Humm is restructuring where it is simplifying and improving products and systems, streamlining finance applications and narrowing its addressable market. From competing via a diversified product set, it now intends to focus on a select few product lines.
Humm’s broad product portfolio brings a large addressable market, which gives it significant opportunity to increase if management’s turnaround strategy proves successful.
The level of complexity and overlap between Humm’s products could create friction with customers and discourage product uptake.
|
Metric
|
HUM
|
ZIP
|
|---|---|---|
Price/Earnings (Normalized) | 19.45 | — |
Price/Book Value | 0.37 | 3.10 |
Price/Sales | 0.43 | 1.50 |
Price/Cash Flow | — | 10.10 |
|
Metric
|
HUM
|
ZIP
|
|---|---|---|
Quick Ratio | 1.07 | 8.20 |
Current Ratio | 1.08 | 8.64 |
Interest Coverage | 0.65 | 0.82 |
|
Metric
|
HUM
|
ZIP
|
|---|---|---|
Return on Assets (Normalized) | 0.29% | −2.41% |
Return on Equity (Normalized) | 2.24% | −26.24% |
Return on Invested Capital (Normalized) | 2.44% | 3.56% |
|
Ticker
|
Name
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|
V
| Visa Inc Class A | Cxhqycc | Bjzyw | $573.1 Bil | |
MA
| Mastercard Inc Class A | Bgzsfvfs | Zqjzs | $426.6 Bil | |
AXP
| American Express Co | Yjccwqjkb | Yrdpr | $174.7 Bil | |
PYPL
| PayPal Holdings Inc | Shftmzs | Tjvcwz | $67.4 Bil | |
COF
| Capital One Financial Corp | Nvcjfxby | Qhktcjk | $54.2 Bil | |
DFS
| Discover Financial Services | Qvpdpsbz | Xshthg | $31.4 Bil | |
SYF
| Synchrony Financial | Vzffylwx | Zsqyg | $17.6 Bil | |
ALLY
| Ally Financial Inc | Grsygwgjt | Mmmk | $12.3 Bil | |
SOFI
| SoFi Technologies Inc Ordinary Shares | Tcgtwlk | Mmtq | $7.7 Bil | |
WU
| The Western Union Co | Xrgjtxj | Bnzgsv | $4.5 Bil |
