Humm GroupASX:HUM +1.10%52 EBITDA Margin % is 377.63% as of Dec. 2025, which is 841% above its 10-year median of 40.13. GuruFocus rates ASX:HUM with a GF Score™ of 52/100 and a GF Value™ of A$0.65 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 414 Credit Services companies, Humm Group ranks better than 81.88% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Humm Group's EBITDA for the
six
months ended in Dec. 2025 was A$172.2 Mil. Humm Group's Revenue for the
six
months ended in Dec. 2025 was A$45.6 Mil. Therefore, Humm Group's EBITDA margin for the quarter that ended in Dec. 2025 was 377.63%.
Humm Group (ASX:HUM) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Humm Group EBITDA Margin % Related Terms
Humm Group EBITDA Margin % Historical Data
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The historical data trend for Humm Group's EBITDA Margin % 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 EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Humm Group's EBITDA Margin % 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.
Humm Group (ASX:HUM) has a EBITDA Margin % of 377.63% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Humm Group and its competitors. This is 841% above median its historical median of 40.13. According to the industry distribution chart, Humm Group ranks #75 out of 414 companies in the Credit Services industry, placing it in the top 18.1%.
Is Humm Group's EBITDA Margin % too high?
Humm Group's current EBITDA Margin % of 377.63% is 841% above median its 10-year median of 40.13. The Credit Services industry median EBITDA Margin % is 20.91. Humm Group's value of 377.63% is 1706% above this industry median. Based on the distribution chart, Humm Group ranks #75 out of 414 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 52/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Humm Group's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #75 out of 414 companies for EBITDA Margin %. This places Humm Group in the top 18% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 20.91. Humm Group's value of 377.63% is 1706% above this benchmark. While the company's 10-year median is 40.13 vs. the industry median of 20.91, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current EBITDA Margin % of 377.63% is 1706% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Humm Group and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current EBITDA Margin % is 377.63%, which is 841% above median its own 10-year median of 40.13. 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$0.46 — trading 29.2% below its estimated fair value. The current EBITDA Margin % is 377.63%, which is 841% above median its 10-year median of 40.13 and 1706% above the Credit Services industry median of 20.91. Humm Group's overall GF Score™ is 52/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Humm Group (ASX:HUM), the current EBITDA Margin % is 377.63% 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$0.46 is trading 29.2% below its estimated GF Value™ of A$0.65.
GuruFocus considers Humm Group to be Modestly Undervalued.
Key valuation signals for ASX:HUM:
EBITDA Margin %: 377.63% (841% above median its 10-year median of 40.13)
GF Value™: A$0.65 vs. price of A$0.46 (29.2% below fair value)
Industry Position: 1706% above the Credit Services median (#75 of 414)
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.
52GF Score
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