Pepper Money Limited (ASX:PPM)

Pepper Money Statistics

Total Valuation

Pepper Money has a market cap or net worth of AUD 1.04 billion.

Market Cap	1.04B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, February 18, 2026.

Earnings Date	Feb 18, 2026
Ex-Dividend Date	Mar 12, 2026

Share Statistics

Pepper Money has 444.51 million shares outstanding. The number of shares has increased by 0.39% in one year.

Current Share Class	444.51M
Shares Outstanding	444.51M
Shares Change (YoY)	+0.39%
Shares Change (QoQ)	-0.13%
Owned by Insiders (%)	4.48%
Owned by Institutions (%)	19.81%
Float	156.90M

Valuation Ratios

The trailing PE ratio is 10.34 and the forward PE ratio is 9.85.

PE Ratio	10.34
Forward PE	9.85
PS Ratio	2.62
PB Ratio	1.20
P/TBV Ratio	1.39
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 307.41, with a Debt / Equity ratio of 20.00.

Current Ratio	307.41
Quick Ratio	307.41
Debt / Equity	20.00
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.12% and return on invested capital (ROIC) is 0.59%.

Return on Equity (ROE)	12.12%
Return on Assets (ROA)	0.58%
Return on Invested Capital (ROIC)	0.59%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	0.55%
Revenue Per Employee	523,087
Profits Per Employee	137,995
Employee Count	758
Asset Turnover	0.02
Inventory Turnover	n/a

Taxes

In the past 12 months, Pepper Money has paid 41.90 million in taxes.

Income Tax	41.90M
Effective Tax Rate	28.60%

Stock Price Statistics

The stock price has increased by +60.69% in the last 52 weeks. The beta is 1.00, so Pepper Money's price volatility has been similar to the market average.

Beta (5Y)	1.00
52-Week Price Change	+60.69%
50-Day Moving Average	2.14
200-Day Moving Average	2.05
Relative Strength Index (RSI)	61.02
Average Volume (20 Days)	547,444

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Pepper Money had revenue of AUD 396.50 million and earned 104.60 million in profits. Earnings per share was 0.23.

Revenue	396.50M
Gross Profit	370.20M
Operating Income	150.00M
Pretax Income	146.50M
Net Income	104.60M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.23

Balance Sheet

The company has 1.32 billion in cash and 17.40 billion in debt, with a net cash position of -16.08 billion or -36.17 per share.

Cash & Cash Equivalents	1.32B
Total Debt	17.40B
Net Cash	-16.08B
Net Cash Per Share	-36.17
Equity (Book Value)	869.90M
Book Value Per Share	1.96
Working Capital	18.14B

Cash Flow

Operating Cash Flow	-714.80M
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 93.37%, with operating and profit margins of 37.83% and 26.38%.

Gross Margin	93.37%
Operating Margin	37.83%
Pretax Margin	36.95%
Profit Margin	26.38%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.14, which amounts to a dividend yield of 6.04%.

Dividend Per Share	0.14
Dividend Yield	6.04%
Dividend Growth (YoY)	17.36%
Years of Dividend Growth	2
Payout Ratio	110.33%
Buyback Yield	-0.39%
Shareholder Yield	5.65%
Earnings Yield	10.06%
FCF Yield	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4