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XASXPPM
Market cap389mUSD
Dec 23, Last price  
1.42AUD
1D
0.71%
1Q
10.08%
IPO
-44.31%
Name

Pepper Money Ltd

Chart & Performance

D1W1MN
XASX:PPM chart
P/E
5.64
P/S
1.50
EPS
0.25
Div Yield, %
6.05%
Shrs. gr., 5y
0.74%
Rev. gr., 5y
-17.31%
Revenues
418m
-2.36%
92,300,000148,300,000232,355,000293,513,000370,353,000794,262,0001,080,239,00034,401,654774,100,000395,700,000427,800,000417,700,000
Net income
111m
-21.49%
24,600,00028,800,00038,103,0003,457,00061,664,00041,431,00020,513,0003,351,067-29,600,000312,900,000141,000,000110,700,000
CFO
98m
P
0045,041,000103,537,000150,561,000101,860,000293,185,000-475,606,956-1,346,600,000-2,990,500,000-2,297,900,00098,300,000
Dividend
Sep 11, 20240.05 AUD/sh
Earnings
May 23, 2025

Profile

Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing of residential home loans and small balance commercial real estate loans. The Asset Finance segment finances a range of asset types for consumer and commercial customers. The Loan and Other Servicing segment provides independent loan servicing for mortgages and personal loans, and broker administration servicing. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia.
URL
https://www.peppermoney.com.au/
IPO date
May 25, 2021
Employees
Domiciled in
AU
Incorporated in
AU

Valuation

Title
AUD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
417,700
-2.36%
427,800
8.11%
395,700
-48.88%
Cost of revenue
229,600
237,500
211,800
Unusual Expense (Income)
NOPBT
188,100
190,300
183,900
NOPBT Margin
45.03%
44.48%
46.47%
Operating Taxes
40,000
61,200
55,600
Tax Rate
21.27%
32.16%
30.23%
NOPAT
148,100
129,100
128,300
Net income
110,700
-21.49%
141,000
-54.94%
312,900
-1,157.09%
Dividends
(37,800)
(63,300)
Dividend yield
6.74%
9.94%
Proceeds from repurchase of equity
488,200
BB yield
-62.89%
Debt
Debt current
18,979,200
16,517,200
Long-term debt
19,322,200
18,995,700
16,517,200
Deferred revenue
(82,400)
Other long-term liabilities
(19,289,600)
72,300
Net debt
17,774,300
36,711,700
31,700,000
Cash flow
Cash from operating activities
98,300
(2,297,900)
(2,990,500)
CAPEX
(10,200)
(10,100)
Cash from investing activities
(7,500)
(87,600)
(266,400)
Cash from financing activities
194,300
2,319,900
3,680,600
FCF
19,120,500
(2,346,200)
(3,208,800)
Balance
Cash
1,528,700
1,243,800
1,311,400
Long term investments
19,200
19,400
23,000
Excess cash
1,527,015
1,241,810
1,314,615
Stockholders' equity
862,800
841,300
636,400
Invested Capital
19,327,800
38,047,200
33,149,000
ROIC
0.52%
0.36%
0.55%
ROCE
0.93%
0.49%
0.54%
EV
Common stock shares outstanding
456,000
448,463
359,400
Price
1.23
-13.38%
1.42
-34.26%
2.16
 
Market cap
560,880
-11.92%
636,817
-17.97%
776,304
 
EV
18,372,580
37,387,917
32,476,304
EBITDA
210,000
210,700
208,400
EV/EBITDA
87.49
177.45
155.84
Interest
1,066,100
579,800
334,000
Interest/NOPBT
566.77%
304.68%
181.62%