Humm Group has the GF Score of 47, which implies that the company
might have
Worst future performance potential, or not enough data.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Humm Group
might have
Worst future performance potential, or not enough data.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Humm Group (ASX:HUM) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Humm Group GF Score Related Terms
ASX:HUM vs V, MA, AXP: GF Score Comparison
For the Credit Services subindustry, Humm Group's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's GF Score distribution charts can be found below:
* The bar in red indicates where Humm Group's GF Score falls into.
Humm Group (ASX:HUM) has a GF Score of 47 as of Jul. 07, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Humm Group and its competitors. This is 40% below median its historical median of 78.00. Over the past decade, Humm Group's GF Score has ranged from 43.00 to 91.00.
Is Humm Group's GF Score too high?
Humm Group's current GF Score of 47 is 40% below median its 10-year median of 78.00. Over the past 10 years, this metric has ranged from a low of 43.00 to a high of 91.00. Overall, Humm Group has a GF Score™ of 47/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Humm Group's GF Score compare to V and MA?
Humm Group's GF Score of 47 can be compared against companies in the Credit Services industry. Historically, Humm Group's own GF Score has ranged from 43.00 to 91.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Humm Group and its competitors. Humm Group's current GF Score is 47, which is 40% below median its own 10-year median of 78.00. 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$0.62, compared to a current price of A$0.48 — trading 22.6% below its estimated fair value. The current GF Score is 47, which is 40% below median its 10-year median of 78.00. Humm Group's overall GF Score™ is 47/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Humm Group (ASX:HUM), the current GF Score is 47 as of Jul. 07, 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 (ASX:HUM) Overvalued in 2026?
Based on GuruFocus' analysis, Humm Group stock appears to be undervalued.
The current stock price of A$0.48 is trading 22.6% below its estimated GF Value™ of A$0.62.
GuruFocus considers Humm Group to be Modestly Undervalued.
Key valuation signals for ASX:HUM:
GF Score: 47 (40% below median its 10-year median of 78.00)
GF Value™: A$0.62 vs. price of A$0.48 (22.6% below fair value)
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.
47GF Score
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