Pepper Money Limited (ASX: PPM)
Australia
· Delayed Price · Currency is AUD 1.395
+0.025 (1.82%)
Dec 3, 2024, 4:10 PM AEST
Pepper Money Income Statement
Financials in millions AUD. Fiscal year is January - December.
Millions AUD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | 2018 - 2014 |
|---|---|---|---|---|---|---|---|
Period Ending | Jun '24 Jun 30, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | Dec '19 Dec 31, 2019 | 2018 - 2014 |
| Interest and Dividend Income | 1,470 | 1,402 | 955.4 | 690.3 | 705.9 | 1,166 | Upgrade
|
| Total Interest Expense | 1,150 | 1,066 | 579.8 | 334 | 367.9 | 610.82 | Upgrade
|
| Net Interest Income | 320 | 336.1 | 375.6 | 356.3 | 338 | 554.88 | Upgrade
|
| Commissions and Fees | 68.6 | 72.2 | 71 | 59.9 | 51.3 | 226.91 | Upgrade
|
| Gain (Loss) on Sale of Loans & Receivables | 27.9 | 11.9 | 8.2 | 9.5 | 9.6 | - | Upgrade
|
| Other Revenue | 35.1 | 37.4 | 29.1 | 11.6 | 7.3 | 45.61 | Upgrade
|
| Revenue Before Loan Losses | 451.6 | 457.6 | 483.9 | 437.3 | 406.2 | 827.4 | Upgrade
|
| Provision for Loan Losses | 56.8 | 39.9 | 33.3 | 24.6 | 56.7 | 214.05 | Upgrade
|
| Revenue | 394.8 | 417.7 | 450.6 | 412.7 | 349.5 | 613.35 | Upgrade
|
| Revenue Growth (YoY) | -9.88% | -7.30% | 9.18% | 18.08% | -43.02% | 32.84% | Upgrade
|
| Salaries & Employee Benefits | 128.9 | 128.6 | 113.9 | 98.3 | 81.7 | 308.76 | Upgrade
|
| Cost of Services Provided | 95.1 | 109.9 | 107.8 | 99.2 | 93 | 16.17 | Upgrade
|
| Other Operating Expenses | 4 | 3.8 | 4.7 | 4.6 | 6 | 196.76 | Upgrade
|
| Total Operating Expenses | 247.6 | 264.2 | 246.8 | 226.6 | 205.1 | 557.01 | Upgrade
|
| Operating Income | 147.2 | 153.5 | 203.8 | 186.1 | 144.4 | 56.35 | Upgrade
|
| Earnings From Equity Investments | - | - | - | - | - | 8.68 | Upgrade
|
| EBT Excluding Unusual Items | 147.2 | 153.5 | 203.8 | 186.1 | 144.4 | 65.03 | Upgrade
|
| Gain (Loss) on Sale of Investments | 1.1 | -0.5 | -2.1 | 0.2 | -2.9 | - | Upgrade
|
| Impairment of Goodwill | -4.3 | -4.3 | - | - | - | - | Upgrade
|
| Pretax Income | 144 | 148.7 | 201.7 | 186.3 | 141.5 | 65.03 | Upgrade
|
| Income Tax Expense | 41.2 | 40 | 61.2 | 55.6 | 42.1 | 15.18 | Upgrade
|
| Earnings From Continuing Ops. | 102.8 | 108.7 | 140.5 | 130.7 | 99.4 | 49.85 | Upgrade
|
| Earnings From Discontinued Ops. | - | - | - | 182.2 | -129.4 | - | Upgrade
|
| Net Income to Company | 102.8 | 108.7 | 140.5 | 312.9 | -30 | 49.85 | Upgrade
|
| Minority Interest in Earnings | 1.6 | 2 | 0.5 | - | 0.4 | 0.06 | Upgrade
|
| Net Income | 104.4 | 110.7 | 141 | 312.9 | -29.6 | 49.91 | Upgrade
|
| Net Income to Common | 104.4 | 110.7 | 141 | 312.9 | -29.6 | 49.91 | Upgrade
|
| Net Income Growth | -14.29% | -21.49% | -54.94% | - | - | 143.30% | Upgrade
|
| Shares Outstanding (Basic) | 440 | 440 | 440 | 359 | 252 | 228 | Upgrade
|
| Shares Outstanding (Diluted) | 460 | 456 | 448 | 364 | 252 | 228 | Upgrade
|
| Shares Change (YoY) | 2.35% | 1.69% | 23.25% | 44.42% | 10.66% | - | Upgrade
|
| EPS (Basic) | 0.24 | 0.25 | 0.32 | 0.87 | -0.12 | 0.22 | Upgrade
|
| EPS (Diluted) | 0.22 | 0.24 | 0.31 | 0.86 | -0.12 | 0.22 | Upgrade
|
| EPS Growth | -16.53% | -23.96% | -63.56% | - | - | - | Upgrade
|
| Free Cash Flow | 1,230 | 98.3 | -2,298 | -2,991 | -1,347 | 394.52 | Upgrade
|
| Free Cash Flow Per Share | 2.67 | 0.22 | -5.12 | -8.22 | -5.35 | 1.73 | Upgrade
|
| Dividend Per Share | 0.100 | 0.085 | 0.105 | 0.090 | - | - | Upgrade
|
| Dividend Growth | 16.28% | -19.05% | 16.67% | - | - | - | Upgrade
|
| Operating Margin | 37.28% | 36.75% | 45.23% | 45.09% | 41.32% | 9.19% | Upgrade
|
| Profit Margin | 26.44% | 26.50% | 31.29% | 75.82% | -8.47% | 8.14% | Upgrade
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| Free Cash Flow Margin | 311.55% | 23.53% | -509.96% | -724.62% | -385.29% | 64.32% | Upgrade
|
| Effective Tax Rate | 28.61% | 26.90% | 30.34% | 29.84% | 29.75% | 23.34% | Upgrade
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Source: S&P Capital IQ. Financial Services template. Financial Sources.