Pepper Money Ltd (ppm) Logo

Pepper Money Ltd (PPM)

___:___ · Financial Services
ASX Delayed
Cboe Live

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VOLUME
DIV YIELD
PE RATIO
1 YR RETURN
52 WEEK RANGE
Overview
Financials
News
Announcements
12/2025
12/2024
12/2023
12/2022
12/2021
12/2020
N/A
N/A
N/A
N/A
Profitability
NPAT ($M) 104.6 98.8 Membership required Membership required Membership required Membership required - - - -
NPAT Margin - - Membership required Membership required Membership required Membership required - - - -
Abnormals ($M) - (7.4) Membership required Membership required Membership required Membership required - - - -
NPAT before Abnormals ($M) 104.6 106.2 Membership required Membership required Membership required Membership required - - - -
Return on Equity (ROE) 12.02% 12.40% Membership required Membership required Membership required Membership required - - - -
Return on Assets (ROA) 0.57% 0.61% Membership required Membership required Membership required Membership required - - - -
Valuation
PE Ratio 9.54 6.12 Membership required Membership required Membership required Membership required - - - -
PE Relative to Market 57.7% 45.2% Membership required Membership required Membership required Membership required - - - -
Price to Book 1.10 0.72 Membership required Membership required Membership required Membership required - - - -
Price to Cash Flow 0.00 0.00 Membership required Membership required Membership required Membership required - - - -
Shares Outstanding (M) 444.50 440.00 Membership required Membership required Membership required Membership required - - - -
Market Cap ($M) $960.12 $618.20 Membership required Membership required Membership required Membership required - - - -
Enterprise Value ($M) - - Membership required Membership required Membership required Membership required - - - -
Performance
Total Shareholder Return 86.8% 22.1% Membership required Membership required Membership required Membership required - - - -
Relative to Market 77.1% 9.9% Membership required Membership required Membership required Membership required - - - -
Per Share
Earnings (EPS Adjusted) 22.63 21.34 Membership required Membership required Membership required Membership required - - - -
Earnings (with Abnormals) 22.63 22.94 Membership required Membership required Membership required Membership required - - - -
Cash Flow (154.70) 561.30 Membership required Membership required Membership required Membership required - - - -
Cash 0.00 0.00 Membership required Membership required Membership required Membership required - - - -
Net Tangible Assets 0.00 0.00 Membership required Membership required Membership required Membership required - - - -
Book Value 1.96 1.94 Membership required Membership required Membership required Membership required - - - -
Share Price $2.16 $1.41 Membership required Membership required Membership required Membership required - - - -
Dividends
DPS (c) 26.70 12.10 Membership required Membership required Membership required Membership required - - - -
Dividend yield 12.36% 8.61% Membership required Membership required Membership required Membership required - - - -
Franking 100% 100% Membership required Membership required Membership required Membership required - - - -
Gross DPS (c) 38.14 17.29 Membership required Membership required Membership required Membership required - - - -
Gross Dividend Yield 17.66% 12.30% Membership required Membership required Membership required Membership required - - - -
Payout Ratio 118% 53% Membership required Membership required Membership required Membership required - - - -
Membership required
Member Content
Source:
Morningstar Logo
12/2025
AUD $M
12/2024
AUD $M
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
12/2020
AUD $M
N/A
N/A
N/A
N/A
Revenue
Interest Income 1,275.6 1,436.1 Membership required Membership required Membership required Membership required - - - -
Interest Expenses (940) (1,094.7) Membership required Membership required Membership required Membership required - - - -
Net Interest Income 335.6 341.4 Membership required Membership required Membership required Membership required - - - -
Provision Doubtful Debts (90.6) (69.3) Membership required Membership required Membership required Membership required - - - -
Net Interest Income Less Prov. 245 272.1 Membership required Membership required Membership required Membership required - - - -
Non Interest Income 170.5 140.1 Membership required Membership required Membership required Membership required - - - -
Total Operating Income 415.5 412.2 Membership required Membership required Membership required Membership required - - - -
Expenses
Non Interest Expenses (269) (264.9) Membership required Membership required Membership required Membership required - - - -
Pre-Tax Profit 146.5 147.3 Membership required Membership required Membership required Membership required - - - -
Tax Expense (41.9) (41.7) Membership required Membership required Membership required Membership required - - - -
Outside Equity - 0.6 Membership required Membership required Membership required Membership required - - - -
Ordinary Dividends (63.1) (53.3) Membership required Membership required Membership required Membership required - - - -
Preference Dividends - - Membership required Membership required Membership required Membership required - - - -
NPAT before Abs 104.6 106.2 Membership required Membership required Membership required Membership required - - - -
Abnormal - (7.4) Membership required Membership required Membership required Membership required - - - -
Abnormals Tax - - Membership required Membership required Membership required Membership required - - - -
Net Abnormals - (7.4) Membership required Membership required Membership required Membership required - - - -
Reported NPAT after Abs 104.6 98.8 Membership required Membership required Membership required Membership required - - - -
Equity
Share End 444.5 440 Membership required Membership required Membership required Membership required - - - -
Share Weighted 462.22 462.98 Membership required Membership required Membership required Membership required - - - -
EPS Adjusted 0.23 0.23 Membership required Membership required Membership required Membership required - - - -
EPS after Abs 0.23 0.21 Membership required Membership required Membership required Membership required - - - -
Forex Gain - - Membership required Membership required Membership required Membership required - - - -
