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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Humm Group
Humm Group (HUM) investor relations material
Humm Group Q1 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2027 earnings summary1 Nov, 2026
Executive summary
1Q27 volumes rose 13.7% YoY to $957.7m across Commercial and Consumer; NIM held at 5.3% and underlying CTI improved 350 bps to 53.5%.
Credit performance remained sound, while transformation, productivity and simplification initiatives advanced.
Financial highlights
Closing AUM was $5.28bn, down 1.5% YoY; excluding an $87.2m adverse FX impact, AUM increased 0.1%.
Commercial volume increased 12.6% to $381.1m; Consumer volume increased 14.4% to $576.6m.
Underlying CTI, excluding irregular items, improved to 53.5% from 57.0%; underlying costs remained largely stable despite inflationary pressures.
Outlook and guidance
FY27 priorities include disciplined execution, simplification and increased automation to improve customer, merchant and employee experiences and operational efficiency.
Productivity Review nearing completion; anticipated opportunities and cost savings will be prioritised across the remainder of FY27. Return Optimisation Review will guide capital allocation.
Canada exit is expected to improve annualised profit once complete, excluding one-off exit costs; timing and exit route remain under consideration.
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Latest events from Humm Group
- Underlying net profit after tax (adjusted) was $44.2 million, reflecting resilient performance.HUM
H2 2026 - Stable AUM and resilient credit quality offset volume declines; international growth remains strong.HUMQ3 2026 TU
- Profit up 13% sequentially to $13.9m; higher credit losses and legal costs impacted results.HUMH1 2026
- Loan volumes fell 14% year-over-year, but assets under management increased 4.4%.HUMQ1 2026 TU
- Cash profit after tax rose to $52.9m, with strong asset growth and improved cost efficiency.HUMH2 2025
- Receivables up 18%, profit up 145%, and cost savings drive strong results.HUMH2 2024
- Cash profit up 119% year-over-year, assets under management rose 14%, and dividend increased 67%.HUMH1 2025
Next Humm Group earnings date
AGM 202619 Nov, 2026
Humm Group
Next Humm Group earnings date
AGM 202619 Nov, 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.