YOLFTbeta
Pepper Money Ltd

Pepper Money Ltd

PPM · AU · Financial Services / Credit Services

1.81AUD+0.02 (+1.12%)

Price History

Full chart

Market Stats

Previous Close1.79
Open1.79
Day Range1.78 – 1.81
52-Week Range1.44 – 2.40
Volume163.62K
Market Cap775.19M
P/E (TTM)7.50
Forward P/E5.60
EPS0.23
Dividend Yield8.35%
Beta1.21
50-Day Avg1.80
200-Day Avg1.85

About

Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing for residential home loans, small balance commercial real estate loans, and self-managed super fund mortgages. The Asset Finance segment finances a range of asset types for consumer and commercial customers. The Loan and Other Servicing segment provides independent loan servicing for mortgages, and asset finance and personal loans. It also offers auto and equipment finance, novated leases, and third-party loan services. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia. Pepper Money Limited is a subsidiary of Pepper Group Anz Holdco Limited.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Mario Rehayem
  • Employees0
  • Headquarters177 Pacific Highway, North Sydney, NSW, Australia, 2060, Australia
  • Websitehttps://www.peppermoney.com.au

Leadership

  • Mr. Mario RehayemCEO & Director
  • Ms. Therese McGrathChief Financial Officer
  • Mr. Steven MeekChief Information Officer
  • Mr. John Paul WilliamsGeneral Counsel & Company Secretary
  • Ms. Sarah PikardtChief Marketing Officer
  • Ms. Sue KentChief Human Resource Officer
  • Mr. Michael VainauskasChief Risk Officer
  • Mr. Matthew TinkerChief Service Officer
  • Mr. Neil CulkinHead of Credit and Settlements ? Mortgages & Commercial Lending
  • Mr. Andrew GambleHead of Sales - Asset Finance

Financials

Income Statement

Currency: AUD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue92.30M148.30M232.35M293.51M370.35M410.04M1.08B34.40M774.10M771.30M1.06B1.52B1.58B1.45B
Growth (%)-+60.67%+56.68%+26.32%+26.18%+10.72%+163.45%-96.82%+2150.18%-0.36%+37.91%+43.25%+3.70%-8.26%
Cost of Revenue----47.20M14.90M16.93M3.37M69.20M71.70M76.10M1.11B48.90M63.00M
Gross Profit92.30M148.30M232.35M293.51M370.35M779.36M1.06B31.03M704.90M699.60M987.60M417.70M1.53B1.39B
Gross Margin100.00%100.00%100.00%100.00%100.00%190.07%98.43%90.20%91.06%90.70%92.85%27.41%96.91%95.65%
Operating Expense56.50M105.30M180.38M286.46M300.07M732.21M592.22M14.07M192.90M179.00M206.10M-801.40M260.00M277.60M
Operating Income35.80M43.00M51.98M7.05M70.28M47.16M471.10M16.96M512.00M520.60M781.50M1.22B1.27B1.11B
Operating Margin38.79%29.00%22.37%2.40%18.98%11.50%43.61%49.30%66.14%67.50%73.47%80.01%80.45%76.50%
EBITDA-43.00M6.50M14.05M9.35M14.90M488.02M52.29M536.40M545.10M801.90M170.60M1.29B1.13B
EBITDA Margin-29.00%2.80%4.79%2.52%3.63%45.18%151.99%69.29%70.67%75.39%11.20%81.68%77.64%
Net Income24.60M28.80M38.10M3.46M61.66M41.43M20.51M3.35M-29.60M120.80M141.00M110.70M98.80M104.60M
Net Income Margin26.65%19.42%16.40%1.18%16.65%10.10%1.90%9.74%-3.82%15.66%13.26%7.27%6.25%7.22%
R&D-------0.1219.90M19.90M23.80M23.80M24.60M-
R&D as % of Total Revenue-------0.00%2.57%2.58%2.24%1.56%1.56%-
Interest Expense----00011.95M367.90M334.00M579.80M1.07B1.09B962.50M
Interest Expense % of Total Revenue----0.00%0.00%0.00%34.74%47.53%43.30%54.51%69.97%69.28%66.40%

Balance Sheet

Currency: AUD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets--4.87B6.55B8.31B10.88B17.22B551.81M14.34B17.27B19.92B20.21B17.47B18.40B
Total Liabilities--4.62B6.14B7.86B10.38B16.67B523.81M13.84B16.53B18.99B19.34B16.62B17.53B
Total Equity--248.21M409.37M454.21M501.91M543.46M28.01M498.90M636.40M801.90M825.40M855.60M869.90M
Cash--462.44M555.74M782.08M60.94M104.92M1.61M879.80M1.31B1.24B1.53B1.23B1.27B
Total Debt--4.18B5.20B7.64B9.90B15.64B19.12B13.66B16.52B37.98B19.26B16.47B17.42B
Net Debt--3.72B4.65B5.47B7.52B12.52B505.11M12.78B15.21B17.74B17.73B15.24B16.15B

Cash Flow

Currency: AUD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow--45.04M103.54M150.56M101.86M293.19M-475.61M-1.35B-2.99B-2.30B98.30M2.60B-714.80M
Investing Cash Flow---661.75M-1.60B-1.59B-2.45B-5.31B4.41M-48.70M-266.40M-87.60M-7.50M-49.30M-5.70M
Financing Cash Flow--677.98M1.58B1.67B2.40B5.34B472.23M1.56B3.68B2.32B194.30M-2.85B761.30M
Capital Expenditure005.67M6.88M3.35M21.09M35.25M60.46M11.90M10.10M10.20M7.10M7.40M5.70M
Free Cash Flow--39.38M96.66M147.21M80.77M257.94M-536.07M-1.36B-3.00B-10.20M91.20M2.59B-720.50M
Dividends Paid--1.90M1.90M10.85M25.09M-63.30M63.30M63.30M63.30M37.80M44.10M115.40M
FCF to OCF--87.42%93.35%97.77%79.29%87.98%112.71%100.88%100.34%0.44%92.78%99.72%100.80%
Dividend Paid to FCF--4.83%1.97%7.37%31.07%--11.81%-4.66%-2.11%-620.59%41.45%1.70%-16.02%

Earnings

Report DateApr 26, 2016Aug 25, 2016Feb 24, 2017Aug 25, 2017May 25, 2021Aug 23, 2021Feb 23, 2022Aug 23, 2022Feb 22, 2023Feb 26, 2025Aug 20, 2025
EPS Estimate0.000.000.000.000.00-0.000.000.000.000.00
EPS Actual0.000.060.080.060.030.360.150.160.150.110.10
Surprise-----------
Timing----Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours--

Key Statistics & Ratios

Market Cap775.19M
Enterprise Value18.69B
Trailing P/E7.50
Forward P/E5.60
Price / Sales1.85
Price / Book0.85
EPS0.23
Book Value1.96
Revenue (TTM)418.90M
Gross Profit (TTM)392.40M
Profit Margin25.78%
Operating Margin35.80%
Return on Equity12.98%
Return on Assets0.58%
Shares Outstanding449.38M
Shares Float160.76M
Beta1.21
Dividend Yield8.35%
Dividend Rate0.14
Payout Ratio62.28%

Dividends

20262×
0.07Sep 8, 20260.08Mar 12, 2026
20253×
0.06Sep 11, 20250.13Jun 10, 20250.07Mar 19, 2025
20242×
0.05Sep 11, 20240.05Mar 13, 2024
20232×
0.04Sep 11, 20230.05Mar 13, 2023
20222×
0.05Sep 14, 20220.09Mar 14, 2022