Humm Group - Public Comps and Valuation Multiples

Humm Group Overview

About Humm Group

Humm Group Ltd is a diversified financial services company that provides instalment plans which enable businesses and consumers to make large purchases. hummgroup operates in Australia, New Zealand, Ireland, Canada and the United Kingdom. Its principal activities inlcude Commercial Lending in Australia and New Zealand; Point of Sale Payment Plans; Australia Cards (humm90); and New Zealand Cards (including Farmers Finance Card, Farmers Mastercard, Q Card, Q Mastercard and Flight Centre Mastercard). Its segment includes: Commercial; PosPP; Cards NZ; Cards AU; and Corporate.

Founded

2006

HQ

Employees

533

Website

shophumm.com

Sectors

BNPL
Lending Solutions
Online Lending
FinTech

Financials

LTM Revenue $416M

LTM EBITDA $47.4M

EV

$3.1B

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Humm Group Financials

As of August 2025, Humm Group reported last 12-month revenue of $416M and EBITDA of $47.4M.

In the same period, Humm Group achieved $34.4M in LTM net income.

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Humm Group P&L

In the most recent fiscal year, Humm Group reported revenue of $428M and EBITDA of $243M.

Humm Group expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$416M	XXX	$428M	XXX	XXX	XXX
Gross Profit	n/a	XXX	$406M	XXX	XXX	XXX
Gross Margin	n/a	XXX	95%	XXX	XXX	XXX
EBITDA	$47.4M	XXX	$243M	XXX	XXX	XXX
EBITDA Margin	11%	XXX	57%	XXX	XXX	XXX
EBIT	$44.0M	XXX	$227M	XXX	XXX	XXX
EBIT Margin	11%	XXX	53%	XXX	XXX	XXX
Net Profit	$34.4M	XXX	$25.9M	XXX	XXX	XXX
Net Margin	8%	XXX	6%	XXX	XXX	XXX
Net Debt	XXX	XXX	$2.8B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Humm Group including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $416M. EBITDA for the last twelve months was $47.4M. In the most recent fiscal year, Humm Group achieved $428M in revenue and $243M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$416M	Analyst estimates available to subscribers	$428M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$406M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	94.8% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$47.4M	Analyst estimates available to subscribers	$243M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	11.4% EBITDA margin	Analyst estimates available to subscribers	56.6% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$44.0M	Analyst estimates available to subscribers	$227M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	10.6% EBIT margin	Analyst estimates available to subscribers	53.1% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$34.4M	Analyst estimates available to subscribers	$25.9M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	8.3% net profit margin	Analyst estimates available to subscribers	6.1% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$2.8B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Humm Group

This financial data table provides comprehensive performance metrics for Humm Group, a company based in Australia. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Humm Group generated $416M in revenue over the last twelve months.
The company achieved $47.4M in EBITDA over the last twelve months.
Net income over the last twelve months reached $34.4M.

Fiscal Year Performance

In the most recent fiscal year, Humm Group reported $428M in total revenue.
Fiscal year EBITDA was $243M.
The company maintained a gross profit margin of 94.8% in the most recent fiscal year.
EBITDA margin for the fiscal year was 56.6%.
Net profit margin reached 6.1% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Humm Group. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Humm Group Stock Performance

Humm Group has current market cap of AUD 323M (or $211M), and EV of AUD 4.7B (or $3.1B).

Market Cap Evolution

Humm Group Stock Data

As of September 15, 2025, Humm Group's stock price is AUD 1 (or $0).

See Humm Group trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$3.1B	$211M	XXX	XXX	XXX	XXX	$0.07

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Humm Group Valuation Multiples

Humm Group's trades at 7.4x EV/Revenue multiple, and 13.8x EV/EBITDA.

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Humm Group Financial Valuation Multiples

As of September 15, 2025, Humm Group has market cap of $211M and EV of $3.1B.

Equity research analysts estimate Humm Group's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Humm Group has a P/E ratio of 6.1x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$211M	XXX	$211M	XXX	XXX	XXX
EV (current)	$3.1B	XXX	$3.1B	XXX	XXX	XXX
EV/Revenue	7.4x	XXX	7.4x	XXX	XXX	XXX
EV/EBITDA	64.7x	XXX	13.8x	XXX	XXX	XXX
EV/EBIT	69.6x	XXX	14.7x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	6.1x	XXX	13.8x	XXX	XXX	XXX
EV/FCF	n/a	XXX	-17.3x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Humm Group Margins & Growth Rates

Humm Group's last 12 month revenue growth is -18%

Humm Group's revenue per employee in the last FY averaged $0.8M, while opex per employee averaged $0.3M for the same period.

Humm Group's rule of 40 is 36% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Humm Group's rule of X is -33% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Humm Group Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	-18%	XXX	-9%	XXX	XXX	XXX
EBITDA Margin	11%	XXX	53%	XXX	XXX	XXX
EBITDA Growth	10%	XXX	-50%	XXX	XXX	XXX
Rule of 40	36%	XXX	36%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	-33%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.8M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.3M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	2%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	42%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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