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STOCKS

Pepper Money Ltd (AU:PPM)

ASX:PPM

PPM

Pepper Money Ltd

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Pepper Money Ltd (PPM) Ratios

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38 Followers

Pepper Money Ltd Ratios

AU:PPM's free cash flow for Q2 2025 was AU$1.00. For the 2025 fiscal year, AU:PPM's free cash flow was decreased by AU$ and operating cash flow was AU$2.99. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	90.64	0.07	0.08	102.39
Quick Ratio	0.00	90.64	<0.01	<0.01	6.41
Cash Ratio	0.00	89.40	0.07	0.08	6.34
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	>-0.01
Operating Cash Flow Ratio	0.00	5.75	-0.12	-0.18	-9.71
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	AU$ -16.37B	AU$ -17.80B	AU$ -17.74B	AU$ -15.21B	AU$ 365.50M
Leverage Ratios
Debt-to-Assets Ratio	0.94	0.95	0.95	0.96	0.95
Debt-to-Equity Ratio	20.75	23.33	23.67	25.95	27.37
Debt-to-Capital Ratio	0.95	0.96	0.96	0.96	0.96
Long-Term Debt-to-Capital Ratio	0.95	0.96	0.96	0.96	0.96
Financial Leverage Ratio	22.07	24.48	24.84	27.13	28.73
Debt Service Coverage Ratio	0.00	-0.04	-0.11	0.00	0.00
Interest Coverage Ratio	0.00	0.14	0.35	-	-
Debt to Market Cap	14.89	33.70	30.40	21.28	11.91
Interest Debt Per Share	34.85	43.75	44.49	45.96	31.07
Net Debt to EBITDA	12.51	0.00	0.00	27.90	23.82
Profitability Margins
Gross Profit Margin	97.37%	81.69%	82.21%	90.70%	91.06%
EBIT Margin	123.41%	-5.24%	-4.77%	67.50%	66.14%
EBITDA Margin	125.35%	0.00%	0.00%	70.67%	69.29%
Operating Profit Margin	73.79%	36.75%	47.27%	67.50%	66.14%
Pretax Profit Margin	14.70%	35.60%	47.15%	24.15%	18.28%
Net Profit Margin	10.27%	26.50%	32.96%	15.66%	-3.82%
Continuous Operations Profit Margin	10.27%	26.02%	32.84%	16.95%	12.84%
Net Income Per EBT	69.89%	74.45%	69.91%	64.84%	-20.92%
EBT Per EBIT	19.92%	96.87%	99.75%	35.79%	27.64%
Return on Assets (ROA)	0.58%	0.55%	0.71%	0.70%	-0.21%
Return on Equity (ROE)	12.14%	13.41%	17.58%	18.98%	-5.93%
Return on Capital Employed (ROCE)	4.15%	0.76%	21.82%	70.37%	3.61%
Return on Invested Capital (ROIC)	2.90%	0.55%	-0.80%	-2.41%	2.53%
Return on Tangible Assets	0.58%	0.55%	0.71%	0.70%	-0.21%
Earnings Yield	8.78%	19.37%	22.59%	15.56%	-2.58%
Efficiency Ratios
Receivables Turnover	58.45	19.70	41.53	82.05	146.06
Payables Turnover	0.00	4.47	5.68	6.40	4.87
Inventory Turnover	0.00	0.00	0.06	0.05	<0.01
Fixed Asset Turnover	43.64	13.05	22.52	116.86	56.92
Asset Turnover	0.06	0.02	0.02	0.04	0.05
Working Capital Turnover Ratio	-0.13	-0.05	-0.03	-1.35	0.10
Cash Conversion Cycle	6.24	-63.06	5.96K	6.66K	70.14K
Days of Sales Outstanding	6.24	18.53	8.79	4.45	2.50
Days of Inventory Outstanding	0.00	0.00	6.01K	6.71K	70.21K
Days of Payables Outstanding	0.00	81.59	64.27	57.02	74.90
Operating Cycle	6.24	18.53	6.02K	6.72K	70.22K
Cash Flow Ratios
Operating Cash Flow Per Share	2.96	0.21	-5.23	-8.32	-3.06
Free Cash Flow Per Share	2.97	0.20	-5.25	-8.35	-3.09
CapEx Per Share	<0.01	0.02	0.02	0.03	0.03
Free Cash Flow to Operating Cash Flow	1.00	0.93	1.00	1.00	1.01
Dividend Paid and CapEx Coverage Ratio	25.32	2.19	-31.26	-296.09	-113.16
Capital Expenditure Coverage Ratio	2.74K	13.85	-225.28	-296.09	-113.16
Operating Cash Flow Coverage Ratio	0.08	<0.01	-0.12	-0.18	-0.10
Operating Cash Flow to Sales Ratio	1.42	0.24	-5.37	-3.88	-1.74
Free Cash Flow Yield	126.75%	15.96%	-369.72%	-386.52%	-118.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.39	5.16	4.43	6.43	-38.75
Price-to-Sales (P/S) Ratio	1.12	1.37	1.46	1.01	1.48
Price-to-Book (P/B) Ratio	1.45	0.69	0.78	1.22	2.30
Price-to-Free Cash Flow (P/FCF) Ratio	0.79	6.27	-0.27	-0.26	-0.84
Price-to-Operating Cash Flow Ratio	0.82	5.81	-0.27	-0.26	-0.85
Price-to-Earnings Growth (PEG) Ratio	0.11	-0.21	-0.92	-0.01	0.04
Price-to-Fair Value	1.45	0.69	0.78	1.22	2.30
Enterprise Value Multiple	13.40	0.00	0.00	29.32	25.96
Enterprise Value	16.20B	18.30B	18.36B	15.98B	13.92B
EV to EBITDA	13.40	0.00	0.00	29.32	25.96
EV to Sales	16.80	43.81	42.92	20.72	17.99
EV to Free Cash Flow	11.81	200.65	-7.95	-5.33	-10.25
EV to Operating Cash Flow	11.83	186.16	-7.99	-5.35	-10.34
Tangible Book Value Per Share	1.41	1.55	1.76	1.97	1.05
Shareholders’ Equity Per Share	1.68	1.78	1.82	1.77	1.14
Tax and Other Ratios
Effective Tax Rate	0.30	0.27	0.30	0.30	0.30
Revenue Per Share	2.08	0.90	0.97	2.15	1.76
Net Income Per Share	0.21	0.24	0.32	0.34	-0.07
Tax Burden	0.70	0.74	0.70	0.65	-0.21
Interest Burden	0.12	-6.79	-9.89	0.36	0.28
Research & Development to Revenue	0.03	0.00	0.06	0.00	0.00
SG&A to Revenue	0.05	0.33	0.29	0.00	0.00
Stock-Based Compensation to Revenue	0.01	0.05	0.04	0.02	0.00
Income Quality	13.82	0.89	-16.30	-22.88	-13.49

Currency in AUD