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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Humm Group's current 3-Year Share Buyback Ratio was 0.00%.
The historical rank and industry rank for Humm Group's 3-Year Share Buyback Ratio or its related term are showing as below:
During the past 13 years, Humm Group's highest 3-Year Share Buyback Ratio was 1.10%. The lowest was -8.70%. And the median was -5.10%.
FRA:F5L's 3-Year Share Buyback Ratio is not ranked *
in the Credit Services industry.
Industry Median: -3.4 * Ranked among companies with meaningful 3-Year Share Buyback Ratio only.
Humm Group (FRA:F5L) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Humm Group 3-Year Share Buyback Ratio Related Terms
FRA:F5L vs V, MA, AXP: 3-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, Humm Group's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Humm Group's 3-Year Share Buyback Ratio falls into.
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.00 mean?
Humm Group (FRA:F5L) has a 3-Year Share Buyback Ratio of 0.00 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Humm Group and its competitors. According to the industry distribution chart, Humm Group ranks #999999 out of 283 companies in the Credit Services industry.
Is Humm Group's 3-Year Share Buyback Ratio too high?
Humm Group's current 3-Year Share Buyback Ratio is 0.00. Based on the distribution chart, Humm Group ranks #999999 out of 283 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Humm Group has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Humm Group's 3-Year Share Buyback Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #999999 out of 283 companies for 3-Year Share Buyback Ratio. This places Humm Group in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Humm Group and its competitors. Humm Group's current 3-Year Share Buyback Ratio is 0.00. 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 3-Year Share Buyback Ratio of 0.00. The stock's GF Value™ is €0.35, compared to a current price of €0.24 — trading 30.9% below its estimated fair value. The current 3-Year Share Buyback Ratio is 0.00. Humm Group's overall GF Score™ is 34/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Humm Group (FRA:F5L), the current 3-Year Share Buyback Ratio is 0.00 as of Jun. 2026. 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 €0.24 is trading 30.9% below its estimated GF Value™ of €0.35.
Key valuation signals for FRA:F5L:
3-Year Share Buyback Ratio: 0.00
GF Value™: €0.35 vs. price of €0.24 (30.9% below fair value)
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.
34GF Score
Get the complete analysis for FRA:F5L
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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