Peppermint Innovation Limited (PIL) AI Stock Analysis

• Market Cap: AU$5.75M
• Dividend Yield: N/A
• Average Volume (3M): 10.74M
• Price to Earnings (P/E): ―
• Beta (1Y): -0.52
• Revenue Growth: 205.01%
• EPS Growth: -28.57%
• Country: AU
• Employees: N/A
• Sector: Technology
• Sector Strength: 94
• Industry: Software - Infrastructure
• EPS (TTM): >-0.01
• Shares Outstanding: 2,301,089,800
• 10 Day Avg. Volume: 10,739,140
• 30 Day Avg. Volume: 10,739,140
• PEG Ratio: 0.17
• Price to Book (P/B): -7.73
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.57
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 21 Underperform
• Price Target: ―

Peppermint Innovation Limited scores low overall due to its precarious financial position, marked by declining revenues and negative cash flows. The absence of technical analysis data further complicates any assessment of market trends. Despite the lack of debt, the company's financial instability and poor valuation metrics make it a risky investment.

Peppermint Innovation Limited Business Overview & Revenue Model

Company Description

Peppermint Innovation Limited (PIL) is a technology-focused company primarily operating within the financial services sector. It specializes in providing mobile banking, micro-enterprise, and remittance solutions. PIL's core products and services are designed to empower underserved communities by offering accessible and efficient digital financial services that enhance financial inclusion and economic empowerment.

How the Company Makes Money

Peppermint Innovation Limited makes money through its various digital financial services, which include mobile banking and payment solutions, micro-enterprise platforms, and remittance services. The company generates revenue by charging transaction fees for its payment and remittance services and through subscription or usage fees for its micro-enterprise platforms. Additionally, PIL may earn money by partnering with financial institutions and other businesses to expand its customer base and offer co-branded services. These partnerships can also provide opportunities for revenue sharing or licensing agreements, contributing to the company's earnings.

Peppermint Innovation Limited Financial Statement Overview

Summary

Peppermint Innovation Limited faces significant financial challenges, characterized by declining revenues, consistent losses, and negative cash flows. The company's lack of debt is a positive aspect, but the diminishing equity and poor cash generation raise concerns about future sustainability and growth potential.

Income Statement

Peppermint Innovation Limited has experienced declining revenue over the years, with a significant revenue drop from 2020 to 2023. The company consistently reports negative gross and net profit margins, indicating that it is not operating profitably. The EBIT and EBITDA margins are also negative, signifying ongoing operational challenges.

Balance Sheet

The company's balance sheet shows a relatively low level of total assets with no debt, indicating conservative financial management. However, the stockholders' equity has been decreasing significantly, and the equity ratio is low. This suggests potential risks related to financial health and sustainability.

Cash Flow

Peppermint Innovation Limited consistently reports negative operating and free cash flows, indicating challenges in generating cash from operations. Although there was some financing inflow, the company's cash flow remains insufficient to cover operational needs, highlighting liquidity concerns.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	872.17K	376.24K	1.31M	1.94M	2.79M
Gross Profit	474.99K	114.72K	-251.60K	176.79K	140.95K
EBITDA	-3.84M	-2.41M	-3.44M	-1.85M	-1.24M
Net Income	-3.87M	-2.44M	-3.59M	-2.83M	-1.69M
Balance Sheet
Total Assets	1.60M	3.46M	5.82M	3.60M	440.51K
Cash, Cash Equivalents and Short-Term Investments	1.23M	3.06M	5.57M	3.45M	261.43K
Total Debt	0.00	0.00	0.00	653.24K	1.79M
Total Liabilities	1.14M	799.08K	727.74K	1.20M	2.43M
Stockholders Equity	452.98K	2.66M	5.09M	2.40M	-1.99M
Cash Flow
Free Cash Flow	-3.10M	-2.63M	-3.03M	-1.87M	-1.66M
Operating Cash Flow	-3.10M	-2.63M	-3.03M	-1.87M	-1.66M
Investing Cash Flow	258.57K	0.00	336.83K	-336.83K	650.00K
Financing Cash Flow	1.03M	45.00	5.16M	5.06M	1.19M

Peppermint Innovation Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EML	62 Neutral	$420.88M	35.29	7.22%	―	-27.00%	―
Sector *	50 Neutral	AU$1.52B	1.95	-31.50%	3.09%	16.21%	-7.40%
FCT	49 Neutral	AU$30.84M	―	-54.77%	―	-14.50%	-77.33%
SEN	41 Neutral	AU$29.81M	―	-31.58%	―	22.29%	64.62%
BRN	41 Neutral	$400.81M	―	-133.28%	―	72.47%	20.08%
NOV	39 Underperform	$11.41M	―	-1494.40%	―	17.53%	58.35%
PIL	21 Underperform	AU$5.75M	―	-1051.45%	―	205.01%	-28.57%

Peppermint Innovation Limited Corporate Events

Peppermint Innovation Ltd Reports Strong Growth and Strategic Partnerships in Q1 2025

Peppermint Innovation Ltd reported significant growth in user engagement and transaction volume for its Pinoy Coop Mobile platform, with registered users increasing by 184% and transaction volume by 102% since the previous quarter. The company also achieved record growth in loan approvals and strengthened its strategic partnerships with major Philippine financial institutions, positioning itself for further expansion and enhancing its digital financial ecosystem. Infrastructure improvements, including cloud migration and security enhancements, have bolstered the company’s operational capabilities, supporting its growth and commitment to delivering value to stakeholders.

Peppermint Innovation Limited Announces Quotation of New Securities

Peppermint Innovation Limited has announced the quotation of 26,160,156 ordinary fully paid securities on the Australian Securities Exchange (ASX) as of April 10, 2025. This move is part of the company’s strategy to strengthen its market position and potentially increase its capital base, which could have significant implications for its growth and stakeholder value.

Peppermint Innovation Updates Financial Disclosure for December 2024 Quarter

Peppermint Innovation Limited announced an amendment to its December 2024 quarterly cash flow report, highlighting additional disclosures related to a convertible note facility with Obsidian Global GP, LLC. This oversight in the previous report has been rectified, ensuring transparency and compliance in financial reporting, which is crucial for maintaining stakeholder trust and aligning with market regulations.

Peppermint Innovation Limited Announces Quotation of New Securities

Peppermint Innovation Limited announced the application for the quotation of 30,389,964 fully paid ordinary securities on the Australian Securities Exchange (ASX). This move is part of the company’s strategy to leverage its financial resources and expand its market presence, potentially impacting its operational capabilities and stakeholder interests positively.

Peppermint Innovation Reports Decreased Revenue and Net Loss for Half-Year 2024

Peppermint Innovation Limited reported a decrease in revenue and net loss for the half-year ending December 31, 2024, with revenue down by 19% to $132,000 and net loss reduced by 59% to $826,000. The company lost control over Peppermint Intelligence Ltd and Peppermint Intelligence Pty Ltd, which contributed to a profit from discontinued operations. No dividends were declared or paid during this period.

Peppermint Innovation Expands ASX Quotation with New Securities

Peppermint Innovation Limited announced the quotation of 22,230,921 new ordinary fully paid securities on the Australian Securities Exchange as of February 7, 2025. This move may enhance the company’s market presence and potentially provide more liquidity and investment opportunities for stakeholders.