Humm Group Income Statement

Financials in millions AUD. Fiscal year is July - June.

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Interest and Dividend Income	566.6	531	413.7	341.2	340.6
Total Interest Expense	302.1	279.6	168.1	84.1	74.2
Net Interest Income	264.5	251.4	245.6	257.1	266.4
Commissions and Fees	100	88.3	96.7	99.2	103.3
Revenue Before Loan Losses	364.5	339.7	342.3	356.3	369.7
Provision for Loan Losses	83.1	96	94.3	63.4	58.7
Revenue	281.4	243.7	248	292.9	311
Revenue Growth (YoY)	15.47%	-1.73%	-15.33%	-5.82%	27.25%
Salaries & Employee Benefits	91.4	91.9	87.2	91.6	81.1
Cost of Services Provided	119.7	116.3	133.8	124.9	122.2
Total Operating Expenses	229.6	229.2	242	253.7	229.1
Operating Income	51.8	14.5	6	39.2	81.9
EBT Excluding Unusual Items	51.8	14.5	6	39.2	81.9
Impairment of Goodwill	-	-	-	-152.1	-
Pretax Income	49.5	8.2	0.8	-183.8	81.9
Income Tax Expense	9.9	1.1	-2.1	-13.5	21.8
Net Income	39.6	7.1	2.9	-170.3	60.1
Preferred Dividends & Other Adjustments	5.4	5.2	4.6	4	3
Net Income to Common	34.2	1.9	-1.7	-174.3	57.1
Net Income Growth	457.75%	144.83%	-	-	160.17%
Shares Outstanding (Basic)	482	500	500	495	476
Shares Outstanding (Diluted)	492	500	500	495	476
Shares Change (YoY)	-1.46%	0.03%	0.94%	4.08%	20.60%
EPS (Basic)	0.07	0.00	-0.00	-0.35	0.12
EPS (Diluted)	0.07	0.00	-0.00	-0.35	0.12
EPS Growth	1662.69%	-	-	-	126.42%
Free Cash Flow	157.7	-697.5	-900.7	-544.2	-139.7
Free Cash Flow Per Share	0.32	-1.40	-1.80	-1.10	-0.29
Dividend Per Share	0.020	0.020	0.020	0.031	-
Dividend Growth	-	-	-35.48%	-	-
Operating Margin	18.41%	5.95%	2.42%	13.38%	26.33%
Profit Margin	12.15%	0.78%	-0.69%	-59.51%	18.36%
Free Cash Flow Margin	56.04%	-286.21%	-363.19%	-185.80%	-44.92%
Effective Tax Rate	20.00%	13.41%	-	-	26.62%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.