Humm GroupFRA:F5L 47 PS Ratio is 0.38 as of Jul. 09, 2026, which is 57% below its 10-year median of 0.89. GuruFocus rates FRA:F5L with a GF Score™ of 47/100 and a GF Value™ of €0.36. The stock has 5 warning signs investors should review. Among 521 Credit Services companies, Humm Group ranks better than 97.12% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Humm Group's share price is €0.282.
Humm Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.74. Hence, Humm Group's PS Ratio for today is 0.38.
Good Sign:
Humm Group Ltd stock PS Ratio (=0.35) is close to 10-year low of 0.35.
The historical rank and industry rank for Humm Group's PS Ratio or its related term are showing as below:
FRA:F5L'
s PS Ratio Range Over the Past 10 Years
Min: 0.35 Med: 0.89 Max: 2.04
Current: 0.36
During the past 13 years, Humm Group's highest PS Ratio was 2.04. The lowest was 0.35. And the median was 0.89.
FRA:F5L's PS Ratio is ranked better than 97.12% of 521
companies
in the Credit Services industry
Industry Median: 2.93
vs FRA:F5L: 0.36
During the past 12 months, the average Revenue per Share Growth Rate of Humm Group was 6.00% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 14.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 5.20% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -0.60% per year.
During the past 13 years, Humm Group's highest 3-Year average Revenue per Share Growth Rate was 14.70% per year. The lowest was -10.30% per year. And the median was 3.45% per year.
Back to Basics: PS Ratio
Humm Group (FRA:F5L) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Humm Group PS Ratio Related Terms
Humm Group PS Ratio Historical Data
* Premium members only.
The historical data trend for Humm Group's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's PS Ratio distribution charts can be found below:
* The bar in red indicates where Humm Group's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Humm Group's Share Price of today is €0.282.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Humm Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.74.
* 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.
It can also be calculated from the numbers for the whole company:
Humm Group (FRA:F5L) has a PS Ratio of 0.38 as of Jul. 09, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Humm Group and its competitors. This is 57% below median its historical median of 0.89. Over the past decade, Humm Group's PS Ratio has ranged from 0.35 to 2.04. According to the industry distribution chart, Humm Group ranks #15 out of 521 companies in the Credit Services industry, placing it in the top 2.9%.
Is Humm Group's PS Ratio too high?
Humm Group's current PS Ratio of 0.38 is 57% below median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 2.04. The Credit Services industry median PS Ratio is 2.93. Humm Group's value of 0.38 is 87% below this industry median. Based on the distribution chart, Humm Group ranks #15 out of 521 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 47/100, reflecting its overall financial health beyond just this single metric.
How does Humm Group's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #15 out of 521 companies for PS Ratio. This places Humm Group in the top 3% of its industry — outperforming the majority of peers. The industry median PS Ratio is 2.93. Humm Group's value of 0.38 is 87% below this benchmark. Historically, Humm Group's own PS Ratio has ranged from 0.35 to 2.04 over the past decade. While the company's 10-year median is 0.89 vs. the industry median of 2.93, Humm Group has consistently been below 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.93, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current PS Ratio of 0.38 is 87% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Humm Group and its competitors. For the Credit Services industry, the median PS Ratio is 2.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current PS Ratio is 0.38, which is 57% below median its own 10-year median of 0.89. 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 PS Ratio of 0.38. The stock's GF Value™ is €0.36, compared to a current price of €0.28 — trading 21.7% below its estimated fair value. The current PS Ratio is 0.38, which is 57% below median its 10-year median of 0.89 and 87% below the Credit Services industry median of 2.93. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current PS Ratio is 0.38 as of Jul. 09, 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 21.7% below its estimated GF Value™ of €0.36.
Key valuation signals for FRA:F5L:
PS Ratio: 0.38 (57% below median its 10-year median of 0.89)
GF Value™: €0.36 vs. price of €0.28 (21.7% below fair value)
Industry Position: 87% below the Credit Services median (#15 of 521)
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.
47GF Score
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