Humm Group Limited · ASX:HUM
Humm — H1 2026 Earnings Presentation
26 slides from Humm's earnings presentation, Feb 11, 2026
Slide 1: Interim Results for the Half-Year Ended 31 December 2025
HUMM GROUP LIMITED INTERIM RESULTS FOR THE HALF-YEAR ENDED 31 DECEMBER 2025 Angelo Demasi | Chief Executive Officer Tony Taylor | interim Chief Financial Officer 11 February 2026 Authorised for release by the hummgroup Board of Directors humm Group Limited, ACN 122 574 583 Level 14, 255 Pitt Street,
Slide 2: Disclaimer
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 DISCLAIMER This presentation has been prepared by hummgroup limited (ACN 122 574 583) (hummgroup). liability and responsibility (including without limitation any liability arising from fault or negligence) for any direct or indirect loss or damage which may a
Slide 3: Agenda
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 01 HIGHLIGHTS 02 FINANCIALS AGENDA 03 SUMMARY 04 APPENDICES 3
Slide 4: Highlights
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 01 HIGHLIGHTS 4
Slide 5: Group Performance
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 GROUP PERFORMANCE 01 02 03 04 05 06 $13.9m 5.6c 5.4% 57.4% Group Net 1.5c Statutory profit Annualised Return on Cost to income Loss/ANR fully franked (after tax) statutory profit Equity3 ratio4 remained low interim (Including adjustment to the earnings (Inclu
Slide 6: Group Key Performance Metrics
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 GROUP KEY PERFORMANCE METRICS STATUTORY PROFIT (AFTER TAX) NET INTEREST INCOME AND NIM1 INCL. FORUM FINANCE PROVISION AND OTHER SPECIFIC ITEMS 5.6% 5.5% 5.5% 5.5% 5.4% $27.3m $13.1m $12.3m $13.9m $133.9m $134.4m $128.7m $130.6m $122.7m -$6.0m 1H24 2H24 1H25 2
Slide 7: Group Key Performance Metrics: Credit Performance
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 GROUP KEY PERFORMANCE METRICS CREDIT PERFORMANCE (NET CREDIT LOSS TO ANR1 vs AVERAGE AUM2) CREDIT ORIGINATION QUALITY REMAINS STRONG • As anticipated and communicated, Net Credit Loss to Average Net Receivables (ANR) increased 15bps on 2H25 with the Commercia
Slide 8: Balance Sheet and Capital Management
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 BALANCE SHEET AND CAPITAL MANAGEMENT ASSETS UNDER MANAGEMENT 1 Previously referred to as “Unrestricted Cash” $2.0b $1.9b $2.0b $1.9b $1.8b Risk & Liquidity Working & Strategic UNRESTRICTED CASH BALANCES COMPRISE: net of Corporate Debt Growth Capital $5.5b $5.
Slide 9: Growth, Efficiency and Resilience from Technology and Transformation Initiatives
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 GROWTH, EFFICIENCY AND RESILIENCE FROM TECHNOLOGY AND TRANSFORMATION INITIATIVES TRANSFORMING OUR PLATFORMS INFRASTRUCTURE MODERNISATION LENDING STATUS: OPERATE & ENHANCE TOWARDS SOFTWARE CARDS STATUS: IMPLEMENTATION AS A SERVICE CUSTOMER X STATUS: IMPLEMENTA
Slide 10: Global Strategy
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 GLOBAL STRATEGY Targeted offshore investment continues, delivering returns in 1H26 with a balanced growth trajectory and strategic alignment to opportunities across global markets GLOBAL GROWTH IN VOLUME, • humm's global growth momentum continued in 1H26. REC
Slide 11: Financials
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 02 FINANCIALS 11
Slide 12: Hummgroup Financial Performance
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 HUMMGROUP FINANCIAL PERFORMANCE MVMT MVMT 1H26 1H26 PERFORMANCE ACROSS KEY METRICS vs 1H251 vs 2H251 HUMMGROUP ($M) 1H25 2H25 1H26 • Compared to 2H25, statutory profit (after tax) is up 13.0%, driven by the absence of Interest income 285.3 281.3 280.4 (1.7%)
Slide 13: Consideration for Underlying Performance
