Humm Group (FRA:F5L) Risk Assessment

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
37 GF Score
Price €0.27
GF Value €0.37
! 5 Warning Signs
View Full Analysis

What is Humm Group Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Humm Group is: No Data: Cannot be evaluated.

Humm Group  (FRA:F5L) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Humm Group Risk Assessment Related Terms

FRA:F5L vs V, MA, AXP: Risk Assessment Comparison

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

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

* The bar in red indicates where Humm Group's Risk Assessment falls into.


FRA:F5L
37GF Score
Humm Group Ltd FRA:F5L
Risk Assessment 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 €0.27 is trading 27.6% below its estimated GF Value™ of €0.37.

Key valuation signals for FRA:F5L:

  • Risk Assessment:
  • GF Value™: €0.37 vs. price of €0.27 (27.6% below fair value)
  • GF Score™: 37/100 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.
37GF Score

Get the complete analysis for FRA:F5L

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

€0.27
Price
€0.37
GF Value