Pepper Money Limited (FRA:X95)
Germany · Delayed Price · Currency is EUR 1.080
-0.020 (-1.82%)
Last updated: Jan 28, 2026, 9:55 AM CET
Pepper Money Income Statement
Financials in millions AUD. Fiscal year is January - December.
Millions AUD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Interest and Dividend Income | 1,341 | 1,436 | 1,402 | 955.4 | 690.3 | 705.9 |
Total Interest Expense | 1,041 | 1,124 | 1,066 | 579.8 | 334 | 367.9 |
Net Interest Income | 300.1 | 312.2 | 336.1 | 375.6 | 356.3 | 338 |
Commissions and Fees | 64.7 | 65.6 | 72.2 | 71 | 59.9 | 51.3 |
Gain (Loss) on Sale of Loans & Receivables | 54.3 | 42.8 | 11.9 | 8.2 | 9.5 | 9.6 |
Other Revenue | 37.7 | 35.6 | 37.4 | 29.1 | 11.6 | 7.3 |
Revenue Before Loan Losses | 456.8 | 456.2 | 457.6 | 483.9 | 437.3 | 406.2 |
Provision for Loan Losses | 68.6 | 69.3 | 39.9 | 33.3 | 24.6 | 56.7 |
| 388.2 | 386.9 | 417.7 | 450.6 | 412.7 | 349.5 | |
Revenue Growth (YoY) | -1.67% | -7.37% | -7.30% | 9.18% | 18.08% | -43.02% |
Salaries & Employee Benefits | 124.5 | 126.3 | 128.6 | 113.9 | 98.3 | 81.7 |
Cost of Services Provided | 87.3 | 85.9 | 109.9 | 107.8 | 99.2 | 93 |
Other Operating Expenses | 3.8 | 4.1 | 3.8 | 4.7 | 4.6 | 6 |
Total Operating Expenses | 234.3 | 235.7 | 264.2 | 246.8 | 226.6 | 205.1 |
Operating Income | 153.9 | 151.2 | 153.5 | 203.8 | 186.1 | 144.4 |
EBT Excluding Unusual Items | 153.9 | 151.2 | 153.5 | 203.8 | 186.1 | 144.4 |
Gain (Loss) on Sale of Investments | -4.7 | -3.9 | -0.5 | -2.1 | 0.2 | -2.9 |
Impairment of Goodwill | -7.4 | -7.4 | -4.3 | - | - | - |
Pretax Income | 141.8 | 139.9 | 148.7 | 201.7 | 186.3 | 141.5 |
Income Tax Expense | 42.7 | 41.7 | 40 | 61.2 | 55.6 | 42.1 |
Earnings From Continuing Ops. | 99.1 | 98.2 | 108.7 | 140.5 | 130.7 | 99.4 |
Earnings From Discontinued Ops. | - | - | - | - | 182.2 | -129.4 |
Net Income to Company | 99.1 | 98.2 | 108.7 | 140.5 | 312.9 | -30 |
Minority Interest in Earnings | - | 0.6 | 2 | 0.5 | - | 0.4 |
Net Income | 99.1 | 98.8 | 110.7 | 141 | 312.9 | -29.6 |
Net Income to Common | 99.1 | 98.8 | 110.7 | 141 | 312.9 | -29.6 |
Net Income Growth | -5.08% | -10.75% | -21.49% | -54.94% | - | - |
Shares Outstanding (Basic) | 442 | 441 | 440 | 440 | 359 | 252 |
Shares Outstanding (Diluted) | 462 | 460 | 456 | 448 | 364 | 252 |
Shares Change (YoY) | 0.34% | 0.94% | 1.70% | 23.25% | 44.42% | 10.66% |
EPS (Basic) | 0.22 | 0.22 | 0.25 | 0.32 | 0.87 | -0.12 |
EPS (Diluted) | 0.22 | 0.21 | 0.24 | 0.31 | 0.86 | -0.12 |
EPS Growth | -5.21% | -11.58% | -22.54% | -63.56% | - | - |
Free Cash Flow | 1,370 | 2,599 | 98.3 | -2,298 | -2,991 | -1,347 |
Free Cash Flow Per Share | 2.97 | 5.65 | 0.22 | -5.13 | -8.22 | -5.35 |
Dividend Per Share | 0.135 | 0.121 | 0.085 | 0.105 | 0.090 | - |
Dividend Growth | 35.00% | 42.35% | -19.05% | 16.67% | - | - |
Operating Margin | 39.65% | 39.08% | 36.75% | 45.23% | 45.09% | 41.32% |
Profit Margin | 25.53% | 25.54% | 26.50% | 31.29% | 75.82% | -8.47% |
Free Cash Flow Margin | 352.81% | 671.72% | 23.53% | -509.96% | -724.62% | -385.29% |
Effective Tax Rate | 30.11% | 29.81% | 26.90% | 30.34% | 29.84% | 29.75% |
Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.