625 AUD Market Closed
Market Cap: AU$315.6m

EV/FCFF

-1485.7
Current
26 335%
More Expensive
vs 3-y average of -5.6

Enterprise Value to Free Cash Flow to Firm (EV/FCFF) ratio compares a company`s total enterprise value to the free cash flow available to all investors, both debt and equity holders. It shows how much investors are paying for each dollar of cash flow the business generates before interest payments.

EV/FCFF
-1485.7
=
Enterprise Value
AU$4.9B
/
Free Cash Flow to Firm
AU$-3.3m

Enterprise Value to Free Cash Flow to Firm (EV/FCFF) ratio compares a company`s total enterprise value to the free cash flow available to all investors, both debt and equity holders. It shows how much investors are paying for each dollar of cash flow the business generates before interest payments.

EV/FCFF
-1485.7
=
Enterprise Value
AU$4.9B
/
Free Cash Flow to Firm
AU$-3.3m

Valuation Scenarios

Humm Group Ltd is trading above its industry average

If EV/FCFF returns to its Industry Average (17.4), the stock would be worth AU$-0.01 (101% downside from current price).

Statistics
Positive Scenarios
0/2
Maximum Downside
-101%
Maximum Upside
No Upside Scenarios
Average Downside
101%
Scenario EV/FCFF Value Implied Price Upside/Downside
Current Multiple -1 485.7 AU$0.63
0%
Industry Average 17.4 AU$-0.01
-101%
Country Average 21 AU$-0.01
-101%

Forward EV/FCFF
Today’s price vs future free cash flow to firm

Not enough data available to calculate forward EV/FCFF

Peer Comparison

All Multiples
EV/FCFF
P/E
All Countries
Close
EV/FCFF Multiple
 
AU
Humm Group Ltd
ASX:HUM
Average EV/FCFF: 23.7
Negative Multiple: -1 485.7
US
American Express Co
NYSE:AXP
23.7
US
Capital One Financial Corp
NYSE:COF
Not Available
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
Negative Multiple: -13.5
US
Discover Financial Services
NYSE:DFS
Not Available
US
Synchrony Financial
NYSE:SYF
Not Available
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
Negative Multiple: -14
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
Negative Multiple: -7.6
IN
Tata Capital Ltd
NSE:TATACAP
Negative Multiple: -15.5

Market Distribution

Lower than 100% of companies in Australia
Percentile
0th
Based on 1 159 companies
0th percentile
-1 485.7
Low
0 — 13.2
Typical Range
13.2 — 32.6
High
32.6 —
Distribution Statistics
Australia
Min 0
30th Percentile 13.2
Median 21
70th Percentile 32.6
Max 583 153.2

Humm Group Ltd
Glance View

Market Cap
315.6m AUD
Industry
Financial Services

Humm Group Ltd. operates as a financial services group, which provides financial products through a network of retailers and brokers. The company is headquartered in Sydney, New South Wales and currently employs 730 full-time employees. The company went IPO on 2006-12-12. The Company’s product includes humm, bundll, humm90 and hummpro. humm provides interest-free payment platform with repayment options from 10 weeks up to 60 months. humm offers BNPL category to cover home renovation, veterinary services, dental, optical, furniture expenses and even fertility services. humm is available in Australia, Ireland and New Zealand. humm90 is a Mastercard, which enables long term interest free finance and offers 110 days interest free. hummpro is built for business, which provides access to up to $30,000 with flexible repayment options. Bundll is a BNPL product delivered via the Mastercard network. The company provides mobile digital payment solution available direct from their smartphone. bundll is available in Australia. Its Q Mastercard is a credit card with interest free at its core.

HUM Intrinsic Value
2.972 AUD
Undervaluation 79%
Intrinsic Value
Price AU$0.625
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