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Humm GroupFRA:F5L 34 Debt-to-EBITDA is 13.68 as of Dec. 2025, which is 5% above its 10-year median of 12.99. GuruFocus rates FRA:F5L with a GF Score™ of 34/100 and a GF Value™ of €0.36. The stock has 5 warning signs investors should review. Among 284 Credit Services companies, Humm Group ranks worse than 63.73% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Humm Group's Debt-to-EBITDA or its related term are showing as below:
FRA:F5L'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -48.13 Med: 12.99 Max: 26.41
Current: 13.69
During the past 13 years, the highest Debt-to-EBITDA Ratio of Humm Group was 26.41. The lowest was -48.13. And the median was 12.99.
FRA:F5L's Debt-to-EBITDA is ranked worse than 63.73% of 284
companies
in the Credit Services industry
Industry Median: 9.115
vs FRA:F5L: 13.69
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Humm Group Debt-to-EBITDA Related Terms
Humm Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Humm Group's Debt-to-EBITDA 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 Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Humm Group's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Humm Group (FRA:F5L) has a Debt-to-EBITDA of 13.68 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Humm Group. This is near median its historical median of 12.99. According to the industry distribution chart, Humm Group ranks #181 out of 284 companies in the Credit Services industry, placing it in the top 63.7%.
Is Humm Group's Debt-to-EBITDA too high?
Humm Group's current Debt-to-EBITDA of 13.68 is near median its 10-year median of 12.99. The Credit Services industry median Debt-to-EBITDA is 9.12. Humm Group's value of 13.68 is 50.1% above this industry median. Based on the distribution chart, Humm Group ranks #181 out of 284 companies in the Credit Services industry, which is below the industry midpoint. Overall, Humm Group has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Humm Group's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #181 out of 284 companies for Debt-to-EBITDA. This places Humm Group in the lower half of its industry. The industry median Debt-to-EBITDA is 9.12. Humm Group's value of 13.68 is 50.1% above this benchmark. While the company's 10-year median is 12.99 vs. the industry median of 9.12, 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.12, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current Debt-to-EBITDA of 13.68 is 50.1% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Humm Group. For the Credit Services industry, the median Debt-to-EBITDA is 9.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current Debt-to-EBITDA is 13.68, which is near median its own 10-year median of 12.99. 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?
Humm Group (FRA:F5L) has a current Debt-to-EBITDA of 13.68. The stock's GF Value™ is €0.36, compared to a current price of €0.24 — trading 32.2% below its estimated fair value. The current Debt-to-EBITDA is 13.68, which is near median its 10-year median of 12.99 and 50.1% above the Credit Services industry median of 9.12. Humm Group's overall GF Score™ is 34/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current Debt-to-EBITDA is 13.68 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 (FRA:F5L) Overvalued in 2026?
Based on GuruFocus' analysis, Humm Group stock appears to be undervalued.
The current stock price of €0.24 is trading 32.2% below its estimated GF Value™ of €0.36.
Key valuation signals for FRA:F5L:
Debt-to-EBITDA: 13.68 (near median its 10-year median of 12.99)
GF Value™: €0.36 vs. price of €0.24 (32.2% below fair value)
Industry Position: 50.1% above the Credit Services median (#181 of 284)
No single metric tells the full story. See the FRA:F5L 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.
34GF Score
Get the complete analysis for FRA:F5L
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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