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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$1.10B. The enterprise value is AU$15.95B.
Market CapAU$1.10B
Enterprise ValueAU$15.95B
Share Statistics
Pepper Money Ltd has 444,513,430 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding444,513,430
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 5.11%.
Return on Equity (ROE)0.12
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)5.11%
Return on Capital Employed (ROCE)1.29
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 11.0. Pepper Money Ltd’s PEG ratio is -0.75.
PE Ratio11.0
PS Ratio0.39
PB Ratio0.73
Price to Fair Value0.73
Price to FCF0.24
Price to Operating Cash Flow0.82
PEG Ratio-0.75
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 Profit1.53B
Operating Income1.27B
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 1.37B and capital expenditures -500.00K, giving a free cash flow of 1.37B billion.
Operating Cash Flow1.37B
Free Cash Flow1.37B
Free Cash Flow per Share3.09
Dividends & Yields
Pepper Money Ltd pays an annual dividend of AU$0.064, resulting in a dividend yield of 11.66%
Dividend Per ShareAU$0.064
Dividend Yield11.66%
Payout Ratio60.54%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.93
52-Week Price Change82.79%
50-Day Moving Average2.25
200-Day Moving Average1.80
Relative Strength Index (RSI)40.45
Average Volume (3m)326.68K
Important Dates
Pepper Money Ltd upcoming earnings date is Feb 19, 2026, After Close (Confirmed).
Last Earnings DateAug 20, 2025
Next Earnings DateFeb 19, 2026
Ex-Dividend DateSep 11, 2025
Financial Position
Pepper Money Ltd as a current ratio of 0.08, with Debt / Equity ratio of 2074.86%
Current Ratio0.08
Quick Ratio0.08
Debt to Market Cap53.00
Net Debt to EBITDA11.81
Interest Coverage Ratio1.16
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$999.90M in cash and marketable securities with AU$16.12B in debt, giving a net cash position of -AU$15.12B billion.
Cash & Marketable SecuritiesAU$999.90M
Total DebtAU$16.12B
Net Cash-AU$15.12B
Net Cash Per Share-AU$34.02
Tangible Book Value Per ShareAU$1.65
Margins
Gross margin is 97.37%, with operating margin of 80.45%, and net profit margin of 6.25%.
Gross Margin97.37%
Operating Margin80.45%
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$2.70, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price TargetAU$2.70
Price Target Upside21.08% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast-6.49%
EPS Growth Forecast-5.40%