Humm GroupASX:HUM 51 Days Payable is 705.49 as of Dec. 2025, which is 21% below its 10-year median of 889.68. GuruFocus rates ASX:HUM with a GF Score™ of 51/100 and a GF Value™ of A$0.65 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 301 Credit Services companies, Humm Group ranks better than 91.36% on this metric.
Humm Group's average Accounts Payable for the
six
months ended in Dec. 2025 was A$51.8 Mil. Humm Group's Cost of Goods Sold for the
six
months ended in Dec. 2025 was A$13.4 Mil.
Hence, Humm Group's Days Payable for the
six
months ended in Dec. 2025 was 705.49.
The historical rank and industry rank for Humm Group's Days Payable or its related term are showing as below:
ASX:HUM'
s Days Payable Range Over the Past 10 Years
Min: 604.16 Med: 889.68 Max: 5822.34
Current: 653.74
During the past 13 years, Humm Group's highest Days Payable was 5822.34. The lowest was 604.16. And the median was 889.68.
ASX:HUM's Days Payable is ranked better than 91.36% of 301
companies
in the Credit Services industry
Industry Median: 33.87
vs ASX:HUM: 653.74
Humm Group's Days Payable
increased
from Dec. 2024 (523.49) to Dec. 2025 (705.49).
It may suggest that Humm Groupdelayed paying its suppliers.
Humm Group Days Payable Related Terms
Humm Group Days Payable Historical Data
* Premium members only.
The historical data trend for Humm Group's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Humm Group's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Humm Group Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's Days Payable distribution charts can be found below:
* The bar in red indicates where Humm Group's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Humm Group's Days Payable for the fiscal year that ended in Jun. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Humm Group (ASX:HUM) has a Days Payable of 705.49 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Humm Group and its competitors. This is 21% below median its historical median of 889.68. Over the past decade, Humm Group's Days Payable has ranged from 604.16 to 5,822.34. According to the industry distribution chart, Humm Group ranks #26 out of 301 companies in the Credit Services industry, placing it in the top 8.6%.
Is Humm Group's Days Payable too high?
Humm Group's current Days Payable of 705.49 is 21% below median its 10-year median of 889.68. Over the past 10 years, this metric has ranged from a low of 604.16 to a high of 5,822.34. The Credit Services industry median Days Payable is 33.87. Humm Group's value of 705.49 is 1982.9% above this industry median. Based on the distribution chart, Humm Group ranks #26 out of 301 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Humm Group has a GF Score™ of 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Humm Group's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #26 out of 301 companies for Days Payable. This places Humm Group in the top 9% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.87. Humm Group's value of 705.49 is 1982.9% above this benchmark. Historically, Humm Group's own Days Payable has ranged from 604.16 to 5,822.34 over the past decade. While the company's 10-year median is 889.68 vs. the industry median of 33.87, Humm Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.87, based on 301 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current Days Payable of 705.49 is 1982.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Humm Group and its competitors. For the Credit Services industry, the median Days Payable is 33.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current Days Payable is 705.49, which is 21% below median its own 10-year median of 889.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Humm Group stock overvalued right now?
Based on GuruFocus' analysis, Humm Group (ASX:HUM) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.65, compared to a current price of A$0.47 — trading 27.7% below its estimated fair value. The current Days Payable is 705.49, which is 21% below median its 10-year median of 889.68 and 1982.9% above the Credit Services industry median of 33.87. Humm Group's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Humm Group (ASX:HUM), the current Days Payable is 705.49 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Humm Group (ASX:HUM) Overvalued in 2026?
Based on GuruFocus' analysis, Humm Group stock appears to be undervalued.
The current stock price of A$0.47 is trading 27.7% below its estimated GF Value™ of A$0.65.
GuruFocus considers Humm Group to be Modestly Undervalued.
Key valuation signals for ASX:HUM:
Days Payable: 705.49 (21% below median its 10-year median of 889.68)
GF Value™: A$0.65 vs. price of A$0.47 (27.7% below fair value)
Industry Position: 1982.9% above the Credit Services median (#26 of 301)
No single metric tells the full story. See the ASX:HUM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
51GF Score
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