EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Humm Group's Enterprise Value is €2,774.5 Mil.
Humm Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-1.8 Mil. Therefore, Humm Group's EV-to-FCF for today is -1,523.62.
The historical rank and industry rank for Humm Group's EV-to-FCF or its related term are showing as below:
FRA:F5L'
s EV-to-FCF Range Over the Past 10 Years
Min: -1389.03 Med: 16.99 Max: 30
Current: -1389.03
During the past 13 years, the highest EV-to-FCF of Humm Group was 30.00. The lowest was -1389.03. And the median was 16.99.
FRA:F5L's EV-to-FCF is ranked worse than 100% of 263
companies
in the Credit Services industry
Industry Median: 13.72
vs FRA:F5L: -1389.03
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 €0.276.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Humm Group EV-to-FCF Related Terms
Humm Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Humm Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Humm Group's EV-to-FCF falls into.
Humm Group's current Enterprise Value is €2,774.5 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Humm Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-1.8 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-FCF of -1,523.62 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Humm Group and its competitors. According to the industry distribution chart, Humm Group ranks #999999 out of 263 companies in the Credit Services industry.
Is Humm Group's EV-to-FCF too high?
Humm Group's current EV-to-FCF is -1,523.62. Based on the distribution chart, Humm Group ranks #999999 out of 263 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Humm Group has a GF Score™ of 48/100, reflecting its overall financial health beyond just this single metric.
How does Humm Group's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #999999 out of 263 companies for EV-to-FCF. This places Humm Group in the lower half of its industry. The industry median EV-to-FCF is 13.72. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.72, based on 263 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Humm Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current EV-to-FCF is -1,523.62. 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-FCF of -1,523.62. The stock's GF Value™ is €0.36, compared to a current price of €0.28 — trading 23.3% below its estimated fair value. The current EV-to-FCF is -1,523.62. Humm Group's overall GF Score™ is 48/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current EV-to-FCF is -1,523.62 as of Jul. 04, 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 €0.28 is trading 23.3% below its estimated GF Value™ of €0.36.
Key valuation signals for FRA:F5L:
EV-to-FCF: -1,523.62
GF Value™: €0.36 vs. price of €0.28 (23.3% below fair value)
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.
48GF Score
Get the complete analysis for FRA:F5L
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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