Pepper Money Limited (ASX:PPM)
Australia flag Australia · Delayed Price · Currency is AUD
2.250
+0.090 (4.17%)
Sep 4, 2025, 4:10 PM AEST

Pepper Money Income Statement

Millions AUD. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202016 - 2020
Period Ending
Jun '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2016 - 2020
Interest and Dividend Income
1,3411,4361,402955.4690.3705.9
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Total Interest Expense
1,0411,1241,066579.8334367.9
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Net Interest Income
300.1312.2336.1375.6356.3338
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Commissions and Fees
64.765.672.27159.951.3
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Gain (Loss) on Sale of Loans & Receivables
54.342.811.98.29.59.6
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Other Revenue
37.735.637.429.111.67.3
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Revenue Before Loan Losses
456.8456.2457.6483.9437.3406.2
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Provision for Loan Losses
68.669.339.933.324.656.7
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388.2386.9417.7450.6412.7349.5
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Revenue Growth (YoY)
-1.67%-7.37%-7.30%9.18%18.08%-43.02%
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Salaries & Employee Benefits
124.5126.3128.6113.998.381.7
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Cost of Services Provided
87.385.9109.9107.899.293
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Other Operating Expenses
3.84.13.84.74.66
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Total Operating Expenses
234.3235.7264.2246.8226.6205.1
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Operating Income
153.9151.2153.5203.8186.1144.4
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EBT Excluding Unusual Items
153.9151.2153.5203.8186.1144.4
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Gain (Loss) on Sale of Investments
-4.7-3.9-0.5-2.10.2-2.9
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Impairment of Goodwill
-7.4-7.4-4.3---
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Pretax Income
141.8139.9148.7201.7186.3141.5
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Income Tax Expense
42.741.74061.255.642.1
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Earnings From Continuing Ops.
99.198.2108.7140.5130.799.4
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Earnings From Discontinued Ops.
----182.2-129.4
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Net Income to Company
99.198.2108.7140.5312.9-30
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Minority Interest in Earnings
-0.620.5-0.4
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Net Income
99.198.8110.7141312.9-29.6
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Net Income to Common
99.198.8110.7141312.9-29.6
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Net Income Growth
-5.08%-10.75%-21.49%-54.94%--
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Shares Outstanding (Basic)
442441440440359252
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Shares Outstanding (Diluted)
462460456448364252
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Shares Change (YoY)
0.34%0.94%1.70%23.25%44.42%10.66%
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EPS (Basic)
0.220.220.250.320.87-0.12
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EPS (Diluted)
0.220.210.240.310.86-0.12
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EPS Growth
-5.21%-11.58%-22.54%-63.56%--
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Free Cash Flow
1,3702,59998.3-2,298-2,991-1,347
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Free Cash Flow Per Share
2.975.650.22-5.13-8.22-5.35
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Dividend Per Share
0.1350.1210.0850.1050.090-
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Dividend Growth
35.00%42.35%-19.05%16.67%--
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Operating Margin
39.65%39.08%36.75%45.23%45.09%41.32%
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Profit Margin
25.53%25.54%26.50%31.29%75.82%-8.47%
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Free Cash Flow Margin
352.81%671.72%23.53%-509.96%-724.62%-385.29%
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Effective Tax Rate
30.11%29.81%26.90%30.34%29.84%29.75%
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Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.