Humm Group (Humm Group) EBIT : $140.0 Mil (TTM As of Dec. 2023)

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What is Humm Group EBIT?

Humm Group's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2023 was $82.5 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2023 was $140.0 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Humm Group's annualized ROC % for the quarter that ended in Dec. 2023 was -3.75%. Humm Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2023 was 2,060.55%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Humm Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2023 was -140.73%.

Humm Group EBIT Historical Data

The historical data trend for Humm Group's EBIT 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.

* Premium members only.

Humm Group EBIT Chart

Humm Group Annual Data

Trend

Jun14

Jun15

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

EBIT

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132.99

78.68

119.34

-70.06

113.36

Humm Group Semi-Annual Data
	Jun14	Dec14	Jun15	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23
EBIT	Get a 7-Day Free Trial															-89.77	18.13	56.21	57.45	82.53

Competitive Comparison of Humm Group's EBIT

For the Credit Services subindustry, Humm Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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's EV-to-EBIT Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Humm Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Humm Group's EV-to-EBIT falls into.

Humm Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2023 adds up the semi-annually data reported by the company within the most recent 12 months, which was $140.0 Mil.

Humm Group (OTCPK:HUMGF) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Humm Group's annualized ROC % for the quarter that ended in Dec. 2023 is calculated as:

	ROC % (Q: Dec. 2023 )
=	NOPAT	/	Average Invested Capital
=	Operating Income * ( 1 - Tax Rate % )	/	( (Invested Capital (Q: Jun. 2023 )	+	Invested Capital (Q: Dec. 2023 ))	/ count )
=	-169.076 * ( 1 - 31.82% )	/	( (2935.303	+	3215.73)	/ 2 )
=	-115.2760168	/	3075.5165
=	-3.75 %

where

	Invested Capital		(Q: Jun. 2023 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	3200.537	-	39.664	-	( 225.57	-	max(0, 2778.054	-	3029.597	+	225.57	))
=	2935.303

	Invested Capital		(Q: Dec. 2023 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	3491.165	-	37.818	-	( 3263.052	-	max(0, 3106.56	-	3344.177	+	3263.052	))
=	3215.73

Note: The Operating Income data used here is two times the semi-annual (Dec. 2023) data.

2. Joel Greenblatt's definition of Return on Capital:

Humm Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2023 is calculated as:

	ROC (Joel Greenblatt) %		(Q: Dec. 2023 )
=	EBIT	/	Average of (Net fixed Assets	+	Net Working Capital)
=	EBIT	/	Average of (Property, Plant and Equipment	+	Net Working Capital)
			Q: Jun. 2023		Q: Dec. 2023
=	EBIT	/	( ( (Property, Plant and Equipment + Net Working Capital)	+	(Property, Plant and Equipment + Net Working Capital) )	/	count )
=	165.06	/	( ( (9.06 + max(-57.114, 0))	+	(6.961 + max(-1.2719999999998, 0)) )	/	2 )
=	165.06	/	( ( 9.06	+	6.961 )	/	2 )
=	165.06	/	8.0105
=	2,060.55 %

where Working Capital is:

	Working Capital		(Q: Jun. 2023 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(0	+	0	+	16.376)	-	(39.664	+	0	+	33.826)
=	-57.114

	Working Capital		(Q: Dec. 2023 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(55.689	+	0	+	25.436)	-	(37.818	+	1.74	+	42.839)
=	-1.2719999999998

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Dec. 2023) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Humm Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %	=	EBIT (TTM)	/	Enterprise Value (Q: Dec. 2023 )
	=	139.98	/	-99.466
	=	-140.73 %

Humm Group EBIT Related Terms

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Humm Group (Humm Group) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Humm Group Ltd (OTCPK:HUMGF) » Definitions » EBIT

Comparable Companies

Traded in Other Exchanges

HUM:Australia

Address

121 Harrington Street, Level 1, Sydney, NSW, AUS, 2000

Website

https://www.shophumm.com

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 around four 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.

Humm Group (Humm Group) Headlines

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