HUMGF (Humm Group) Moat Score: 3/10 (As of Jul. 06, 2026)


HUMGF Humm Group Ltd HUMGF
36 GF Score
Price $0.32
GF Value $0.46
Valuation Possible Value Trap
! 5 Warning Signs
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What is Humm Group Moat Score?

Humm Group HUMGF 36 Moat Score is 3 as of Jul. 06, 2026. GuruFocus rates HUMGF with a GF Score™ of 36/100 and a GF Value™ of $0.46 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 564 Credit Services companies, Humm Group ranks better than 91.31% on this metric.

Humm Group has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Humm Group has No Moat: Humm Group operates in the financial services sector with low switching costs and intense competition. The company lacks significant brand strength, intellectual property, or cost advantages, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Humm Group might have No Moat - Very weak/transient advantages.

Humm Group  (OTCPK:HUMGF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Humm Group Moat Score Related Terms

HUMGF vs V, MA, AXP: Moat Score Comparison

For the Credit Services subindustry, Humm Group's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Humm Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Humm Group's Moat Score falls into.


HUMGF
36GF Score
Humm Group Ltd HUMGF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Humm Group (HUMGF) has a Moat Score of 3 as of Jul. 06, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Humm Group ranks #49 out of 564 companies in the Credit Services industry, placing it in the top 8.7%.
Is Humm Group's Moat Score too high?
Humm Group's current Moat Score is 3. Based on the distribution chart, Humm Group ranks #49 out of 564 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 36/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Humm Group's Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #49 out of 564 companies for Moat Score. This places Humm Group in the top 9% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Humm Group's current Moat Score is 3. 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 (HUMGF) is currently considered Possible Value Trap. The stock's GF Value™ is $0.46, compared to a current price of $0.32 — trading 30.5% below its estimated fair value. The current Moat Score is 3. Humm Group's overall GF Score™ is 36/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Humm Group (HUMGF), the current Moat Score is 3 as of Jul. 06, 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 (HUMGF) Overvalued in 2026?

Based on GuruFocus' analysis, Humm Group stock appears to be undervalued. The current stock price of $0.32 is trading 30.5% below its estimated GF Value™ of $0.46. GuruFocus considers Humm Group to be Possible Value Trap.

Key valuation signals for HUMGF:

  • Moat Score: 3
  • GF Value™: $0.46 vs. price of $0.32 (30.5% below fair value)
  • GF Score™: 36/100 with 5 warning signs

No single metric tells the full story. See the HUMGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Humm Group Business Description

Other Exchanges HUM:Australia
Address 121 Harrington Street, Level 1, Sydney, NSW, AUS, 2000
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.
36GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.32
Price
$0.46
GF Value