Equity Profit / Loss - - Membership required Membership required Membership required Membership required - - - -
Membership required
Member Content
Source:
Morningstar Logo
12/2025
AUD $M
12/2024
AUD $M
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
12/2020
AUD $M
N/A
N/A
N/A
N/A
Assets
Short Term Money 1,267 1,226.2 Membership required Membership required Membership required Membership required - - - -
Investment Securities 15.2 15.3 Membership required Membership required Membership required Membership required - - - -
Due from Banks - - Membership required Membership required Membership required Membership required - - - -
Loans 16,854 15,991.8 Membership required Membership required Membership required Membership required - - - -
Total Earning Assets 18,136.2 17,233.3 Membership required Membership required Membership required Membership required - - - -
Customer Acceptance - - Membership required Membership required Membership required Membership required - - - -
Fixed Assets 18.9 25.4 Membership required Membership required Membership required Membership required - - - -
Other Non-Earning Assets 244.6 213.7 Membership required Membership required Membership required Membership required - - - -
Total Non-Earning Assets 263.5 239.1 Membership required Membership required Membership required Membership required - - - -
Total Assets 18,399.7 17,472.4 Membership required Membership required Membership required Membership required - - - -
Liabilities
Due to Banks - - Membership required Membership required Membership required Membership required - - - -
Bank Acceptance - - Membership required Membership required Membership required Membership required - - - -
Deposits - - Membership required Membership required Membership required Membership required - - - -
Provisions 45.6 40.2 Membership required Membership required Membership required Membership required - - - -
Bonds 17,372.4 16,467.4 Membership required Membership required Membership required Membership required - - - -
Other Liabilities 111.8 109.2 Membership required Membership required Membership required Membership required - - - -
Total Liabilities 17,529.8 16,616.8 Membership required Membership required Membership required Membership required - - - -
Net Assets 869.9 855.6 Membership required Membership required Membership required Membership required - - - -
Equity
Outside Equity - - Membership required Membership required Membership required Membership required - - - -
Capital 738 730.7 Membership required Membership required Membership required Membership required - - - -
Reserves Excl. Share Premiums 42.4 24.6 Membership required Membership required Membership required Membership required - - - -
Share Premium Reserves - - Membership required Membership required Membership required Membership required - - - -
Retained Profits 89.5 100.3 Membership required Membership required Membership required Membership required - - - -
Other Equity - - Membership required Membership required Membership required Membership required - - - -
Convertible Equity - - Membership required Membership required Membership required Membership required - - - -
Membership required
Member Content
Source:
Morningstar Logo
12/2025
AUD $M
12/2024
AUD $M
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
12/2020
AUD $M
N/A
N/A
N/A
N/A
Operating Activities
Interest Received 1,232.5 1,407.9 Membership required Membership required Membership required Membership required - - - -
Interest Paid (937.3) (1,108.2) Membership required Membership required Membership required Membership required - - - -
Dividends Received - - Membership required Membership required Membership required Membership required - - - -
Tax Paid (59) (43) Membership required Membership required Membership required Membership required - - - -
Other (951) 2,342.2 Membership required Membership required Membership required Membership required - - - -
Net Operating Cashflow (714.8) 2,598.9 Membership required Membership required Membership required Membership required - - - -
Investing Activities
Purchased PP&E (5.7) (7.4) Membership required Membership required Membership required Membership required - - - -
Proceeds from PP&E - - Membership required Membership required Membership required Membership required - - - -
Purchased Investments - (0.2) Membership required Membership required Membership required Membership required - - - -
Proceeds from Investments - - Membership required Membership required Membership required Membership required - - - -
Purchased Subsidiary - (41.7) Membership required Membership required Membership required Membership required - - - -
Proceeds from Subsidiary - - Membership required Membership required Membership required Membership required - - - -
Loans Granted - - Membership required Membership required Membership required Membership required - - - -
Loans Repaid - - Membership required Membership required Membership required Membership required - - - -
Other - - Membership required Membership required Membership required Membership required - - - -
Net Investing Cashflow (5.7) (49.3) Membership required Membership required Membership required Membership required - - - -
Financing Activities
Proceeds from Issues - - Membership required Membership required Membership required Membership required - - - -
Proceeds from Borrowings 12,640.2 8,489.1 Membership required Membership required Membership required Membership required - - - -
Payments of Borrowings (11,763.1) (11,294.8) Membership required Membership required Membership required Membership required - - - -
Dividends Paid (115.4) (44.1) Membership required Membership required Membership required Membership required - - - -
Other (0.4) (2.3) Membership required Membership required Membership required Membership required - - - -
Net Financing Cashflow 761.3 (2,852.1) Membership required Membership required Membership required Membership required - - - -
Total Net Cashflow 40.8 (302.5) Membership required Membership required Membership required Membership required - - - -
Cash
Cash Begin 1,226.2 1,528.7 Membership required Membership required Membership required Membership required - - - -
Exchange Rate Adjustment - - Membership required Membership required Membership required Membership required - - - -
Cash End 1,267 1,226.2 Membership required Membership required Membership required Membership required - - - -
Membership required
Member Content
Source:
Morningstar Logo