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Pepper Money Ltd (AU:PPM)
ASX:PPM
Total Valuation
Pepper Money Ltd has a market cap or net worth of AU$1.02B. The enterprise value is AU$17.15B.
Market CapAU$1.02B
Enterprise ValueAU$17.15B
Share Statistics
Pepper Money Ltd has 449,218,200 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding449,218,200
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 4.31%.
Return on Equity (ROE)0.12
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)4.31%
Return on Capital Employed (ROCE)1.10
Revenue Per Employee1.68M
Profits Per Employee0.00
Employee Count863
Asset Turnover0.08
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Pepper Money Ltd is 9.2. Pepper Money Ltd’s PEG ratio is 1.01.
PE Ratio9.2
PS Ratio0.66
PB Ratio1.10
Price to Fair Value1.10
Price to FCF-1.33
Price to Operating Cash Flow-1.40
PEG Ratio1.01
Income Statement
In the last 12 months, Pepper Money Ltd had revenue of 1.45B and earned 104.60M in profits. Earnings per share was 0.24.
Revenue1.45B
Gross Profit1.39B
Operating Income1.11B
Pretax Income146.50M
Net Income104.60M
EBITDA1.13B
Earnings Per Share (EPS)0.24
Cash Flow
In the last 12 months, operating cash flow was -714.80M and capital expenditures 0.00, giving a free cash flow of -711.20M billion.
Operating Cash Flow-714.80M
Free Cash Flow-711.20M
Free Cash Flow per Share-1.58
Dividends & Yields
Pepper Money Ltd pays an annual dividend of AU$0.064, resulting in a dividend yield of 11.71%
Dividend Per ShareAU$0.064
Dividend Yield11.71%
Payout Ratio60.54%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.14
52-Week Price Change82.26%
50-Day Moving Average2.15
200-Day Moving Average2.05
Relative Strength Index (RSI)50.99
Average Volume (3m)326.68K
Important Dates
Pepper Money Ltd upcoming earnings date is Aug 25, 2026, After Close (Confirmed).
Last Earnings DateFeb 18, 2026
Next Earnings DateAug 25, 2026
Ex-Dividend Date―
Financial Position
Pepper Money Ltd as a current ratio of 0.07, with Debt / Equity ratio of 2001.98%
Current Ratio0.07
Quick Ratio0.07
Debt to Market Cap36.31
Net Debt to EBITDA14.35
Interest Coverage Ratio1.15
Taxes
In the past 12 months, Pepper Money Ltd has paid 41.90M in taxes.
Income Tax41.90M
Effective Tax Rate0.29
Enterprise Valuation
Pepper Money Ltd EV to EBITDA ratio is 15.20, with an EV/FCF ratio of -23.74.
EV to Sales11.80
EV to EBITDA15.20
EV to Free Cash Flow-23.74
EV to Operating Cash Flow-23.93
Balance Sheet
Pepper Money Ltd has AU$1.27B in cash and marketable securities with AU$17.42B in debt, giving a net cash position of -AU$16.15B billion.
Cash & Marketable SecuritiesAU$1.27B
Total DebtAU$17.42B
Net Cash-AU$16.15B
Net Cash Per Share-AU$35.95
Tangible Book Value Per ShareAU$1.69
Margins
Gross margin is 96.67%, with operating margin of 76.50%, and net profit margin of 7.22%.
Gross Margin96.67%
Operating Margin76.50%
Pretax Margin10.11%
Net Profit Margin7.22%
EBITDA Margin77.64%
EBIT Margin76.50%
Analyst Forecast
The average price target for Pepper Money Ltd is AU$2.38, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price TargetAU$2.38
Price Target Upside8.83% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast-6.49%
EPS Growth Forecast-5.40%