Humm Group (FRA:F5L) Growth Rank: 2 (As of Sep. 06, 2026) — 60% Below Median

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FRA:F5L Humm Group Ltd FRA:F5L
33 GF Score
Price €0.25
GF Value €0.34
! 8 Warning Signs
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What is Humm Group Growth Rank?

Humm Group FRA:F5L +2.42% 33 Growth Rank is 2 as of Sep. 06, 2026, which is 60% below its 10-year median of 5.00. GuruFocus rates FRA:F5L with a GF Score™ of 33/100 and a GF Value™ of €0.34. The stock has 8 warning signs investors should review.

Humm Group has the Growth Rank of 2.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

FRA:F5L vs V, MA, AXP: Growth Rank Comparison

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

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

* The bar in red indicates where Humm Group's Growth Rank falls into.


FRA:F5L
33GF Score
Humm Group Ltd FRA:F5L
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 2 mean?
Humm Group (FRA:F5L) has a Growth Rank of 2 as of Sep. 06, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Humm Group and its competitors. This is 60% below median its historical median of 5.00. Over the past decade, Humm Group's Growth Rank has ranged from 1.00 to 10.00.
Is Humm Group's Growth Rank too high?
Humm Group's current Growth Rank of 2 is 60% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Humm Group has a GF Score™ of 33/100, reflecting its overall financial health beyond just this single metric.
How does Humm Group's Growth Rank compare to V and MA?
Humm Group's Growth Rank of 2 can be compared against companies in the Credit Services industry. Historically, Humm Group's own Growth Rank has ranged from 1.00 to 10.00 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 Growth Rank for a Credit Services company?
A good Growth Rank depends on the Credit Services industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Humm Group and its competitors. Humm Group's current Growth Rank is 2, which is 60% below median its own 10-year median of 5.00. 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?
Humm Group (FRA:F5L) has a current Growth Rank of 2. The stock's GF Value™ is €0.34, compared to a current price of €0.25 — trading 25.3% below its estimated fair value. The current Growth Rank is 2, which is 60% below median its 10-year median of 5.00. Humm Group's overall GF Score™ is 33/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current Growth Rank is 2 as of Sep. 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 (FRA:F5L) Overvalued in 2026?

Based on GuruFocus' analysis, Humm Group stock appears to be undervalued. The current stock price of €0.25 is trading 25.3% below its estimated GF Value™ of €0.34.

Key valuation signals for FRA:F5L:

  • Growth Rank: 2 (60% below median its 10-year median of 5.00)
  • GF Value™: €0.34 vs. price of €0.25 (25.3% below fair value)
  • GF Score™: 33/100 with 8 warning signs

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 Business Description

Other Exchanges HUMGF:USAHUM: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.
33GF Score

Get the complete analysis for FRA:F5L

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

€0.25
Price
€0.34
GF Value