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Humm Group (HUM) investor relations material

Humm Group Q1 2026 TU earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q1 2026 TU earnings summary30 Oct, 2025

Executive summary

  • New loan origination volume reached $845m, a 14% decrease year-over-year, with both Commercial and Consumer segments declining due to subdued demand and regulatory changes.

  • Assets under management increased 4.4% to $5.3b, with Commercial assets at $3.3b and Consumer net receivables at $2.0b.

Financial highlights

  • Commercial volume was $339m, down 13% year-over-year; Consumer volume was $506m, down 15%.

  • Net interest margin remained steady at 5.4%.

  • Net losses/average net receivables (ANR) for the group stood at 1.9% on a 12-month rolling basis.

Outlook and guidance

  • Humm loan volumes in Australia are expected to remain below prior year levels for the rest of FY26, with a projected $7.8m decrease in net operating income for the full year.

  • Commercial segment losses are expected to remain elevated in 1H26 before stabilizing in 2H26, with FY26 Net Loss/ANR forecasted between 1.21% and 1.25%.

  • Growth in Point of Sale International is anticipated to partially offset lower Australian volumes.

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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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