Humm GroupASX:HUM +1.10%52 ROE % is 5.34% as of Dec. 2025, which is 2% below its 10-year median of 5.44. 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. Among 529 Credit Services companies, Humm Group ranks worse than 55.95% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Humm Group's annualized net income for the quarter that ended in Dec. 2025 was A$27.8 Mil. Humm Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was A$520.4 Mil. Therefore, Humm Group's annualized ROE % for the quarter that ended in Dec. 2025 was 5.34%.
The historical rank and industry rank for Humm Group's ROE % or its related term are showing as below:
ASX:HUM'
s ROE % Range Over the Past 10 Years
Min: -24.56 Med: 5.44 Max: 13.11
Current: 4.95
During the past 13 years, Humm Group's highest ROE % was 13.11%. The lowest was -24.56%. And the median was 5.44%.
ASX:HUM's ROE % is ranked worse than 55.95% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs ASX:HUM: 4.95
Humm Group (ASX:HUM) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Humm Group ROE % Related Terms
Humm Group ROE % Historical Data
* Premium members only.
The historical data trend for Humm Group's ROE % 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.
For the Credit Services subindustry, Humm Group's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's ROE % distribution charts can be found below:
* The bar in red indicates where Humm Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Humm Group (ASX:HUM) has a ROE % of 5.34% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Humm Group and its competitors. This is near median its historical median of 5.44. According to the industry distribution chart, Humm Group ranks #296 out of 529 companies in the Credit Services industry, placing it in the top 56%.
Is Humm Group's ROE % too high?
Humm Group's current ROE % of 5.34% is near median its 10-year median of 5.44. The Credit Services industry median ROE % is 6.61. Humm Group's value of 5.34% is 19.2% below this industry median. Based on the distribution chart, Humm Group ranks #296 out of 529 companies in the Credit Services industry, which is below the industry midpoint. 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #296 out of 529 companies for ROE %. This places Humm Group in the lower half of its industry. The industry median ROE % is 6.61. Humm Group's value of 5.34% is 19.2% below this benchmark. While the company's 10-year median is 5.44 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current ROE % of 5.34% is 19.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Humm Group and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current ROE % is 5.34%, which is near median its own 10-year median of 5.44. 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 ROE % is 5.34%, which is near median its 10-year median of 5.44 and 19.2% below the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Humm Group (ASX:HUM), the current ROE % is 5.34% 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:
ROE %: 5.34% (near median its 10-year median of 5.44)
GF Value™: A$0.65 vs. price of A$0.46 (29.2% below fair value)
Industry Position: 19.2% below the Credit Services median (#296 of 529)
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 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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