Pepper Money Limited (ASX:PPM)

Zuora 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	Jul 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	841	618	541	624	949	-
Market Cap Growth	14.27%	14.27%	-13.36%	-34.23%	-	-
PE Ratio	8.83	6.26	4.89	4.43	3.03	-
PS Ratio	2.17	1.60	1.30	1.39	2.30	-
PB Ratio	0.98	0.72	0.63	0.74	1.49	-
P/FCF Ratio	-	0.24	5.50	-	-	-
P/OCF Ratio	0.32	0.24	5.50	-	-	-
Debt / Equity Ratio	19.29	19.29	22.36	22.58	26.00	18.92
Debt / FCF Ratio	6.35	6.35	196.27	-	-	-
Quick Ratio	285.43	285.43	409.01	321.94	186.39	1.66
Current Ratio	285.43	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)	11.43%	11.43%	12.76%	19.02%	19.06%	12.86%
Return on Assets (ROA)	0.52%	0.52%	0.54%	0.76%	0.65%	0.44%
Earnings Yield	11.75%	15.98%	20.46%	22.58%	32.96%	-
Earnings Yield	11.75%	15.98%	20.46%	22.58%	32.96%	-
FCF Yield	-	420.42%	18.17%	-368.05%	-315.01%	-
Dividend Yield	7.49%	9.71%	8.35%	9.50%	5.84%	-
Payout Ratio	44.64%	44.64%	34.15%	44.89%	-	-
Buyback Yield / Dilution	-0.94%	-0.94%	-1.70%	-23.25%	-44.42%	-10.66%
Total Shareholder Return	6.41%	8.77%	6.65%	-13.76%	-38.58%	-10.66%

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