Humm GroupFRA:F5L -0.72%48 FCF Margin % is 30.92% as of Dec. 2025, which is 18% above its 10-year median of 26.16. GuruFocus rates FRA:F5L with a GF Score™ of 48/100 and a GF Value™ of €0.36. The stock has 5 warning signs investors should review. Among 530 Credit Services companies, Humm Group ranks worse than 50.57% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Humm Group's Free Cash Flow for the
six
months ended in Dec. 2025 was €8.0 Mil. Humm Group's Revenue for the
six
months ended in Dec. 2025 was €25.9 Mil. Therefore, Humm Group's FCF Margin % for the quarter that ended in Dec. 2025 was 30.92%.
The historical rank and industry rank for Humm Group's FCF Margin % or its related term are showing as below:
FRA:F5L'
s FCF Margin % Range Over the Past 10 Years
Min: -177.13 Med: 26.16 Max: 35.15
Current: -0.5
During the past 13 years, the highest FCF Margin % of Humm Group was 35.15%. The lowest was -177.13%. And the median was 26.16%.
FRA:F5L's FCF Margin % is ranked worse than 50.57% of 530
companies
in the Credit Services industry
Industry Median: -0.06
vs FRA:F5L: -0.50
Humm Group FCF Margin % Related Terms
Humm Group FCF Margin % Historical Data
* Premium members only.
The historical data trend for Humm Group's FCF 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 FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Humm Group's FCF 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 (FRA:F5L) has a FCF Margin % of 30.92% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Humm Group and its competitors. This is 18% above median its historical median of 26.16. According to the industry distribution chart, Humm Group ranks #268 out of 530 companies in the Credit Services industry, placing it in the top 50.6%.
Is Humm Group's FCF Margin % too high?
Humm Group's current FCF Margin % of 30.92% is 18% above median its 10-year median of 26.16. Based on the distribution chart, Humm Group ranks #268 out of 530 companies in the Credit Services industry, which is below the industry midpoint. 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 FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #268 out of 530 companies for FCF Margin %. This places Humm Group in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
A good FCF Margin % depends on the Credit Services industry context. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Humm Group and its competitors. Humm Group's current FCF Margin % is 30.92%, which is 18% above median its own 10-year median of 26.16. 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 FCF Margin % of 30.92%. 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 FCF Margin % is 30.92%, which is 18% above median its 10-year median of 26.16. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current FCF Margin % is 30.92% 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 (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:
FCF Margin %: 30.92% (18% above median its 10-year median of 26.16)
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
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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