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Peppermint Innovation Limited
(Sydney:PIL)
Peppermint Innovation Limited (PIL) vs. iShares MSCI Australia ETF (EWA)
Peppermint Innovation Limited Business Overview & Revenue Model
Peppermint Innovation Limited Financial Statement Overview
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 310.86K | 310.86K | 872.17K | 376.24K | 1.31M | 1.94M |
| Gross Profit | 118.10K | 118.10K | 474.99K | 114.72K | -251.60K | 176.79K |
| EBITDA | -2.61M | -2.61M | -3.84M | -2.41M | -3.44M | -1.85M |
| Net Income | -1.72M | -1.72M | -3.87M | -2.44M | -3.59M | -2.83M |
Balance Sheet | ||||||
| Total Assets | 933.73K | 933.73K | 1.60M | 3.46M | 5.82M | 3.60M |
| Cash, Cash Equivalents and Short-Term Investments | 479.19K | 479.19K | 1.23M | 3.06M | 5.57M | 3.45M |
| Total Debt | 421.49K | 421.49K | 0.00 | 0.00 | 0.00 | 653.24K |
| Total Liabilities | 1.90M | 1.90M | 1.14M | 799.08K | 727.74K | 1.20M |
| Stockholders Equity | -964.31K | -964.31K | 452.98K | 2.66M | 5.09M | 2.40M |
Cash Flow | ||||||
| Free Cash Flow | -2.20M | -2.20M | -3.10M | -2.63M | -3.03M | -1.87M |
| Operating Cash Flow | -2.19M | -2.19M | -3.10M | -2.63M | -3.03M | -1.87M |
| Investing Cash Flow | 258.44K | 258.44K | 258.57K | 0.00 | 336.83K | -336.83K |
| Financing Cash Flow | 1.20M | 1.20M | 1.03M | 45.00 | 5.16M | 5.06M |
Peppermint Innovation Limited Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
44 Neutral | AU$7.32M | -2.63 | ― | ― | 13.07% | 68.60% | |
42 Neutral | AU$10.04M | ― | ― | ― | -64.36% | 57.89% | |
42 Neutral | AU$4.05M | -1.45 | ― | ― | -50.39% | -74.68% | |
37 Underperform | AU$13.55M | -1.89 | -97.38% | ― | 106.21% | -60.61% | |
37 Underperform | AU$27.48M | -2.76 | ― | ― | 12.88% | -22.58% |
Peppermint Innovation Limited Corporate Events
Peppermint Innovation Limited has lodged an Appendix 3B detailing a proposed securities issue comprising up to 142,857,143 new ordinary fully paid shares, 71,428,572 free attaching options and 70,000,000 broker options, all with a proposed issue date of 19 December 2025. The placement-style raising will expand the company’s capital base and may provide additional flexibility to fund its corporate objectives, while also increasing the volume of securities on issue and potentially altering the ownership dynamics for existing and new shareholders.
Peppermint Innovation has raised A$500,000 via a discounted share placement to sophisticated and professional investors, issuing 142.9 million new shares with attaching options, to fund the expansion of its bizmoto digital wallet and payments platform in the Philippines. The capital will be deployed to accelerate rollout and adoption within the MASS-SPECC cooperative network of around 3.4 million members, before targeting the wider 13.6‑million‑member cooperative market, enhancing core transaction services such as cash-in, bill payments and QR-based merchant payments, and pursuing corporate partnerships and payment gateway opportunities aimed at boosting transaction volumes and recurring revenues.
Peppermint Innovation Limited has requested a trading halt on its securities on the ASX as it prepares for a capital raising initiative. This move signals the company’s strategic intent to secure additional funding, which could strengthen its operations and position within the financial technology sector, achieving long-term growth and providing potential benefits for its stakeholders.
Peppermint Innovation Limited (ASX: PIL) operates in the financial technology sector, offering innovative payment and remittance solutions primarily focused on markets with growing demand for such services. The company has requested a trading halt on its securities, effective immediately, pending an upcoming announcement. This move signals that significant developments or strategic decisions may be forthcoming, potentially impacting the company’s market presence or stakeholder interests.
