Humm Group (ASX:HUM) ROCE %: 60.10% (As of Dec. 2025)

What is Humm Group ROCE %?

Humm Group ASX:HUM +1.10% 52 ROCE % is 60.10% as of Dec. 2025. GuruFocus rates ASX:HUM with a GF Score™ of 52/100 and a GF Value™ of A$0.65 (Modestly Undervalued). The stock has 5 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Humm Group's annualized ROCE % for the quarter that ended in Dec. 2025 was 60.10%.

Humm Group (ASX:HUM) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Humm Group ROCE % Related Terms

Humm Group ROCE % Historical Data

* Premium members only.

The historical data trend for Humm Group's ROCE % 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.

Humm Group ROCE % Chart

Humm Group Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

ROCE %

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7.56

-6.40

26.84

47.53

62.15

Humm Group Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
ROCE %	Get a 7-Day Free Trial															40.96	56.92	67.28	59.13	60.10

52GF Score

Humm Group Ltd ASX:HUM

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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Humm Group ROCE % Calculation

Humm Group's annualized ROCE % for the fiscal year that ended in Jun. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Jun. 2025 )		(A: Jun. 2024 )		(A: Jun. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Jun. 2025 )		(A: Jun. 2024 )		(A: Jun. 2025 )
	=	351.6	/	( ( (5416.2 - 4834.7)	+	(5338.3 - 4788.3) )	/ 2 )
	=	351.6	/	( (581.5	+	550)	/ 2 )
	=	351.6	/	565.75
	=	62.15 %

Humm Group's ROCE % of for the quarter that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Dec. 2025 )		(Q: Jun. 2025 )		(Q: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Dec. 2025 )		(Q: Jun. 2025 )		(Q: Dec. 2025 )
	=	326.8	/	( ( (5338.3 - 4788.3)	+	(5361.3 - 4823.8) )	/ 2 )
	=	326.8	/	( ( 550	+	537.5 )	/ 2 )
	=	326.8	/	543.75
	=	60.10 %

(1) Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 60.10% mean?

Humm Group (ASX:HUM) has a ROCE % of 60.10% as of Dec. 2025.

Is Humm Group's ROCE % too high?

Humm Group's current ROCE % is 60.10%. The Credit Services industry median ROCE % is 3.39. Humm Group's value of 60.10% is 1672.9% above this industry median. Overall, Humm Group has a GF Score™ of 52/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.

How does Humm Group's ROCE % compare to V and MA?

Humm Group's ROCE % of 60.10% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Humm Group's value of 60.10% is 1672.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current ROCE % of 60.10% is 1672.9% above 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current ROCE % is 60.10%. 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?

Based on GuruFocus' analysis, Humm Group (ASX:HUM) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.65, compared to a current price of A$0.46 — trading 29.2% below its estimated fair value. The current ROCE % is 60.10% and 1672.9% above the Credit Services industry median of 3.39. Humm Group's overall GF Score™ is 52/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Humm Group (ASX:HUM), the current ROCE % is 60.10% 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 (ASX:HUM) Overvalued in 2026?

Based on GuruFocus' analysis, Humm Group stock appears to be undervalued. The current stock price of A$0.46 is trading 29.2% below its estimated GF Value™ of A$0.65. GuruFocus considers Humm Group to be Modestly Undervalued.

Key valuation signals for ASX:HUM:

ROCE %: 60.10%
GF Value™: A$0.65 vs. price of A$0.46 (29.2% below fair value)
GF Score™: 52/100 with 5 warning signs
Industry Position: 1672.9% above the Credit Services median

No single metric tells the full story. See the ASX:HUM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Humm Group Business Description

Industry Financial Services Credit Services

Comparable Companies ASX:SVR ASX:FSA ASX:PLT ASX:PNC ASX:HMY ASX:MME ASX:WZR ASX:EPY ASX:BTN ASX:PPM V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges HUMGF:USA

Address 121 Harrington Street, Level 1, Sydney, NSW, AUS, 2000

Website https://www.shophumm.com

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.

52GF Score

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A$0.46

Price

A$0.65

GF Value

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