Humm Group (HUM) investor relations material

Executive summary

• Delivered robust underlying performance in 3Q26 amid macroeconomic and geopolitical uncertainty and evolving interest rates.

• Maintained disciplined origination and credit quality, with stable average AUM and healthy portfolio metrics.

Financial highlights

• Average AUM of $5.4b, up 5.1% year-over-year; closing AUM at $5.3b, down 1.6% year-over-year.

• New loan origination volume of ~$820m, down 8.6% year-over-year.

• Net interest margin (NIM) of 5.3%, down 20bps year-over-year; commercial NIM 3.2% (down 50bps), consumer NIM 8.3% (up 40bps).

• Net losses to average net receivables at 2.0%, up 20bps year-over-year.

• YTD cost-to-income ratio (CTI) at 50.3% excluding specific items, improved 10bps year-over-year; CTI including specific items at 59.8%.

Outlook and guidance

• Focus remains on profitable, sustainable growth through disciplined origination, strategic pricing, and cost efficiency.

• Elevated irregular corporate costs expected to continue as activities progress.

• Growth anticipated to be subdued, with priority on prudent underwriting and sustainable returns.

• Commercial segment to focus on high-quality origination and proactive asset management.

• FY26 priorities center on balance sheet strength, credit quality, and earnings resilience.