Humm GroupFRA:F5L -2.13%47 Return-on-Tangible-Equity is 7.05% as of Dec. 2025, which is 22% below its 10-year median of 9.06. 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 524 Credit Services companies, Humm Group ranks worse than 51.91% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Humm Group's annualized net income for the quarter that ended in Dec. 2025 was €15.8 Mil. Humm Group's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €223.8 Mil. Therefore, Humm Group's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 7.05%.
The historical rank and industry rank for Humm Group's Return-on-Tangible-Equity or its related term are showing as below:
FRA:F5L'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -37.57 Med: 9.06 Max: 35.43
Current: 6.54
During the past 13 years, Humm Group's highest Return-on-Tangible-Equity was 35.43%. The lowest was -37.57%. And the median was 9.06%.
FRA:F5L's Return-on-Tangible-Equity is ranked worse than 51.91% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs FRA:F5L: 6.54
Humm Group (FRA:F5L) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Humm Group Return-on-Tangible-Equity Related Terms
Humm Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Humm Group's Return-on-Tangible-Equity 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-Equity Comparison
For the Credit Services subindustry, Humm Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Humm Group's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.05% mean?
Humm Group (FRA:F5L) has a Return-on-Tangible-Equity of 7.05% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Humm Group and its competitors. This is 22% below median its historical median of 9.06. According to the industry distribution chart, Humm Group ranks #272 out of 524 companies in the Credit Services industry, placing it in the top 51.9%.
Is Humm Group's Return-on-Tangible-Equity too high?
Humm Group's current Return-on-Tangible-Equity of 7.05% is 22% below median its 10-year median of 9.06. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Humm Group's value of 7.05% is 0.1% below this industry median. Based on the distribution chart, Humm Group ranks #272 out of 524 companies in the Credit Services industry, which is below the industry midpoint. 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #272 out of 524 companies for Return-on-Tangible-Equity. This places Humm Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.06. Humm Group's value of 7.05% is 0.1% below this benchmark. While the company's 10-year median is 9.06 vs. the industry median of 7.06, 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current Return-on-Tangible-Equity of 7.05% is 0.1% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Humm Group and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current Return-on-Tangible-Equity is 7.05%, which is 22% below median its own 10-year median of 9.06. 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-Equity of 7.05%. The stock's GF Value™ is €0.36, compared to a current price of €0.28 — trading 23.3% below its estimated fair value. The current Return-on-Tangible-Equity is 7.05%, which is 22% below median its 10-year median of 9.06 and 0.1% below the Credit Services industry median of 7.06. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current Return-on-Tangible-Equity is 7.05% 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 €0.28 is trading 23.3% below its estimated GF Value™ of €0.36.
Key valuation signals for FRA:F5L:
Return-on-Tangible-Equity: 7.05% (22% below median its 10-year median of 9.06)
GF Value™: €0.36 vs. price of €0.28 (23.3% below fair value)
Industry Position: 0.1% below the Credit Services median (#272 of 524)
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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