Humm Group Income Statement

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

Millions AUD. Fiscal year is Jul - Jun.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	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	561.7	566.6	531	413.7	341.2	340.6
Total Interest Expense	293.4	302.1	279.6	168.1	84.1	74.2
Net Interest Income	268.3	264.5	251.4	245.6	257.1	266.4
Commissions and Fees	94.9	100	88.3	96.7	99.2	103.3
Revenue Before Loan Losses	363.2	364.5	339.7	342.3	356.3	369.7
Provision for Loan Losses	94	83.1	96	94.3	63.4	58.7
Revenue	269.2	281.4	243.7	248	292.9	311
Revenue Growth (YoY)	-1.25%	15.47%	-1.73%	-15.33%	-5.82%	27.25%
Salaries & Employee Benefits	92.3	91.4	91.9	87.2	91.6	81.1
Cost of Services Provided	118	119.7	116.3	133.8	124.9	122.2
Total Operating Expenses	229.1	229.6	229.2	242	253.7	229.1
Operating Income	40.1	51.8	14.5	6	39.2	81.9
EBT Excluding Unusual Items	40.1	51.8	14.5	6	39.2	81.9
Impairment of Goodwill	-	-	-	-	-152.1	-
Pretax Income	32	49.5	8.2	0.8	-183.8	81.9
Income Tax Expense	5.8	9.9	1.1	-2.1	-13.5	21.8
Net Income	26.2	39.6	7.1	2.9	-170.3	60.1
Preferred Dividends & Other Adjustments	5.4	5.4	5.2	4.6	4	3
Net Income to Common	20.8	34.2	1.9	-1.7	-174.3	57.1
Net Income Growth	-35.15%	457.75%	144.83%	-	-	160.17%
Shares Outstanding (Basic)	413	482	500	500	495	476
Shares Outstanding (Diluted)	423	492	500	500	495	476
Shares Change (YoY)	-33.94%	-1.46%	0.03%	0.94%	4.08%	20.60%
EPS (Basic)	0.05	0.07	0.00	-0.00	-0.35	0.12
EPS (Diluted)	0.05	0.07	0.00	-0.00	-0.35	0.12
EPS Growth	-15.72%	1662.69%	-	-	-	126.42%
Free Cash Flow	-3.3	157.7	-697.5	-900.7	-544.2	-139.7
Free Cash Flow Per Share	-0.01	0.32	-1.40	-1.80	-1.10	-0.29
Dividend Per Share	0.022	0.020	0.020	0.020	0.031	-
Dividend Growth	-10.00%	-	-	-35.48%	-	-
Operating Margin	14.90%	18.41%	5.95%	2.42%	13.38%	26.33%
Profit Margin	7.73%	12.15%	0.78%	-0.69%	-59.51%	18.36%
Free Cash Flow Margin	-1.23%	56.04%	-286.21%	-363.19%	-185.80%	-44.92%
Effective Tax Rate	18.13%	20.00%	13.41%	-	-	26.62%

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