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Pepper Money Ltd (AU:PPM)
ASX:PPM
Australian Market

Pepper Money Ltd (PPM) Ratios

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Pepper Money Ltd Ratios

AU:PPM's free cash flow for Q4 2024 was AU$0.97. For the 2024 fiscal year, AU:PPM's free cash flow was decreased by AU$ and operating cash flow was AU$0.81. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.07 90.64 0.07 0.08 102.39
Quick Ratio
<0.01 90.64 <0.01 <0.01 6.41
Cash Ratio
0.07 89.40 0.07 0.08 6.34
Solvency Ratio
<0.01 <0.01 <0.01 <0.01 >-0.01
Operating Cash Flow Ratio
-0.12 5.75 -0.12 -0.18 -9.71
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
AU$ -17.74BAU$ -17.80BAU$ -17.74BAU$ -15.21BAU$ 365.50M
Leverage Ratios
Debt-to-Assets Ratio
0.95 0.95 0.95 0.96 0.95
Debt-to-Equity Ratio
23.67 23.33 23.67 25.95 27.37
Debt-to-Capital Ratio
0.96 0.96 0.96 0.96 0.96
Long-Term Debt-to-Capital Ratio
0.96 0.96 0.96 0.96 0.96
Financial Leverage Ratio
24.84 24.48 24.84 27.13 28.73
Debt Service Coverage Ratio
-0.11 -0.04 -0.11 0.00 0.00
Interest Coverage Ratio
0.35 0.14 0.35--
Debt to Market Cap
30.40 33.70 30.40 21.28 11.91
Interest Debt Per Share
44.49 43.75 44.49 45.96 31.07
Net Debt to EBITDA
0.00 0.00 0.00 27.90 23.82
Profitability Margins
Gross Profit Margin
82.21%81.69%82.21%90.70%91.06%
EBIT Margin
-4.77%-5.24%-4.77%67.50%66.14%
EBITDA Margin
0.00%0.00%0.00%70.67%69.29%
Operating Profit Margin
47.27%36.75%47.27%67.50%66.14%
Pretax Profit Margin
47.15%35.60%47.15%24.15%18.28%
Net Profit Margin
32.96%26.50%32.96%15.66%-3.82%
Continuous Operations Profit Margin
32.84%26.02%32.84%16.95%12.84%
Net Income Per EBT
69.91%74.45%69.91%64.84%-20.92%
EBT Per EBIT
99.75%96.87%99.75%35.79%27.64%
Return on Assets (ROA)
0.71%0.55%0.71%0.70%-0.21%
Return on Equity (ROE)
17.58%13.41%17.58%18.98%-5.93%
Return on Capital Employed (ROCE)
21.82%0.76%21.82%70.37%3.61%
Return on Invested Capital (ROIC)
-0.80%0.55%-0.80%-2.41%2.53%
Return on Tangible Assets
0.71%0.55%0.71%0.70%-0.21%
Earnings Yield
22.59%19.37%22.59%15.56%-2.58%
Efficiency Ratios
Receivables Turnover
41.53 19.70 41.53 82.05 146.06
Payables Turnover
5.68 4.47 5.68 6.40 4.87
Inventory Turnover
0.06 0.00 0.06 0.05 <0.01
Fixed Asset Turnover
22.52 13.05 22.52 116.86 56.92
Asset Turnover
0.02 0.02 0.02 0.04 0.05
Working Capital Turnover Ratio
-0.03 -0.05 -0.03 -1.35 0.10
Cash Conversion Cycle
5.96K -63.06 5.96K 6.66K 70.14K
Days of Sales Outstanding
8.79 18.53 8.79 4.45 2.50
Days of Inventory Outstanding
6.01K 0.00 6.01K 6.71K 70.21K
Days of Payables Outstanding
64.27 81.59 64.27 57.02 74.90
Operating Cycle
6.02K 18.53 6.02K 6.72K 70.22K
Cash Flow Ratios
Operating Cash Flow Per Share
-5.23 0.21 -5.23 -8.32 -3.06
Free Cash Flow Per Share
-5.25 0.20 -5.25 -8.35 -3.09
CapEx Per Share
0.02 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
-31.26 2.19 -31.26 -296.09 -113.16
Capital Expenditure Coverage Ratio
-225.28 13.85 -225.28 -296.09 -113.16
Operating Cash Flow Coverage Ratio
-0.12 <0.01 -0.12 -0.18 -0.10
Operating Cash Flow to Sales Ratio
-5.37 0.24 -5.37 -3.88 -1.74
Free Cash Flow Yield
-369.72%15.96%-369.72%-386.52%-118.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
4.43 5.16 4.43 6.43 -38.75
Price-to-Sales (P/S) Ratio
1.46 1.37 1.46 1.01 1.48
Price-to-Book (P/B) Ratio
0.78 0.69 0.78 1.22 2.30
Price-to-Free Cash Flow (P/FCF) Ratio
-0.27 6.27 -0.27 -0.26 -0.84
Price-to-Operating Cash Flow Ratio
-0.27 5.81 -0.27 -0.26 -0.85
Price-to-Earnings Growth (PEG) Ratio
-0.92 -0.21 -0.92 -0.01 0.04
Price-to-Fair Value
0.78 0.69 0.78 1.22 2.30
Enterprise Value Multiple
0.00 0.00 0.00 29.32 25.96
Enterprise Value
18.36B 18.30B 18.36B 15.98B 13.92B
EV to EBITDA
0.00 0.00 0.00 29.32 25.96
EV to Sales
42.92 43.81 42.92 20.72 17.99
EV to Free Cash Flow
-7.95 200.65 -7.95 -5.33 -10.25
EV to Operating Cash Flow
-7.99 186.16 -7.99 -5.35 -10.34
Tangible Book Value Per Share
1.76 1.55 1.76 1.97 1.05
Shareholders’ Equity Per Share
1.82 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
0.97 0.90 0.97 2.15 1.76
Net Income Per Share
0.32 0.24 0.32 0.34 -0.07
Tax Burden
0.70 0.74 0.70 0.65 -0.21
Interest Burden
-9.89 -6.79 -9.89 0.36 0.28
Research & Development to Revenue
0.06 0.00 0.06 0.00 0.00
SG&A to Revenue
0.29 0.33 0.29 0.00 0.00
Stock-Based Compensation to Revenue
0.04 0.05 0.04 0.02 0.00
Income Quality
-16.30 0.89 -16.30 -22.88 -13.49
Currency in AUD
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