PPM.ASX
Pepper Money Ltd
https://www.marketindex.com.au/asx/ppm/financials
Annual Financial Summary
Print Financials
12/2023
12/2022
12/2021
12/2020
N/A
N/A
N/A
N/A
N/A
N/A
Profitability
NPAT ($M)
110.7
141
-
-
-
-
-
-
NPAT Margin
-
-
-
-
-
-
-
-
Abnormals ($M)
(7.6)
-
-
-
-
-
-
-
NPAT before Abnormals ($M)
117.4
141
-
-
-
-
-
-
Return on Equity (ROE)
14.19%
17.57%
-
-
-
-
-
-
Return on Assets (ROA)
0.58%
0.71%
-
-
-
-
-
-
Valuation
PE Ratio
4.87
4.53
-
-
-
-
-
-
PE Relative to Market
35.3%
32.7%
-
-
-
-
-
-
Price to Book
0.66
0.78
-
-
-
-
-
-
Price to Cash Flow
0.00
0.00
-
-
-
-
-
-
Shares Outstanding (M)
439.80
439.70
-
-
-
-
-
-
Market Cap ($M)
$540.95
$624.37
-
-
-
-
-
-
Enterprise Value ($M)
-
-
-
-
-
-
-
-
Performance
Total Shareholder Return
-7.6%
-28.7%
-
-
-
-
-
-
Relative to Market
-21.3%
-24.6%
-
-
-
-
-
-
Per Share
Earnings (EPS Adjusted)
23.83
31.34
-
-
-
-
-
-
Earnings (with Abnormals)
25.27
31.34
-
-
-
-
-
-
Cash Flow
21.20
(510.80)
-
-
-
-
-
-
Cash
0.00
0.00
-
-
-
-
-
-
Net Tangible Assets
0.00
0.00
-
-
-
-
-
-
Book Value
1.88
1.82
-
-
-
-
-
-
Share Price
$1.23
$1.42
-
-
-
-
-
-
Dividends
DPS (c)
8.50
10.50
-
-
-
-
-
-
Dividend yield
6.91%
7.39%
-
-
-
-
-
-
Franking
100%
100%
-
-
-
-
-
-
Gross DPS (c)
12.14
15.00
-
-
-
-
-
-
Gross Dividend Yield
9.87%
10.56%
-
-
-
-
-
-
Payout Ratio
34%
34%
-
-
-
-
-
-
Member Content
Source:
Annual Financial Income Statement
Print Financials
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
12/2020
AUD $M
N/A
N/A
N/A
N/A
N/A
N/A
Revenue
Interest Income
1,402.2
955.4
-
-
-
-
-
-
Interest Expenses
(1,066.1)
(579.8)
-
-
-
-
-
-
Net Interest Income
336.1
375.6
-
-
-
-
-
-
Provision Doubtful Debts
(39.9)
(33.3)
-
-
-
-
-
-
Net Interest Income Less Prov.
296.2
342.3
-
-
-
-
-
-
Non Interest Income
121
106.2
-
-
-
-
-
-
Total Operating Income
417.2
448.5
-
-
-
-
-
-
Expenses
Non Interest Expenses
(260.9)
(246.8)
-
-
-
-
-
-
Pre-Tax Profit
156.3
201.7
-
-
-
-
-
-
Tax Expense
(40.9)
(61.2)
-
-
-
-
-
-
Outside Equity
2
0.5
-
-
-
-
-
-
Ordinary Dividends
(37.5)
-
-
-
-
-
-
-
Preference Dividends
-
-
-
-
-
-
-
-
NPAT before Abs
117.4
141
-
-
-
-
-
-
Abnormal
(7.6)
-
-
-
-
-
-
-
Abnormals Tax
0.9
-
-
-
-
-
-
-
Net Abnormals
(6.7)
-
-
-
-
-
-
-
Reported NPAT after Abs
110.7
141
-
-
-
-
-
-
Equity
Share End
439.8
439.7
-
-
-
-
-
-
Share Weighted
464.54
449.9
-
-
-
-
-
-
EPS Adjusted
0.25
0.31
-
-
-
-
-
-
EPS after Abs
0.24
0.31
-
-
-
-
-
-
Forex Gain
-
-
-
-
-
-
-
-
