Some back of the envelope calculation:
- Traditional lengind business valuation: Cash NPAT $67m ($17m AU Cards + $28m NZ Cards + $22m Commercial Lending) x 8 PE (reasonable from historical perspective?) = $536m?
- BNPL valuation: (Z1P had 150% growth in Revenue in FY21, and is valued at 9.4x PS = $3.8b / $403m. APT had 90% growth for Groupt Total Income constant currency, and is valued at 35.9x PS= $35b / $980m.) HUM BNPL Gross Income was $121m with growth of ~30%, if given a 3x PS (reasonable since it's a smaller player with uncertain overseas growth and the growth number is not as high as peers?) then this part should be 3x121 = $363m?
So I'm roughly expecting something along the lines of $900m valuation. Thoughts?
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- Pre Investor Day - Notes from Q&A session
HUM
humm group limited
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61.5¢

Pre Investor Day - Notes from Q&A session, page-34
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Last
61.5¢ |
Change
-0.005(0.81%) |
Mkt cap ! $302.8M |
Open | High | Low | Value | Volume |
61.0¢ | 62.0¢ | 60.5¢ | $335.0K | 546.3K |
Buyers (Bids)
No. | Vol. | Price($) |
---|---|---|
1 | 72032 | 61.5¢ |
Sellers (Offers)
Price($) | Vol. | No. |
---|---|---|
62.0¢ | 104055 | 2 |
View Market Depth
No. | Vol. | Price($) |
---|---|---|
1 | 97704 | 0.605 |
7 | 372657 | 0.600 |
5 | 263606 | 0.595 |
5 | 99291 | 0.590 |
2 | 58546 | 0.580 |
Price($) | Vol. | No. |
---|---|---|
0.620 | 104055 | 2 |
0.625 | 3742 | 1 |
0.630 | 11666 | 2 |
0.635 | 18000 | 2 |
0.640 | 7500 | 2 |
Last trade - 16.10pm 21/07/2025 (20 minute delay) ? |
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HUM (ASX) Chart |