Humm Group (FRA:F5L) Debt-to-EBITDA : (As of Jun. 2026)

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FRA:F5L Humm Group Ltd FRA:F5L
30 GF Score
Price €0.23
GF Value €0.35
! 7 Warning Signs
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What is Humm Group Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Humm Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €806.8 Mil. Humm Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €1,889.7 Mil. Humm Group's annualized EBITDA for the quarter that ended in Jun. 2026 was €176.1 Mil. Humm Group's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 15.31.

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: 13.65   Max: 26.41
Current: 13.98

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 13.65.

FRA:F5L's Debt-to-EBITDA is ranked worse than
68.29% of 287 companies
in the Credit Services industry
Industry Median: 8.34 vs FRA:F5L: 13.98

Humm Group  (FRA:F5L) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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.

Humm Group Debt-to-EBITDA Chart

Humm Group Annual Data
Trend Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Debt-to-EBITDA
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Humm Group Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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FRA:F5L vs V, MA, AXP: Debt-to-EBITDA Comparison

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.


FRA:F5L
30GF Score
Humm Group Ltd FRA:F5L
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Humm Group Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Humm Group's Debt-to-EBITDA for the fiscal year that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(806.84264847372 + 1889.7024403044) / 184.97529435028
=14.58

Humm Group's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(806.84264847372 + 1889.7024403044) / 176.10226530271
=15.31

* 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 (Jun. 2026) EBITDA data.

Is Humm Group (FRA:F5L) Overvalued in 2026?

Based on GuruFocus' analysis, Humm Group stock appears to be undervalued. The current stock price of €0.23 is trading 33.1% below its estimated GF Value™ of €0.35.

Key valuation signals for FRA:F5L:

  • Debt-to-EBITDA:
  • GF Value™: €0.35 vs. price of €0.23 (33.1% below fair value)
  • GF Score™: 30/100 with 7 warning signs

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 Business Description

Other Exchanges HUMGF:USAHUM:Australia
Address 121 Harrington Street, Level 1, Sydney, NSW, AUS, 2000
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.
30GF 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.

€0.23
Price
€0.35
GF Value