Peppermint Innovation Limited announced the successful outcomes of its Annual General Meeting, where all resolutions were passed with unanimous support. The resolutions included the adoption of the remuneration report, re-election of a director, approval of a mandate, and ratification of prior share issues. These results reinforce the company’s strategic direction and commitment to enhancing shareholder value, potentially strengthening its position in the FinTech industry.
Peppermint Innovation Limited announced an update to correct the spelling of a name and number in a previous notification regarding the issue, conversion, or payment of unquoted equity securities. This update does not introduce new information but clarifies details from the prior announcement, ensuring accuracy in the company’s records and communications.
Peppermint Innovation Limited has announced the issuance of unquoted equity securities in the form of performance rights, which are contingent on achieving specific financial milestones by 2029. This strategic move is aimed at incentivizing performance and aligning the interests of stakeholders with the company’s growth objectives, potentially impacting its market positioning and operational dynamics.
Peppermint Innovation Limited has made significant strides in scaling its digital wallet and payments operations in the Philippines, with key developments including the launch of InstaPay and QR Ph for real-time interoperability and the completion of PESONet testing. The company received a Merchant Acquisition Licence from the Bangko Sentral ng Pilipinas, allowing it to support merchants accepting digital payments. Additionally, Peppermint is transitioning its bizmoLoan business to an AI-driven lending model, aiming to offer smarter credit solutions. The company’s partnerships with ECPay and BTI Payments have expanded its network to over 12,000 touchpoints, enhancing user accessibility. These efforts position Peppermint as a key player in the rapidly growing digital payments market in Asia, with a focus on scalability and interoperability.
Peppermint Innovation Limited has signed new partnership agreements with ECPay and BTI Payments, significantly expanding its cash-in and bill payment network across the Philippines. These partnerships provide access to nearly 9,000 retail touchpoints and over 3,100 Pay&Go kiosks, enhancing the convenience and accessibility of its Bizmoto and PCM digital wallet platforms. The expanded network supports Peppermint’s goal of increasing transaction frequency, thereby generating predictable recurring revenue and reinforcing the scalability of its platform. This strategic move strengthens Peppermint’s market positioning and offers substantial growth potential by tapping into MASS-SPECC’s 3.4 million cooperative members.
Peppermint Innovation Limited has announced its Annual General Meeting, scheduled for November 28, 2025, in West Perth, Australia. The meeting will address several key resolutions including the adoption of the Remuneration Report, re-election of Director Neal Cross, approval of a 7.1A mandate to issue additional equity securities, and ratification of prior share issues. These resolutions are significant for the company’s governance and financial strategies, potentially impacting shareholder value and company operations.
Peppermint Innovation Limited has released a presentation aimed at investors, highlighting its strategic focus on driving digital growth within the Filipino cooperative sector. The company underscores the potential risks and uncertainties associated with its forward-looking statements, emphasizing the importance of not relying solely on this information for investment decisions. The announcement reflects Peppermint Innovation’s commitment to expanding its market presence and addressing industry challenges, which could have significant implications for its operations and stakeholders.
Peppermint Innovation Ltd announced a live investor briefing webinar to be held on October 21, 2025, featuring updates from the Managing Director and CEO, Chris Kain, and Innovation Advisor, Brad Jones. This event, which includes an interactive Q&A session, aims to engage shareholders and investors, providing insights into the company’s operations and strategic direction. The webinar reflects Peppermint’s commitment to transparency and stakeholder engagement, potentially impacting its market positioning and investor relations.
Peppermint Innovation Limited has responded to a price and volume query from the ASX, stating that there is no undisclosed information that could explain recent trading activity. The company attributes the trading behavior to a market realization of its undervaluation, following a recent announcement about its successful integration of InstaPay P2P functionality on the bizmoto wallet. This integration allows real-time digital transfers and enhances operational control by eliminating third-party facilitators, thus improving transaction margins. Additionally, the company has received a Merchant Acquisition Licence from the Central Bank, which is expected to open new revenue streams and strengthen its position in the Philippine digital payments market.
Peppermint Innovation Limited has announced the quotation of 37,196,765 ordinary fully paid securities on the Australian Securities Exchange (ASX) as of September 30, 2025. This move is part of the company’s strategy to leverage its financial resources for growth and expansion, potentially impacting its market positioning and offering new opportunities for stakeholders.