Equity Profit / Loss
-
-
-
-
-
-
-
-
Member Content
Source:
Annual Financial Balance Sheet
Print Financials
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
12/2020
AUD $M
N/A
N/A
N/A
N/A
N/A
N/A
Assets
Short Term Money
1,528.7
1,243.6
-
-
-
-
-
-
Investment Securities
19.2
19.4
-
-
-
-
-
-
Due from Banks
-
-
-
-
-
-
-
-
Loans
18,379.4
18,327.8
-
-
-
-
-
-
Total Earning Assets
19,927.3
19,590.8
-
-
-
-
-
-
Customer Acceptance
-
-
-
-
-
-
-
-
Fixed Assets
32
19
-
-
-
-
-
-
Other Non-Earning Assets
248.4
309.6
-
-
-
-
-
-
Total Non-Earning Assets
280.4
328.6
-
-
-
-
-
-
Total Assets
20,207.7
19,919.4
-
-
-
-
-
-
Liabilities
Due to Banks
-
-
-
-
-
-
-
-
Bank Acceptance
-
-
-
-
-
-
-
-
Deposits
-
-
-
-
-
-
-
-
Provisions
33.1
59.4
-
-
-
-
-
-
Bonds
19,257
18,979.2
-
-
-
-
-
-
Other Liabilities
54.8
39.5
-
-
-
-
-
-
Total Liabilities
19,344.9
19,078.1
-
-
-
-
-
-
Net Assets
825.4
801.9
-
-
-
-
-
-
Equity
Outside Equity
37.4
39.4
-
-
-
-
-
-
Capital
729.8
729.6
-
-
-
-
-
-
Reserves Excl. Share Premiums
50
99.8
-
-
-
-
-
-
Share Premium Reserves
-
-
-
-
-
-
-
-
Retained Profits
45.6
(27.5)
-
-
-
-
-
-
Other Equity
-
-
-
-
-
-
-
-
Convertible Equity
-
-
-
-
-
-
-
-
Member Content
Source:
Annual Financial Cash Flow
Print Financials
12/2023
AUD $M
12/2022
AUD $M
12/2021
AUD $M
12/2020
AUD $M
N/A
N/A
N/A
N/A
N/A
N/A
Operating Activities
Interest Received
1,365.5
890.3
-
-
-
-
-
-
Interest Paid
(1,023.2)
(550.9)
-
-
-
-
-
-
Dividends Received
-
-
-
-
-
-
-
-
Tax Paid
(59)
(72.5)
-
-
-
-
-
-
Other
(185)
(2,564.8)
-
-
-
-
-
-
Net Operating Cashflow
98.3
(2,297.9)
-
-
-
-
-
-
Investing Activities
Purchased PP&E
(7.1)
(10.2)
-
-
-
-
-
-
Proceeds from PP&E
-
-
-
-
-
-
-
-
Purchased Investments
(0.4)
(0.5)
-
-
-
-
-
-
Proceeds from Investments
-
-
-
-
-
-
-
-
Purchased Subsidiary
-
(76.9)
-
-
-
-
-
-
Proceeds from Subsidiary
-
-
-
-
-
-
-
-
Loans Granted
-
-
-
-
-
-
-
-
Loans Repaid
-
-
-
-
-
-
-
-
Other
-
-
-
-
-
-
-
-
Net Investing Cashflow
(7.5)
(87.6)
-
-
-
-
-
-
Financing Activities
Proceeds from Issues
-
-
-
-
-
-
-
-
Proceeds from Borrowings
13,697.3
11,403.1
-
-
-
-
-
-
Payments of Borrowings
(13,465.2)
(9,019.9)
-
-
-
-
-
-
Dividends Paid
(37.8)
(63.3)
-
-
-
-
-
-
Other
-
-
-
-
-
-
-
-
Net Financing Cashflow
194.3
2,319.9
-
-
-
-
-
-
Total Net Cashflow
285.1
(65.6)
-
-
-
-
-
-
Cash
Cash Begin
1,243.6
1,309.2
-
-
-
-
-
-
Exchange Rate Adjustment
-
-
-
-
-
-
-
-
Cash End
1,528.7
1,243.6
-
-
-
-
-
-
Member Content
Source: