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Humm is a diversified finance provider with offerings centered on buy now pay later, or BNPL, credit cards and equipment finance. It facilitates purchases for over 2.7 million customers. Humm operates in Australia, New Zealand, Ireland, and Canada. While it caters for a diverse range of industries, its focus is on financing higher ticket items. Unlike the glut of new BNPL firms, Humm is established with a long operating history. Originally Flexigroup, Humm had a strategic refresh in 2019 where it has now consolidated to a handful of main brands in ANZ, from 20 before. In its earlier days, Humm focused on Visa and interest-free cards, lay-by, consumer leasing, commercial finance, and other payment solutions to consumers and small businesses.
2006
570
LTM Revenue $342M
LTM EBITDA n/a
$2.9B
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Humm Group has a last 12-month revenue of $342M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Humm Group achieved revenue of $391M and an EBITDA of $195M.
Humm Group expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Humm Group valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $322M | $391M | XXX | XXX | XXX |
| Gross Profit | $258M | $300M | XXX | XXX | XXX |
| Gross Margin | 80% | 77% | XXX | XXX | XXX |
| EBITDA | $120M | $195M | XXX | XXX | XXX |
| EBITDA Margin | 37% | 50% | XXX | XXX | XXX |
| Net Profit | -$108M | $1.8M | XXX | XXX | XXX |
| Net Margin | -33% | 0% | XXX | XXX | XXX |
| Net Debt | $1.7B | $2.3B | XXX | XXX | XXX |
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As of March 17, 2025, Humm Group's stock price is AUD 1 (or $0).
Humm Group has current market cap of AUD 261M (or $165M), and EV of AUD 4.6B (or $2.9B).
See Humm Group trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $2.9B | $165M | XXX | XXX | XXX | XXX | $0.07 |
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Sign UpAs of March 17, 2025, Humm Group has market cap of $165M and EV of $2.9B.
Humm Group's trades at 8.4x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate Humm Group's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Humm Group and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $2.9B | XXX | XXX | XXX |
| EV/Revenue | 8.1x | XXX | XXX | XXX |
| EV/EBITDA | 23.3x | XXX | XXX | XXX |
| P/E | 7.9x | XXX | XXX | XXX |
| P/E/Growth | 0.2x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpHumm Group's NTM/LTM revenue growth is -2%
Humm Group's revenue per employee for the last fiscal year averaged $0.7M, while opex per employee averaged $0.3M for the same period.
Over next 12 months, Humm Group's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Humm Group's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Humm Group and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 21% | XXX | XXX | XXX | XXX |
| EBITDA Margin | 35% | XXX | XXX | XXX | XXX |
| EBITDA Growth | 63% | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | 33% | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.7M | XXX | XXX | XXX | XXX |
| Opex per Employee | $0.3M | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 2% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 15% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 48% | XXX | XXX | XXX | XXX |
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| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Zip Co | XXX | XXX | XXX | XXX | XXX | XXX |
| Affirm | XXX | XXX | XXX | XXX | XXX | XXX |
| PayPal | XXX | XXX | XXX | XXX | XXX | XXX |
| Sezzle | XXX | XXX | XXX | XXX | XXX | XXX |
| Block | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Humm Group acquired XXX companies to date.
Last acquisition by Humm Group was XXXXXXXX, XXXXX XXXXX XXXXXX . Humm Group acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Sign Up| When was Humm Group founded? | Humm Group was founded in 2006. |
| Where is Humm Group headquartered? | Humm Group is headquartered in Australia. |
| How many employees does Humm Group have? | As of today, Humm Group has 570 employees. |
| Who is the CEO of Humm Group? | Humm Group's CEO is Mr. Stuart I. Grimshaw. |
| Is Humm Group publicy listed? | Yes, Humm Group is a public company listed on ASX. |
| What is the stock symbol of Humm Group? | Humm Group trades under HUM ticker. |
| When did Humm Group go public? | Humm Group went public in 2006. |
| Who are competitors of Humm Group? | Similar companies to Humm Group include e.g. Zip Co, Affirm, PayPal, Sezzle. |
| What is the current market cap of Humm Group? | Humm Group's current market cap is $165M |
| What is the current revenue of Humm Group? | Humm Group's last 12-month revenue is $342M. |
| What is the current EV/Revenue multiple of Humm Group? | Current revenue multiple of Humm Group is 8.4x. |
| What is the current revenue growth of Humm Group? | Humm Group revenue growth between 2023 and 2024 was 21%. |
| Is Humm Group profitable? | Yes, Humm Group is EBITDA-positive (as of the last 12 months). |
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