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HUMM GROUP LIMITED — Annual Report 2018
Aug 20, 2018
65078_rns_2018-08-20_1fd06cc8-82af-4b3f-8db4-d58e61113c9a.pdf
Annual Report
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Customers
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1,024k, +5%
975k 1,024k
FY17 FY18
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Cash NPAT
$88.2m, (5%)
93.0 88.2
FY17 FY18
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Retail Partners
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46k, +8%
42k 46k
FY17 FY18
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Receivables
$2,383m, +10%
2,168 2,383
FY17 FY18
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Volume
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$2,284m, +17%
1,952 2,284
FY17 FY18
Dividends
per share (cents)
7.70, +0%
7.70 7.70
FY17 FY18
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Volume
$541m, +3%
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527 541
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FY17 FY18
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Closing Receivables
$492m, +1%
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467 492
FY17 FY18
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Volume Trend
2H18 +10% v 2H17
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249 267 274
2H17 1H18 2H18
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Cash NPAT
$32.0m, (5%)
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33.6 32.0
FY17 FY18
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Active Customers
184k, +22%
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+23% 2yr CAGR
122k 151k 184k
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FY16
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FY17 FY18
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Closing Receivables
$649m, +34%
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483 649
FY17 FY18
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Volume
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$740m, +39%
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534 740
FY17 FY18
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Cash NPAT
$7.2m, (26%)
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Impact of short term
collections issues
9.7 7.2
FY17 FY18
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Active Customers
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Volume (NZD)
$710m, +14%
622 710
FY17 FY18
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481k, +18%
408k 481k
FY17 FY18
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Closing Receivables (NZD)
$707m, +9%
650 707
FY17 FY18
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Cash NPAT (NZD) $31.9m, +9%
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29.3 31.9
FY17 FY18
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Volume
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$104m, (6%)
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111 104
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FY17 FY18
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Cash NPAT
$0.4m, (92%)
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5.6 0.4
FY17 FY18
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Closing Receivables
$152m, (4%)
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158 152
FY17 FY18
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FlexiRent/Lisa NPS
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+31 NPS
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34 35
31
31
16
0
-3 -2 -1 -2 -2 -1
Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun
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Closing Receivables
Volume
$148m, +58%
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$285m, +9%
260 285
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94 148
FY17 FY18
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Cash NPAT
$13.0m, +15%
11.3 13.0
FY17 FY18
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Closing Receivables (NZD)
Volume (NZD)
$91m, (3%)
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$170m, (10%)
189 170
FY17 FY18
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94 91
FY17 FY18
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Cash NPAT (NZD)
$9.8m, (14%)
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11.4 9.8
FY17 FY18
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Customers
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5k YTD
Flexi-Fi
launched
Q1 Q2 Q3 Q4
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Group Impairment / ANR %
Total Arrears / Receivables
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2.7% 3.1% 3.5% 2.9% 3.0%
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FY14 FY15 FY16 FY17 FY18
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9.4% 9.0% 12.0% 10.7% 9.7%
FY14 FY15 FY16 FY17 FY18
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Corp Debt Facilities
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Drawn Undrawn Gearing (%)
$46m
$51m $92m
67%
53%
36%
$55m $55m
$142m
$126m
$104m
$45m $45m
0% 0%
FY14 FY15 FY16 FY17 FY18
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Dividends per share (cents) Wholesale Funding Facilities
Drawn Undrawn
$2,607m $2,586m
$528m
$703m
$2,059m
$1,904m
17.8 17.8 14.5 7.7 7.7
FY14 FY15 FY16 FY17 FY18 FY17 FY18
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Note: Gearing is recourse (corporate) borrowings as a percentage of equity excluding intangible assets.
