Humm Group (FRA:F5L) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:F5L Humm Group Ltd FRA:F5L
42 GF Score
Price €0.28
GF Value €0.37
! 5 Warning Signs
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What is Humm Group Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Humm Group Quality Rank Related Terms

FRA:F5L
42GF Score
Humm Group Ltd FRA:F5L
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 25.4% below its estimated GF Value™ of €0.37.

Key valuation signals for FRA:F5L:

  • Quality Rank:
  • GF Value™: €0.37 vs. price of €0.28 (25.4% below fair value)
  • GF Score™: 42/100 with 5 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.
42GF Score

Get the complete analysis for FRA:F5L

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

€0.28
Price
€0.37
GF Value