Pepper Money Limited (ASX:PPM)
Australia · Delayed Price · Currency is AUD 1.815
-0.010 (-0.55%)
Aug 11, 2026, 4:10 PM AEST
Pepper Money Financials Overview
Financials in millions AUD. Fiscal year is January - December.
Millions AUD. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 396.5 | 396.5 | 386.9 | 417.7 | 450.6 | 412.7 |
Revenue Growth | 2.14% | 2.48% | -7.37% | -7.30% | 9.18% | 18.08% |
Operating Income Operating Income Growth | 150 | 150 | 151.2 | 153.5 | 203.8 | 186.1 |
Net Income Net Income Growth | 104.6 | 104.6 | 98.8 | 110.7 | 141 | 312.9 |
Earnings Per Share EPS Growth | 0.23 | 0.23 | 0.21 | 0.24 | 0.31 | 0.86 |
EPS Growth | 4.82% | 5.43% | -11.58% | -22.54% | -63.56% | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Mortgages Mortgages Growth | 215.6 | 215.6 | 233.7 | 214.7 | 246.8 | 256.1 |
Asset Finance Asset Finance Growth | 153.1 | 153.1 | 139.2 | 166.3 | 149.6 | 110.8 |
Loan and Other Servicing Loan and Other Servicing Growth | 17.7 | 17.7 | 10.9 | 7.3 | 11 | 8.8 |
Corporate Corporate Growth | -20.1 | -20.1 | -26.4 | -25.2 | -12.5 | -10.2 |
Total Total Growth | 366.3 | 366.3 | 357.4 | 363.1 | 394.9 | 365.5 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 1,320 | 1,320 | 1,263 | 1,600 | 1,397 | 1,356 |
Total Debt Total Debt Growth | 17,397 | 17,397 | 16,506 | 19,294 | 18,999 | 16,543 |
Net Cash (Debt) Net Cash Growth | -16,077 | -16,077 | -15,243 | -17,694 | -17,602 | -15,188 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -34.79 | -34.79 | -33.12 | -38.80 | -39.26 | -41.75 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -714.8 | -714.8 | 2,599 | 98.3 | -2,298 | -2,991 |
Capital Expenditures CapEx Growth | - | - | - | - | - | - |
Free Cash Flow Free Cash Flow Growth | -714.8 | -714.8 | 2,599 | 98.3 | -2,298 | -2,991 |
Free Cash Flow Growth | - | - | 2543.84% | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 37.83% | 37.83% | 39.08% | 36.75% | 45.23% | 45.09% |
Pretax Margin | 36.95% | 36.95% | 36.16% | 35.60% | 44.76% | 45.14% |
Profit Margin | 26.38% | 26.38% | 25.54% | 26.50% | 31.29% | 75.82% |
FCF Margin | -180.28% | -180.28% | 671.72% | 23.53% | -509.96% | -724.62% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 11, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.142 | 0.142 | 0.121 | 0.085 | 0.105 | 0.090 |
Dividend Per Share Growth | 17.36% | 17.36% | 42.35% | -19.05% | 16.67% | - |
Dividend Yield | 7.76% | 6.81% | 10.36% | 8.91% | 10.13% | 6.23% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 11, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 8.06 | 9.18 | 6.26 | 4.89 | 4.43 | 3.03 |
Forward PE | 7.67 | 9.10 | 6.50 | 5.91 | 4.54 | 6.68 |
P/FCF Ratio | - | - | 0.24 | 5.50 | - | - |
PS Ratio | 2.07 | 2.42 | 1.60 | 1.30 | 1.39 | 2.30 |