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| 278 249 267 274 1H17 2H17 1H18 2H18 |
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| 238 296 358 382 1H17 2H17 1H18 2H18 |
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| 57 54 52 52 1H17 2H17 1H18 2H18 |
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| 49 45 49 99 1H17 2H17 1H18 2H18 |
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| 46 48 40 51 1H17 2H17 1H18 2H18 |
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| 325 298 362 349 1H17 2H17 1H18 2H18 |
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Cash NPAT Guidance
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100 (+13%)
88 95 (+8%)
FY18 FY19
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AASB 9 Transition Adjustment
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140
120
100
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Group AASB 139 Group AASB 9
Provision (AUDm)
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Model risk factors
Macro factors
Later stage arrears
Mid stage arrears
Fully performing &
Early stage arrears
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Wholesale Funding Facilities
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2,607 2,586
528
703
2,059
1,904
FY17 FY18
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No recommendation, offer, invitation or advice
This presentation is not a financial product or investment advice or recommendation, offer or invitation by any person or to any person to sell or purchase securities in FlexiGroup Limited (“ FlexiGroup ”) in any jurisdiction. This presentation contains general information about FlexiGroup only in summary form and does not take into account the investment objectives, financial situation and particular needs of individual investors. The information in this presentation does not purport to be complete. Investors should make their own assessment of the information in this and obtain their own independent presentation independent advice from a qualified financial adviser having regard to their objectives, financial situation and needs before taking any action. This presentation should be read in conjunction with FlexiGroup’s other periodic and continuous disclosure announcements lodged with the Australian Securities Exchange.
Exclusion of representations or warranties
The information contained in this presentation may include information derived from publicly available sources that has not been independently verified. No representation or warranty, express or implied, is made as to the accuracy, completeness, reliability or adequacy of any statements, estimates, opinions or other information, or the reasonableness of any assumption or other statement, contained in this presentation. Nor is any representation or warranty, express or implied, given as to the accuracy, completeness, likelihood of achievement or reasonableness of any forecasts, prospective statements or returns contained in this presentation. Such forecasts, prospective statements or returns are by their nature subject to significant uncertainties and contingencies many of which are outside the control of FlexiGroup. Any such forecast, prospective statement or return has been based on current expectations about future events and is subject to risks, uncertainties and assumptions that could cause actual results to differ described. Readers are cautioned not to undue reliance on materially from the expectations place forward looking statements. Actual results or performance may vary from those expressed in, or implied by, any forward looking statements. FlexiGroup does not undertake to update any forward looking statements contained in this presentation. To the maximum extent permitted by law, FlexiGroup and its related bodies corporate, directors, officers, employees, advisers and agents disclaim all liability and without limitation from fault or for direct or responsibility (including any liability arising negligence) any indirect loss or damage which may arise or be suffered through use or reliance on anything contained in, or omitted from, this presentation.
Jurisdiction
The distribution of this presentation including in jurisdictions outside Australia, may be restricted by law. Any person who receives this presentation must seek advice on and observe any such restrictions.
This document is not, and does not constitute, an offer to sell or the solicitation, invitation or recommendation to purchase any securities and neither this document nor anything contained herein shall form the basis of any contract or commitment. In particular, the document does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in the United States. The securities of FlexiGroup have not been, and will not, be registered under the US Securities Act of 1933 (as amended) (“Securities Act”), or the securities laws of any state of the United States. Each institution that reviews the document that is in the United States, or that is acting for the account or benefit of a person in the United States, will be deemed to represent that each such institution or person is a “qualified institutional buyer” within the meaning of Rule 144A of the Securities Act of 1933, and to acknowledge and agree that it will not forward or deliver this document, electronically or otherwise, to any other person.
No securities may be offered, sold or otherwise transferred except in compliance with the registration requirements of applicable securities laws or pursuant to an exemption from, or in a transaction not subject to, the registration requirements of applicable securities laws.
Investment Risk
An investment in FlexiGroup securities is subject to investment and other known and unknown risks, some of which are beyond the control of FlexiGroup. FlexiGroup does not guarantee any particular rate of return or the performance of FlexiGroup securities.
All amounts are in Australian dollars unless otherwise indicated.
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