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Pepper Money Ltd
(Sydney:PPM)
Pepper Money Ltd (PPM) vs. S&P 500 (SPY)
Pepper Money Ltd Business Overview & Revenue Model
Pepper Money Ltd Financial Statement Overview
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 1.58B | 417.70M | 427.80M | 771.30M | 774.10M | Gross Profit |
| 403.10M | 341.20M | 351.70M | 699.60M | 704.90M | EBIT |
| 1.29B | 153.50M | 202.20M | 520.60M | 512.00M | EBITDA |
| 1.29B | 0.00 | 0.00 | 545.10M | 536.40M | Net Income Common Stockholders |
| 98.80M | 110.70M | 141.00M | 120.80M | -29.60M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 1.24B | 1.53B | 1.24B | 1.31B | 879.80M | Total Assets |
| 17.47B | 20.21B | 19.92B | 17.27B | 14.34B | Total Debt |
| 16.47B | 19.26B | 18.98B | 16.52B | 13.66B | Net Debt |
| 15.24B | 17.73B | 17.74B | 15.21B | 12.78B | Total Liabilities |
| 16.62B | 19.34B | 18.99B | 16.53B | 13.84B | Stockholders Equity |
| 855.60M | 825.40M | 801.90M | 636.40M | 498.90M |
| Cash Flow | Free Cash Flow | |||
| 2.59B | 91.20M | -2.31B | -3.00B | -1.36B | Operating Cash Flow |
| 2.60B | 98.30M | -2.30B | -2.99B | -1.35B | Investing Cash Flow |
| -49.30M | -7.50M | -87.60M | -266.40M | -48.70M | Financing Cash Flow |
| -2.85B | 194.30M | 2.32B | 3.68B | 1.56B |
Pepper Money Ltd Technical Analysis
Pepper Money Ltd Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | AU$666.21M | 12.92 | 7.25% | 5.58% | 14.46% | -6.87% | |
65 Neutral | AU$730.41M | 7.34 | 11.75% | 7.36% | 3.70% | -10.93% | |
64 Neutral | $12.74B | 9.85 | 7.88% | 17015.07% | 12.17% | -6.02% | |
54 Neutral | AU$279.49B | 28.62 | 13.22% | 2.84% | 17.35% | 0.73% |
Pepper Money Ltd Corporate Events
Pepper Money Limited announced a change in the director’s interest, with James Desmond O’Shea acquiring 15,000 additional ordinary shares in the company through an on-market trade. This change reflects a significant increase in O’Shea’s direct holding in Pepper Money, potentially indicating confidence in the company’s future performance and strategic direction.
Pepper Money Limited has announced an on-market buy-back of its ordinary fully paid securities, as per the latest notification. This strategic move is likely aimed at optimizing the company’s capital structure and enhancing shareholder value, reflecting a proactive approach to managing its financial resources.
Pepper Money Limited has announced a plan to conduct an on-market share buy-back of up to 10% of its ordinary shares as part of its capital management strategy. This buy-back, set to commence on 8 May 2025, will be executed over a 12-month period, with the timing and volume of purchases contingent on market conditions and share price. This move is aimed at optimizing the company’s capital management, although there is no guarantee that all shares will be repurchased.
Pepper Money Limited announced a change in the director’s interest, specifically involving Mario Rehayem, who holds direct and indirect interests in the company. The changes include the acquisition and vesting of various executive rights and ordinary shares, with a notable issuance of 958,612 ordinary shares at $1.4954 per share. This adjustment in director’s interests reflects ongoing internal financial management and could influence stakeholder perceptions regarding the company’s governance and executive compensation strategies.
Pepper Money Limited has announced the application for quotation of 6,118 ordinary fully paid securities on the ASX, as part of a previously announced transaction. This move is expected to enhance the company’s market presence and provide additional capital for its operations, potentially impacting its industry positioning and offering new opportunities for stakeholders.
Pepper Money Ltd has announced a proposed issue of 6,118 ordinary fully paid securities, with the issuance date set for March 12, 2025. This move is part of the company’s strategic efforts to enhance its capital structure, potentially impacting its market positioning and offering new opportunities for stakeholders.
Pepper Money Ltd announced the quotation of 4,040,852 fully paid ordinary securities on the Australian Securities Exchange (ASX), effective March 12, 2025. This move signifies an expansion of the company’s financial instruments available to investors, potentially enhancing its market presence and offering stakeholders more opportunities for investment.
Pepper Money Ltd announced a correction to the dates of its dividend distribution for the period ending December 31, 2024. The updated record date is March 20, 2025, with the ex-date set for March 19, 2025. This update is crucial for stakeholders to ensure accurate financial planning and reflects the company’s commitment to transparent communication.
Pepper Money Limited has announced a dividend distribution of AUD 0.071 per share for its ordinary fully paid securities, relating to the financial period ending on December 31, 2024. The ex-dividend date is set for March 13, 2025, with the record date on March 14, 2025, and payment scheduled for April 18, 2025. This announcement reflects the company’s ongoing commitment to providing value to its shareholders and may enhance its attractiveness to investors seeking consistent returns.
Pepper Money Ltd has released its CY2024 Environmental, Social, and Governance (ESG) Report, emphasizing their commitment to sustainability and climate-related objectives. The report contains forward-looking statements regarding the company’s business operations and market conditions, highlighting potential risks and uncertainties that could impact their financial position. Stakeholders are advised to consider these factors when evaluating the company’s future prospects.
Pepper Money Ltd has released its Environmental, Social, and Governance (ESG) Report for 2024, outlining its strategic focus on sustainability and responsible business practices. The report highlights the company’s commitment to customer wellbeing, employee engagement, and community investment, positioning it as a responsible player in the financial services industry. This initiative is expected to enhance stakeholder trust and reinforce Pepper Money’s market positioning.
Pepper Money Limited has released its Corporate Governance Statement for 2024, highlighting its commitment to high corporate governance standards and shareholder value creation. The statement outlines the Board’s responsibilities, including overseeing company strategies, ensuring compliance with ethical standards, and keeping shareholders informed. The Board has established several committees, including a new Environmental, Social, and Governance Committee, to streamline its responsibilities and enhance corporate governance practices.
Pepper Money Limited has released its 2024 full-year results, highlighting its performance and strategic initiatives over the past year. The announcement provides insights into the company’s financial health and operational strategies, which could influence its market positioning and stakeholder interests moving forward.
Pepper Money Ltd reported a mixed financial performance for CY2024, with a 9% increase in profit pre-tax and loan loss expense, despite a 10% decline in statutory NPAT compared to the previous year. The company achieved a 16% increase in originations in the second half of 2024 compared to the first half, although full-year originations were down by 3% year-on-year. The net interest margin improved by 12 basis points to 1.97%, and the company declared a fully franked final dividend of 7.1 cents per share, reflecting a significant increase in the annualized yield. Despite challenges such as increased loan loss expenses due to late-stage arrears and insolvencies, Pepper Money remains well-funded with unrestricted cash reserves to support future growth.
Pepper Money Limited reported a decline in its financial performance for the year ended December 31, 2024, with net interest income down by 5.4% and net profit after income tax decreasing by 9.7% compared to the previous year. Despite the downturn, the company declared a final dividend of 7.1 cents per share, reflecting a commitment to returning value to shareholders. The company also highlighted its pro-forma earnings to provide a clearer picture of its underlying performance, excluding one-off acquisition costs from the previous year.