Australia · Delayed Price · Currency is AUD Pepper Money Statistics
Total Valuation
Pepper Money has a market cap or net worth of AUD 766.18 million.
| Market Cap | 766.18M |
| Enterprise Value | n/a |
Important Dates
The next estimated earnings date is Friday, November 20, 2026.
| Earnings Date | Nov 20, 2026 |
| Ex-Dividend Date | Sep 8, 2026 |
Share Statistics
Pepper Money has 449.37 million shares outstanding. The number of shares has increased by 0.36% in one year.
| Current Share Class | 449.37M |
| Shares Outstanding | 449.37M |
| Shares Change (YoY) | +0.36% |
| Shares Change (QoQ) | +0.69% |
| Owned by Insiders (%) | 4.64% |
| Owned by Institutions (%) | 17.33% |
| Float | 160.82M |
Valuation Ratios
The trailing PE ratio is 7.32 and the forward PE ratio is 6.80.
| PE Ratio | 7.32 |
| Forward PE | 6.80 |
| PS Ratio | 1.83 |
| PB Ratio | 0.86 |
| P/TBV Ratio | 1.00 |
| 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 636.34, with a Debt / Equity ratio of 21.31.
| Current Ratio | 636.34 |
| Quick Ratio | 636.34 |
| Debt / Equity | 21.31 |
| Debt / EBITDA | n/a |
| Debt / FCF | -7.08 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.98% and return on invested capital (ROIC) is 0.55%.
| Return on Equity (ROE) | 12.98% |
| Return on Assets (ROA) | 0.58% |
| Return on Invested Capital (ROIC) | 0.55% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 0.42% |
| Revenue Per Employee | 552,639 |
| Profits Per Employee | 142,480 |
| Employee Count | 758 |
| Asset Turnover | 0.02 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Pepper Money has paid 44.30 million in taxes.
| Income Tax | 44.30M |
| Effective Tax Rate | 29.09% |
Stock Price Statistics
The stock price has decreased by -20.33% in the last 52 weeks. The beta is 1.21, so Pepper Money's price volatility has been higher than the market average.
| Beta (5Y) | 1.21 |
| 52-Week Price Change | -20.33% |
| 50-Day Moving Average | 1.77 |
| 200-Day Moving Average | 1.88 |
| Relative Strength Index (RSI) | 35.08 |
| Average Volume (20 Days) | 347,206 |
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 418.90 million and earned 108.00 million in profits. Earnings per share was 0.23.
| Revenue | 418.90M |
| Gross Profit | 392.40M |
| Operating Income | 153.30M |
| Pretax Income | 152.30M |
| Net Income | 108.00M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | 0.23 |
Balance Sheet
The company has 984.80 million in cash and 18.90 billion in debt, with a net cash position of -17.92 billion or -39.87 per share.
| Cash & Cash Equivalents | 984.80M |
| Total Debt | 18.90B |
| Net Cash | -17.92B |
| Net Cash Per Share | -39.87 |
| Equity (Book Value) | 886.90M |
| Book Value Per Share | 1.97 |
| Working Capital | 19.70B |
Cash Flow
| Operating Cash Flow | -2.67B |
| Capital Expenditures | n/a |
| Depreciation & Amortization | 3.60M |
| Net Borrowing | 2.73B |
| Free Cash Flow | -2.67B |
| FCF Per Share | -5.94 |
Margins
Gross margin is 93.67%, with operating and profit margins of 36.60% and 25.78%.
| Gross Margin | 93.67% |
| Operating Margin | 36.60% |
| Pretax Margin | 36.36% |
| Profit Margin | 25.78% |
| 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 8.33%.
| Dividend Per Share | 0.14 |
| Dividend Yield | 8.33% |
| Dividend Growth (YoY) | -42.31% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 110.09% |
| Buyback Yield | -0.36% |
| Shareholder Yield | 7.97% |
| Earnings Yield | 14.10% |
| FCF Yield | -348.66% |
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 |
Analyst Forecast
The average price target for Pepper Money is 2.15, which is 26.10% higher than the current price. The consensus rating is "Buy".
| Price Target | 2.15 |
| Price Target Difference | 26.10% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | 10.08% |
| EPS Growth Forecast (3Y) | 7.55% |
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 |