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Humm GroupFRA:F5L -0.81%39 EV-to-EBITDA is 14.30 as of Aug. 12, 2026, which is 2% below its 10-year median of 14.66. GuruFocus rates FRA:F5L with a GF Score™ of 39/100 and a GF Value™ of €0.36. The stock has 5 warning signs investors should review. Among 329 Credit Services companies, Humm Group ranks better than 64.74% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Humm Group's enterprise value is €2,785.4 Mil.
Humm Group's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €194.8 Mil. Therefore, Humm Group's EV-to-EBITDA for today is 14.30.
The historical rank and industry rank for Humm Group's EV-to-EBITDA or its related term are showing as below:
FRA:F5L'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.09 Med: 14.66 Max: 32.03
Current: 13.26
During the past 13 years, the highest EV-to-EBITDA of Humm Group was 32.03. The lowest was -49.09. And the median was 14.66.
FRA:F5L's EV-to-EBITDA is ranked better than 64.74% of 329
companies
in the Credit Services industry
Industry Median: 21.53
vs FRA:F5L: 13.26
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Humm Group's share price for today is €0.246.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Humm Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.030.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Humm Group's EV-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 EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Humm Group's EV-to-EBITDA falls into.
Humm Group's current Enterprise Value is €2,785.4 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Humm Group's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €194.8 Mil.
* 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 (FRA:F5L) has a EV-to-EBITDA of 14.30 as of Aug. 12, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Humm Group. This is near median its historical median of 14.66. According to the industry distribution chart, Humm Group ranks #116 out of 329 companies in the Credit Services industry, placing it in the top 35.3%.
Is Humm Group's EV-to-EBITDA too high?
Humm Group's current EV-to-EBITDA of 14.30 is near median its 10-year median of 14.66. The Credit Services industry median EV-to-EBITDA is 21.53. Humm Group's value of 14.30 is 33.6% below this industry median. Based on the distribution chart, Humm Group ranks #116 out of 329 companies in the Credit Services industry, which is above the industry midpoint. Overall, Humm Group has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Humm Group's EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #116 out of 329 companies for EV-to-EBITDA. This puts Humm Group in the upper half of its industry. The industry median EV-to-EBITDA is 21.53. Humm Group's value of 14.30 is 33.6% below this benchmark. While the company's 10-year median is 14.66 vs. the industry median of 21.53, Humm Group has consistently been below 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.53, based on 329 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current EV-to-EBITDA of 14.30 is 33.6% below 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Humm Group. For the Credit Services industry, the median EV-to-EBITDA is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current EV-to-EBITDA is 14.30, which is near median its own 10-year median of 14.66. 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 EV-to-EBITDA of 14.30. The stock's GF Value™ is €0.36, compared to a current price of €0.25 — trading 31.7% below its estimated fair value. The current EV-to-EBITDA is 14.30, which is near median its 10-year median of 14.66 and 33.6% below the Credit Services industry median of 21.53. Humm Group's overall GF Score™ is 39/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current EV-to-EBITDA is 14.30 as of Aug. 12, 2026. 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 €0.25 is trading 31.7% below its estimated GF Value™ of €0.36.
Key valuation signals for FRA:F5L:
EV-to-EBITDA: 14.30 (near median its 10-year median of 14.66)
GF Value™: €0.36 vs. price of €0.25 (31.7% below fair value)
Industry Position: 33.6% below the Credit Services median (#116 of 329)
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.
39GF Score
Get the complete analysis for FRA:F5L
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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