- AU$602.80m
- AU$16.97bn
- AU$1.58bn
- 70
- 99
- 91
- 98
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | 5.78 | ||
| PEG Ratio (f) | 1.23 | ||
| EPS Growth (f) | 4.91% | ||
| Dividend Yield (f) | 9.63% | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 0.7 | ||
| Price to Tang. Book | 0.83 | ||
| Price to Free Cashflow | 0.23 | ||
| Price to Sales | 0.38 | ||
| EV to EBITDA | 88.22 | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | 0.99% | ||
| Return on Equity | 11.75% | ||
| Operating Margin | 10.95% | ||
Financial Summary
| Year End 31st Dec | Unit | 2020 | 2021 | 2022 | 2023 | 2024 | 2025E | 2026E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | AU$m | 774.12 | 771.3 | 1,063.7 | 1,523.7 | 1,580.1 | 413.45 | 446.56 | 15.2% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | +63.79 | +29.46 | +3.13 | -20.72 | -9.5 | +0.03 | +15.93 | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
Pepper Money Limited is an Australia-based non-banking lender. The Company's segments include Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment includes both residential mortgages and commercial real estate in Australia and New Zealand, and its lending comprises residential prime and non-conforming mortgages. The Asset Finance segment is engaged in the ownership of loans secured over a range of assets, including new and used cars, caravans and small commercial equipment in Australia. The Loan and Other Servicing segment include the servicing of loan portfolios for third parties conducted by the Company in Australia. The Loan and Other Servicing segment also include loan broker servicing (administration and compliance support). It has a range of product offerings, including residential home loans, asset finance, commercial real estate and novated leases in Australia and residential home loans in New Zealand.
Directors
- Michael Culhane CHM
- Mario Rehayem CEO
- Cameron Small CFO
- Matthew Chang CEX
- Paul Doddrell CEX (53)
- Richard Klemmer CEX
- David Holmes COO
- Timothy Cecil CRO
- Bernard Campbell MDR
- Todd Lawler TRS
- Sue Kent OTH
- James O Shea NED
- Matthew Burlage NID (52)
- Michael Cutter NID
- Akiko Jackson NID
- Des OShea NID
- Justine Turnbull NID
- Rob Verlander NID
- Melanie Willis NID
- Last Annual
- December 31st, 2024
- Last Interim
- December 31st, 2024
- Incorporated
- August 30th, 2000
- Public Since
- May 25th, 2021
- No. of Shareholders
- 3,083
- No. of Employees
- 1,846
- Sector
- Banking Services
- Industry
- Financials
- Exchange
Australian Stock Exchange - SEATS- Shares in Issue
- 440,000,000
- Address
- Level 27, 177 Pacific Highway, NORTH SYDNEY, 2060
- Web
- https://www.peppermoney.com.au/
- Phone
- +61 289133030
- Contact
- Catherine Buckmaster
- Auditors
- Deloitte Touche Tohmatsu
Upcoming Events for PPM
Pepper Money Ltd Annual Shareholders Meeting
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FAQ
What is the Pepper Money share price?
As of Today at 22:36 UTC, shares in Pepper Money are trading at AU$1.37. This share price information is delayed by 15 minutes.
How has the Pepper Money share price performed this year?
Shares in Pepper Money last closed at AU$1.37 and the price had moved by -8.67% over the past 365 days. In terms of relative price strength the Pepper Money share price has underperformed the ASX All Ordinaries Index by -10.03% over the past year.
What are the analyst and broker recommendations for Pepper Money?
The overall consensus recommendation for Pepper Money is Buy. You can view the full broker recommendation list by unlocking its StockReport.
Find out moreWhat is the Pepper Money dividend yield?
The Pepper Money dividend yield is 8.83% based on the trailing twelve month period.
Does Pepper Money pay a dividend?
Last year, Pepper Money paid a total dividend of AU$0.12, and it currently has a trailing dividend yield of 8.83%. We do not have any data on when Pepper Money is to next pay dividends.
When does Pepper Money next pay dividends?
We do not have data on when Pepper Money is to next pay dividends. The historic dividend yield on Pepper Money shares is currently 8.83%.
How do I buy Pepper Money shares?
To buy shares in Pepper Money you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
What is the market cap of Pepper Money?
As of the previous close price of AU$1.37, shares in Pepper Money had a market capitalisation of AU$602.80m.
Where are Pepper Money shares listed?
Here are the trading details for Pepper Money:
- Country of listing: Australia
- Exchange: ASX
- Ticker Symbol: PPM
What kind of share is Pepper Money?
Based on an overall assessment of its quality, value and momentum Pepper Money is currently classified as a Super Stock. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
Is there a Pepper Money share price forecast for 2025?
The analyst consensus target price for shares in Pepper Money is AU$1.66. That is 20.88% above the last closing price of AU$1.37.
Analysts covering Pepper Money currently have a consensus Earnings Per Share (EPS) forecast of AU$0.23 for the next financial year.
Find out moreWhat is the trend in the Pepper Money share price?
An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like Pepper Money. Over the past six months, its share price has outperformed the ASX All Ordinaries Index by +1.23%.
As of the last closing price of AU$1.37, shares in Pepper Money were trading -2.68% below their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
What is the Pepper Money PE Ratio?
The Pepper Money PE ratio based on its reported earnings over the past 12 months is 5.78. The shares last closed at AU$1.37.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
Who are the key directors of Pepper Money?
Pepper Money's management team is headed by:
- Michael Culhane - CHM
- Mario Rehayem - CEO
- Cameron Small - CFO
- Matthew Chang - CEX
- Paul Doddrell - CEX
- Richard Klemmer - CEX
- David Holmes - COO
- Timothy Cecil - CRO
- Bernard Campbell - MDR
- Todd Lawler - TRS
- Sue Kent - OTH
- James O Shea - NED
- Matthew Burlage - NID
- Michael Cutter - NID
- Akiko Jackson - NID
- Des OShea - NID
- Justine Turnbull - NID
- Rob Verlander - NID
- Melanie Willis - NID