Education
About Us
Working with TipRanks
Follow Us
Pepper Money Ltd (AU:PPM)
ASX:PPM
Total Valuation
Pepper Money Ltd has a market cap or net worth of AU$810.09M. The enterprise value is AU$18.36B.
Market CapAU$810.09M
Enterprise ValueAU$18.36B
Share Statistics
Pepper Money Ltd has 443,885,220 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding443,885,220
Owned by Insiders0.92%
Owned by Institutions―
Financial Efficiency
Pepper Money Ltd’s return on equity (ROE) is 0.12 and return on invested capital (ROIC) is 2.67%.
Return on Equity (ROE)0.12
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)2.67%
Return on Capital Employed (ROCE)0.07
Revenue Per Employee1.83M
Profits Per Employee0.00
Employee Count863
Asset Turnover0.09
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Pepper Money Ltd is 6.29. Pepper Money Ltd’s PEG ratio is -0.92.
PE Ratio6.29
PS Ratio0.00
PB Ratio0.78
Price to Fair Value0.73
Price to FCF-0.27
Price to Operating Cash Flow-0.27
PEG Ratio-0.92
Income Statement
In the last 12 months, Pepper Money Ltd had revenue of 1.58B and earned 98.80M in profits. Earnings per share was 0.22.
Revenue1.58B
Gross Profit403.10M
Operating Income1.29B
Pretax Income139.90M
Net Income98.80M
EBITDA1.29B
Earnings Per Share (EPS)0.22
Cash Flow
In the last 12 months, operating cash flow was 2.60B and capital expenditures 0.00, giving a free cash flow of 2.60B billion.
Operating Cash Flow2.60B
Free Cash Flow2.60B
Free Cash Flow per Share5.85
Dividends & Yields
Pepper Money Ltd pays an annual dividend of AU$0.125, resulting in a dividend yield of 5.48%
Dividend Per ShareAU$0.125
Dividend Yield5.48%
Payout Ratio23.26%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.08
52-Week Price Change45.60%
50-Day Moving Average1.61
200-Day Moving Average1.34
Relative Strength Index (RSI)63.56
Average Volume (3m)311.41K
Important Dates
Pepper Money Ltd upcoming earnings date is Aug 28, 2025, After Close (Confirmed).
Last Earnings DateFeb 26, 2025
Next Earnings DateAug 28, 2025
Ex-Dividend DateJun 10, 2025
Financial Position
Pepper Money Ltd as a current ratio of 0.00, with Debt / Equity ratio of 2366.78%
Current Ratio0.00
Quick Ratio0.00
Debt to Market Cap26.50
Net Debt to EBITDA11.81
Interest Coverage Ratio1.18
Taxes
In the past 12 months, Pepper Money Ltd has paid 41.70M in taxes.
Income Tax41.70M
Effective Tax Rate0.30
Enterprise Valuation
Pepper Money Ltd EV to EBITDA ratio is 12.29, with an EV/FCF ratio of 6.12.
EV to Sales10.04
EV to EBITDA12.29
EV to Free Cash Flow6.12
EV to Operating Cash Flow6.10
Balance Sheet
Pepper Money Ltd has AU$1.24B in cash and marketable securities with AU$16.47B in debt, giving a net cash position of AU$15.23B billion.
Cash & Marketable SecuritiesAU$1.24B
Total DebtAU$16.47B
Net CashAU$15.23B
Net Cash Per ShareAU$34.30
Tangible Book Value Per ShareAU$1.65
Margins
Gross margin is 82.21%, with operating margin of 81.68%, and net profit margin of 6.25%.
Gross Margin82.21%
Operating Margin81.68%
Pretax Margin8.85%
Net Profit Margin6.25%
EBITDA Margin81.68%
EBIT Margin80.45%
Analyst Forecast
The average price target for Pepper Money Ltd is AU$1.75, which is 11.43% higher than the current price. The consensus rating is Hold
Price TargetAU$1.75
Price Target Upside-3.85% Downside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast3.70%
EPS Growth Forecast-10.93%