Humm GroupASX:HUM +2.17%51 Gross Margin % is 70.61% as of Dec. 2025, which is 26% below its 10-year median of 95.09. GuruFocus rates ASX:HUM with a GF Score™ of 51/100 and a GF Value™ of A$0.65 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 387 Credit Services companies, Humm Group ranks better than 97.16% on this metric.
Gross Margin % is calculated as gross profit divided by its revenue. Humm Group's Gross Profit for the
six
months ended in Dec. 2025 was A$32.2 Mil. Humm Group's Revenue for the
six
months ended in Dec. 2025 was A$45.6 Mil. Therefore, Humm Group's Gross Margin % for the quarter that ended in Dec. 2025 was 70.61%.
The historical rank and industry rank for Humm Group's Gross Margin % or its related term are showing as below:
ASX:HUM'
s Gross Margin % Range Over the Past 10 Years
Min: 93.41 Med: 95.09 Max: 99.36
Current: 95.62
During the past 13 years, the highestGross Margin % of Humm Group was 99.36%. The lowest was 93.41%. And the median was 95.09%.
ASX:HUM's Gross Margin % is ranked better than 97.16% of 387
companies
in the Credit Services industry
Industry Median: 51.88
vs ASX:HUM: 95.62
Humm Group had a gross margin of 70.61% for the quarter that ended in Dec. 2025 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Humm Group was 0.10% per year.
Humm Group (ASX:HUM) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Humm Group had a gross margin of 70.61% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Humm Group Gross Margin % Related Terms
Humm Group Gross Margin % Historical Data
* Premium members only.
The historical data trend for Humm Group's Gross 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 Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Humm Group's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Humm Group (ASX:HUM) has a Gross Margin % of 70.61% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Humm Group and its competitors. This is 26% below median its historical median of 95.09. Over the past decade, Humm Group's Gross Margin % has ranged from 93.41 to 99.36. According to the industry distribution chart, Humm Group ranks #11 out of 387 companies in the Credit Services industry, placing it in the top 2.8%.
Is Humm Group's Gross Margin % too high?
Humm Group's current Gross Margin % of 70.61% is 26% below median its 10-year median of 95.09. Over the past 10 years, this metric has ranged from a low of 93.41 to a high of 99.36. The Credit Services industry median Gross Margin % is 51.88. Humm Group's value of 70.61% is 36.1% above this industry median. Based on the distribution chart, Humm Group ranks #11 out of 387 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 51/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Humm Group's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #11 out of 387 companies for Gross Margin %. This places Humm Group in the top 3% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.88. Humm Group's value of 70.61% is 36.1% above this benchmark. Historically, Humm Group's own Gross Margin % has ranged from 93.41 to 99.36 over the past decade. While the company's 10-year median is 95.09 vs. the industry median of 51.88, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current Gross Margin % of 70.61% is 36.1% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Humm Group and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current Gross Margin % is 70.61%, which is 26% below median its own 10-year median of 95.09. 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$0.47 — trading 27.7% below its estimated fair value. The current Gross Margin % is 70.61%, which is 26% below median its 10-year median of 95.09 and 36.1% above the Credit Services industry median of 51.88. Humm Group's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Humm Group (ASX:HUM), the current Gross Margin % is 70.61% 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$0.47 is trading 27.7% below its estimated GF Value™ of A$0.65.
GuruFocus considers Humm Group to be Modestly Undervalued.
Key valuation signals for ASX:HUM:
Gross Margin %: 70.61% (26% below median its 10-year median of 95.09)
GF Value™: A$0.65 vs. price of A$0.47 (27.7% below fair value)
Industry Position: 36.1% above the Credit Services median (#11 of 387)
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.
51GF Score
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