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Pepper Money Ltd (AU:PPM)
:PPM
Total Valuation
Pepper Money Ltd has a market cap or net worth of AU$829.94M. The enterprise value is ―.
Market CapAU$829.94M
Enterprise Value―
Share Statistics
Pepper Money Ltd has 443,820,620 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding443,820,620
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 -1.75.
PE Ratio6.29
PS Ratio0.00
PB Ratio0.84
Price to Fair Value0.73
Price to FCF0.28
Price to Operating Cash Flow0.28
PEG Ratio-1.75
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 Share5.86
Dividends & Yields
Pepper Money Ltd pays an annual dividend of AU$0.246, resulting in a dividend yield of 6.47%
Dividend Per ShareAU$0.246
Dividend Yield6.47%
Payout Ratio33.02%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.05
52-Week Price Change46.09%
50-Day Moving Average1.54
200-Day Moving Average1.38
Relative Strength Index (RSI)73.67
Average Volume (3m)353.56K
Important Dates
Pepper Money Ltd upcoming earnings date is Aug 26, 2025, TBA Not Confirmed.
Last Earnings DateFeb 26, 2025
Next Earnings DateAug 26, 2025
Ex-Dividend DateJun 10, 2025
Financial Position
Pepper Money Ltd as a current ratio of 0.00, with Debt / Equity ratio of 1924.66%
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$34.31
Tangible Book Value Per ShareAU$1.65
Margins
Gross margin is 96.91%, with operating margin of 81.68%, and net profit margin of 6.25%.
Gross Margin96.91%
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$1.63, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price TargetAU$1.63
Price Target Upside-12.83% Downside
Analyst ConsensusModerate Buy
Analyst Count0
Revenue Growth Forecast3.70%
EPS Growth Forecast-10.93%