Pepper Money Limited (ASX:PPM)

Pepper Money Statistics

Total Valuation

Pepper Money has a market cap or net worth of AUD 951.26 million.

Market Cap	951.26M
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, August 28, 2025.

Earnings Date	Aug 28, 2025
Ex-Dividend Date	Sep 11, 2025

Share Statistics

Pepper Money has 444.51 million shares outstanding. The number of shares has increased by 0.34% in one year.

Current Share Class	444.51M
Shares Outstanding	444.51M
Shares Change (YoY)	+0.34%
Shares Change (QoQ)	+0.28%
Owned by Insiders (%)	4.53%
Owned by Institutions (%)	20.46%
Float	156.69M

Valuation Ratios

The trailing PE ratio is 9.91 and the forward PE ratio is 9.36.

PE Ratio	9.91
Forward PE	9.36
PS Ratio	2.45
PB Ratio	1.22
P/TBV Ratio	1.46
P/FCF Ratio	n/a
P/OCF Ratio	0.69
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 225.06, with a Debt / Equity ratio of 20.93.

Current Ratio	225.06
Quick Ratio	225.06
Debt / Equity	20.93
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.11%.

Return on Equity (ROE)	12.11%
Return on Assets (ROA)	0.56%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	512,137
Profits Per Employee	130,739
Employee Count	758
Asset Turnover	0.02
Inventory Turnover	n/a

Taxes

In the past 12 months, Pepper Money has paid 42.70 million in taxes.

Income Tax	42.70M
Effective Tax Rate	30.11%

Stock Price Statistics

The stock price has increased by +66.92% in the last 52 weeks. The beta is 1.11, so Pepper Money's price volatility has been higher than the market average.

Beta (5Y)	1.11
52-Week Price Change	+66.92%
50-Day Moving Average	2.00
200-Day Moving Average	1.64
Relative Strength Index (RSI)	56.29
Average Volume (20 Days)	331,359

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 388.20 million and earned 99.10 million in profits. Earnings per share was 0.22.

Revenue	388.20M
Gross Profit	361.70M
Operating Income	153.90M
Pretax Income	141.80M
Net Income	99.10M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.22

Balance Sheet

The company has 1.02 billion in cash and 16.26 billion in debt, giving a net cash position of -15.24 billion or -34.29 per share.

Cash & Cash Equivalents	1.02B
Total Debt	16.26B
Net Cash	-15.24B
Net Cash Per Share	-34.29
Equity (Book Value)	777.00M
Book Value Per Share	1.75
Working Capital	16.85B

Cash Flow

Operating Cash Flow	1.37B
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 93.17%, with operating and profit margins of 39.64% and 25.53%.

Gross Margin	93.17%
Operating Margin	39.64%
Pretax Margin	36.53%
Profit Margin	25.53%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.13, which amounts to a dividend yield of 5.98%.

Dividend Per Share	0.13
Dividend Yield	5.98%
Dividend Growth (YoY)	160.00%
Years of Dividend Growth	1
Payout Ratio	54.09%
Buyback Yield	-0.34%
Shareholder Yield	5.70%
Earnings Yield	10.42%
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	6