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Humm GroupFRA:F5L -0.74%37 Return-on-Tangible-Asset is 0.53% as of Dec. 2025, which is 31% below its 10-year median of 0.77. GuruFocus rates FRA:F5L with a GF Score™ of 37/100 and a GF Value™ of €0.37. The stock has 5 warning signs investors should review. Among 546 Credit Services companies, Humm Group ranks worse than 70.15% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Humm Group's annualizedNet Income for the quarter that ended in Dec. 2025 was €15.8 Mil. Humm Group's average total tangible assets for the quarter that ended in Dec. 2025 was €2,957.0 Mil. Therefore, Humm Group's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.53%.
The historical rank and industry rank for Humm Group's Return-on-Tangible-Asset or its related term are showing as below:
FRA:F5L'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -5.17 Med: 0.77 Max: 3.78
Current: 0.5
During the past 13 years, Humm Group's highest Return-on-Tangible-Asset was 3.78%. The lowest was -5.17%. And the median was 0.77%.
FRA:F5L's Return-on-Tangible-Asset is ranked worse than 70.15% of 546
companies
in the Credit Services industry
Industry Median: 1.94
vs FRA:F5L: 0.50
Humm Group (FRA:F5L) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Humm Group Return-on-Tangible-Asset Related Terms
Humm Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Humm Group's Return-on-Tangible-Asset 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.
FRA:F5L vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Humm Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Humm Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.53% mean?
Humm Group (FRA:F5L) has a Return-on-Tangible-Asset of 0.53% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Humm Group and its competitors. This is 31% below median its historical median of 0.77. According to the industry distribution chart, Humm Group ranks #383 out of 546 companies in the Credit Services industry, placing it in the top 70.1%.
Is Humm Group's Return-on-Tangible-Asset too high?
Humm Group's current Return-on-Tangible-Asset of 0.53% is 31% below median its 10-year median of 0.77. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Humm Group's value of 0.53% is 72.7% below this industry median. Based on the distribution chart, Humm Group ranks #383 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, Humm Group has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does Humm Group's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #383 out of 546 companies for Return-on-Tangible-Asset. This places Humm Group in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.94. Humm Group's value of 0.53% is 72.7% below this benchmark. While the company's 10-year median is 0.77 vs. the industry median of 1.94, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.94, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current Return-on-Tangible-Asset of 0.53% is 72.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Humm Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current Return-on-Tangible-Asset is 0.53%, which is 31% below median its own 10-year median of 0.77. 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 Return-on-Tangible-Asset of 0.53%. The stock's GF Value™ is €0.37, compared to a current price of €0.27 — trading 27.6% below its estimated fair value. The current Return-on-Tangible-Asset is 0.53%, which is 31% below median its 10-year median of 0.77 and 72.7% below the Credit Services industry median of 1.94. Humm Group's overall GF Score™ is 37/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current Return-on-Tangible-Asset is 0.53% 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 (FRA:F5L) Overvalued in 2026?
Based on GuruFocus' analysis, Humm Group stock appears to be undervalued.
The current stock price of €0.27 is trading 27.6% below its estimated GF Value™ of €0.37.
Key valuation signals for FRA:F5L:
Return-on-Tangible-Asset: 0.53% (31% below median its 10-year median of 0.77)
GF Value™: €0.37 vs. price of €0.27 (27.6% below fair value)
Industry Position: 72.7% below the Credit Services median (#383 of 546)
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.
37GF Score
Get the complete analysis for FRA:F5L
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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