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Humm Group
Humm Group (HUM) investor relations material
Humm Group H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary11 Feb, 2026
Executive summary
Statutory profit after tax for H1 2026 was AUD 13.9 million, up 13% sequentially but down 49% year-over-year due to higher credit losses, absence of prior period one-offs, and increased litigation provisions.
Assets under management reached AUD 5.4 billion, up 1.3% year-over-year, with Commercial AUM up 5.7% and Consumer AUM down 5.1%.
Fully franked interim dividend of AUD 0.015 per share declared, enabled by repayment of perpetual notes and payable in March 2026.
The company shifted to statutory accounting measures for profit reporting, enhancing transparency and comparability.
Financial highlights
Net interest income rose to AUD 134.4 million, with group NIM stable at 5.5%.
Cost-to-income ratio was 57.4% (52–52.5% excluding irregular items).
Net credit loss to ANR was 2.0% (up 15bps year-over-year), with Commercial at 1.3% and Consumer at 2.8%.
ROE improved to 5.4% from 4.8% in H2 2025; annualised EPS was 5.6 cents.
Net tangible assets per share rose 7.8% on H2 2025 to 83c, but fell 1.2% year-over-year.
Outlook and guidance
Commercial credit losses have peaked and are expected to normalize or moderate in H2 2026.
Technology transformation costs expected to subside from H2 2027; card platform migration to complete in 12 months.
Focus remains on profitable growth, leveraging strong credit performance and continued investment in product and technology.
New regulated hybrid Point-of-Sale product in Australia and expanded Forward Flow arrangement expected to enhance profitability.
IT transformation: remaining costs and timeline
Commercial portfolio credit loss normalization
Capital management strategy review and dividend
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Next Humm Group earnings date
Q3 202611 May, 2026
Humm Group
Next Humm Group earnings date
Q3 202611 May, 2026
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Frequently asked questions
Humm Group Limited is a financial services company that offers consumer finance and payment solutions, including buy-now-pay-later (BNPL) services, leasing, and interest-free credit products. The company provides financing options tailored for retail, healthcare, and other sectors, allowing customers flexible payment plans for purchases. Humm Group’s products are aimed at both consumers and businesses, supporting transactions across various industries with solutions that enhance accessibility and financial flexibility. The company is headquartered in Sydney, Australia, and its shares are listed on the ASX.
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