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XASX
PPM
Market cap508mUSD
Jun 03, Last price  
1.77AUD
1D
6.63%
1Q
14.94%
IPO
-30.59%
Name

Pepper Money Ltd

Chart & Performance

D1W1MN
P/E
7.95
P/S
1.95
EPS
0.22
Div Yield, %
5.65%
Shrs. gr., 5y
1.05%
Rev. gr., 5y
63.59%
Revenues
403m
-3.50%
92,300,000148,300,000232,355,000293,513,000370,353,000794,262,0001,080,239,00034,401,654774,100,000395,700,000427,800,000417,700,000403,100,000
Net income
99m
-10.75%
24,600,00028,800,00038,103,0003,457,00061,664,00041,431,00020,513,0003,351,067-29,600,000312,900,000141,000,000110,700,00098,800,000
CFO
2.60b
+2,543.85%
0045,041,000103,537,000150,561,000101,860,000293,185,000-475,606,956-1,346,600,000-2,990,500,000-2,297,900,00098,300,0002,598,900,000
Dividend
Sep 11, 20240.05 AUD/sh

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
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
403,100
-3.50%
417,700
-2.36%
427,800
8.11%
Cost of revenue
162,200
229,600
237,500
Unusual Expense (Income)
NOPBT
240,900
188,100
190,300
NOPBT Margin
59.76%
45.03%
44.48%
Operating Taxes
41,700
40,000
61,200
Tax Rate
17.31%
21.27%
32.16%
NOPAT
199,200
148,100
129,100
Net income
98,800
-10.75%
110,700
-21.49%
141,000
-54.94%
Dividends
(44,100)
(37,800)
(63,300)
Dividend yield
6.76%
6.74%
9.94%
Proceeds from repurchase of equity
(2,500)
BB yield
0.38%
Debt
Debt current
16,467,400
18,979,200
Long-term debt
19,322,200
18,995,700
Deferred revenue
(82,400)
Other long-term liabilities
(19,289,600)
72,300
Net debt
15,210,600
17,774,300
36,711,700
Cash flow
Cash from operating activities
2,598,900
98,300
(2,297,900)
CAPEX
(7,400)
(10,200)
Cash from investing activities
(49,300)
(7,500)
(87,600)
Cash from financing activities
(2,852,100)
194,300
2,319,900
FCF
(16,257,500)
19,120,500
(2,346,200)
Balance
Cash
1,241,500
1,528,700
1,243,800
Long term investments
15,300
19,200
19,400
Excess cash
1,236,645
1,527,015
1,241,810
Stockholders' equity
855,600
862,800
841,300
Invested Capital
33,084,200
19,327,800
38,047,200
ROIC
0.76%
0.52%
0.36%
ROCE
0.71%
0.93%
0.49%
EV
Common stock shares outstanding
462,980
456,000
448,463
Price
1.41
14.63%
1.23
-13.38%
1.42
-34.26%
Market cap
652,802
16.39%
560,880
-11.92%
636,817
-17.97%
EV
15,863,402
18,372,580
37,387,917
EBITDA
240,900
210,000
210,700
EV/EBITDA
65.85
87.49
177.45
Interest
1,094,700
1,066,100
579,800
Interest/NOPBT
454.42%
566.77%
304.68%