Pepper Money Limited (ASX:PPM)

Pepper Money Ratios and Metrics

Market cap in millions AUD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 15, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	951	618	541	624	949	-
Market Cap Growth	23.93%	14.27%	-13.36%	-34.23%	-	-
PE Ratio	9.91	6.26	4.89	4.43	3.03	-
PS Ratio	2.45	1.60	1.30	1.39	2.30	-
PB Ratio	1.22	0.72	0.63	0.74	1.49	-
P/FCF Ratio	-	0.24	5.50	-	-	-
P/OCF Ratio	0.69	0.24	5.50	-	-	-
Debt / Equity Ratio	20.93	19.29	22.36	22.58	26.00	18.92
Debt / FCF Ratio	11.87	6.35	196.27	-	-	-
Quick Ratio	225.06	285.43	409.01	321.94	186.39	1.66
Current Ratio	225.06	285.43	409.01	321.94	186.39	2.69
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02
Return on Equity (ROE)	12.11%	11.43%	12.76%	19.02%	19.06%	12.86%
Return on Assets (ROA)	0.56%	0.52%	0.54%	0.76%	0.65%	0.44%
Earnings Yield	10.42%	15.98%	20.46%	22.58%	32.96%	-
Earnings Yield	10.42%	15.98%	20.46%	22.58%	32.96%	-
FCF Yield	-	420.42%	18.17%	-368.05%	-315.01%	-
Dividend Yield	5.98%	10.01%	8.60%	9.78%	6.02%	-
Payout Ratio	54.09%	44.64%	34.15%	44.89%	-	-
Buyback Yield / Dilution	-0.34%	-0.94%	-1.70%	-23.25%	-44.42%	-10.66%
Total Shareholder Return	5.70%	9.06%	6.90%	-13.47%	-38.41%	-10.66%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.