Pepper Money Limited (ASX:PPM)
Australia · Delayed Price · Currency is AUD 1.950
0.00 (0.00%)
Sep 4, 2026, 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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Interest and Dividend Income | 1,314 | 1,276 | 1,436 | 1,402 | 955.4 | 690.3 |
Total Interest Expense | 970.8 | 962.5 | 1,124 | 1,066 | 579.8 | 334 |
Net Interest Income | 343.3 | 313.1 | 312.2 | 336.1 | 375.6 | 356.3 |
Commissions and Fees | 68.8 | 68 | 65.6 | 72.2 | 71 | 59.9 |
Gain (Loss) on Sale of Loans & Receivables | 62.4 | 66 | 42.8 | 11.9 | 8.2 | 9.5 |
Other Revenue | 42.8 | 40 | 35.6 | 37.4 | 29.1 | 11.6 |
Revenue Before Loan Losses | 517.3 | 487.1 | 456.2 | 457.6 | 483.9 | 437.3 |
Provision for Loan Losses | 98.4 | 90.6 | 69.3 | 39.9 | 33.3 | 24.6 |
| 418.9 | 396.5 | 386.9 | 417.7 | 450.6 | 412.7 | |
Revenue Growth | 7.91% | 2.48% | -7.37% | -7.30% | 9.18% | 18.08% |
Salaries & Employee Benefits | 138.2 | 132.1 | 126.3 | 128.6 | 113.9 | 98.3 |
Cost of Services Provided | 108.5 | 94.1 | 85.9 | 109.9 | 107.8 | 99.2 |
Other Operating Expenses | 4.1 | 3.9 | 4.1 | 3.8 | 4.7 | 4.6 |
Total Operating Expenses | 265.6 | 246.5 | 235.7 | 264.2 | 246.8 | 226.6 |
Operating Income | 153.3 | 150 | 151.2 | 153.5 | 203.8 | 186.1 |
EBT Excluding Unusual Items | 153.3 | 150 | 151.2 | 153.5 | 203.8 | 186.1 |
Gain (Loss) on Sale of Investments | -1 | -3.5 | -3.9 | -0.5 | -2.1 | 0.2 |
Impairment of Goodwill | - | - | -7.4 | -4.3 | - | - |
Pretax Income | 152.3 | 146.5 | 139.9 | 148.7 | 201.7 | 186.3 |
Income Tax Expense | 44.3 | 41.9 | 41.7 | 40 | 61.2 | 55.6 |
Earnings From Continuing Ops. | 108 | 104.6 | 98.2 | 108.7 | 140.5 | 130.7 |
Earnings From Discontinued Ops. | - | - | - | - | - | 182.2 |
Net Income to Company | 108 | 104.6 | 98.2 | 108.7 | 140.5 | 312.9 |
Minority Interest in Earnings | - | - | 0.6 | 2 | 0.5 | - |
Net Income | 108 | 104.6 | 98.8 | 110.7 | 141 | 312.9 |
Net Income to Common | 108 | 104.6 | 98.8 | 110.7 | 141 | 312.9 |
Net Income Growth | 8.98% | 5.87% | -10.75% | -21.49% | -54.94% | - |
Shares Outstanding (Basic) | 446 | 443 | 441 | 440 | 440 | 359 |
Shares Outstanding (Diluted) | 463 | 462 | 460 | 456 | 448 | 364 |
Shares Change | 0.36% | 0.39% | 0.94% | 1.70% | 23.25% | 44.42% |
EPS (Basic) | 0.24 | 0.24 | 0.22 | 0.25 | 0.32 | 0.87 |
EPS (Diluted) | 0.23 | 0.23 | 0.21 | 0.24 | 0.31 | 0.86 |
EPS Growth | 7.95% | 5.43% | -11.58% | -22.54% | -63.56% | - |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Free Cash Flow | -2,671 | -714.8 | 2,599 | 98.3 | -2,298 | -2,991 |
Free Cash Flow Per Share | -5.76 | -1.55 | 5.65 | 0.22 | -5.13 | -8.22 |
Dividend Per Share | 0.150 | 0.142 | 0.121 | 0.085 | 0.105 | 0.090 |
Dividend Growth | 11.11% | 17.36% | 42.35% | -19.05% | 16.67% | - |
Operating Margin | 36.60% | 37.83% | 39.08% | 36.75% | 45.23% | 45.09% |
Profit Margin | 25.78% | 26.38% | 25.54% | 26.50% | 31.29% | 75.82% |
Free Cash Flow Margin | -637.72% | -180.28% | 671.72% | 23.53% | -509.96% | -724.62% |
Effective Tax Rate | 29.09% | 28.60% | 29.81% | 26.90% | 30.34% | 29.84% |