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 CONSIDERATION FOR UNDERLYING PERFORMANCE ($M) 1H25 2H25 1H26 OBSERVATIONS AND COMMENTARY STATUTORY PROFIT AFTER TAX 27.3 12.3 13.9 • 1H26 Statutory profit (after tax) was $13.9m, down 49.1% (pcp) and up 13.0% (2H25). NON-CASH ITEMS ($M) AFTER TAX 1H251 2H251
Slide 14: Commercial
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 COMMERCIAL 1H26 1H26 ($M) 1H25 2H25 1H26 vs 1H25 vs 2H25 SOLID PERFORMANCE AMID SME MARKET HEADWINDS Net interest income 51.2 45.3 47.0 (8.2%) 3.8% • Commercial performance in 1H26 is more comparable to 2H25 than pcp, reflecting the timing and scale of the in
Slide 15: Consumer
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 CONSUMER 1H26 1H26 ($M) 1H25 2H25 1H26 vs 1H25 vs 2H25 STRONG PROFIT PERFORMANCE IN CARDS AND HUMM IRELAND Net interest income 79.4 88.6 87.4 10.1% (1.4%) • Statutory profit (after tax) of $14.3m increased 180.4% on 2H25 and 76.5% pcp, driven Net operating in
Slide 16: Corporate
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 CORPORATE 1H26 1H26 ($M) 1H25 2H25 1H26 vs 1H25 vs 2H25 CORPORATE SEGMENT Operating expenses (14.4) (10.1) (19.0) (31.9%) (88.1%) • At full financial year 2025, the Group announced an internal reporting restructure, creating a new segment, Corporate. It inclu
Slide 17: Credit Risk Management
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 CREDIT RISK MANAGEMENT 1H26 1H26 NET CREDIT LOSS1 TO ANR 1H25 2H25 1H26 vs 1H25 vs 2H25 NET CREDIT LOSS Commercial 0.9% 1.1% 1.3%2 (45bps) (20bps) • Group net credit loss to ANR increased 15bps to 2.0%2 from 2H25. PosPP 2.4% 2.3% 2.5% (10bps) (15bps) • As ant
Slide 18: Differentiated Funding Platform
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 DIFFERENTIATED FUNDING PLATFORM STRENGTH IN FUNDING PLATFORM RELATIVE TO COMPETITORS FORWARD FLOW ARRANGEMENT DELIVERS NEW REVENUE STREAMS • Diversified funding base with mix of warehouse funding, mezzanine funding, WITH A CAPITAL LIGHT FOOTPRINT private plac
Slide 19: Summary
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 03 SUMMARY 19
Slide 20: Well-Positioned for 2026 and Beyond
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 WELL-POSITIONED FOR 2026 AND BEYOND CONFIDENCE STRONG CLEAR IMPROVING FOR THE FOUNDATIONS MOMENTUM OUTLOOK FUTURE 20
Slide 21: Appendices
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 04 APPENDICES 21
Slide 22: To Be the Provider of Finance for Bigger Purchases
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 TO BE THE PROVIDER OF FINANCE FOR BIGGER PURCHASES CONSUMER FINANCE ANZ leading provider Leading Point of Sale POSITIONING of specialist asset finance finance CORE EXPERTISE ASSETS UNDER MANAGEMENT $3.4b $2.0b >> Instant credit decisioning Construction // Eng
Slide 23: Expenditure - Capability Investment & Irregular Items
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 EXPENDITURE - CAPABILITY INVESTMENT & IRREGULAR ITEMS 1H26 1H26 OPERATING EXPENSES ($M)1 1H25 2H25 1H26 vs 1H25 vs 2H25 OPERATING EXPENSES Marketing 5.1 5.4 5.2 (2.0%) 3.7% • CTI increasing from 52.4% in 1H25 to 57.4% in 1H26, driven primarily by $8.3m Employ
Slide 24: Optimising Capital for Growth
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 OPTIMISING CAPITAL FOR GROWTH ASSET GROWTH COMPARED TO CONTRIBUTED EQUITY OPTIMISING CAPITAL TO SUSTAIN GROWTH $5.5b $5.4b 15.0% • Disciplined capital management has supported balance sheet strength, delivered growth, earnings capacity, and lowered risk. 11.6
Slide 25: Commercial Strong Credit Quality & Asset Diversification
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 COMMERCIAL STRONG CREDIT QUALITY & ASSET DIVERSIFICATION ASSET CATEGORY SECTOR CONCENTRATION GEOGRAPHICAL CONCENTRATION DIVERSE CUSTOMER BASE WEIGHTED AVERAGE CREDIT RISK RATING ` BROAD BASED EXPOSURE AND DIVERSIFICATION Credit worthiness rated from 10 (Lowes
Slide 26: Thank You
1H26 INTERIM RESULTS // 11 FEBRUARY 2026 THANK YOU 26