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PPM · ASX

Pepper Money Ltd (ASX:PPM)

AU$1.17

 0.0 (0.0%)
ASX:Live
06/12/2023 04:10:05 PM
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PPM Overview

PPM Health Scores

Short Term

Mean Revision

Trend

Event

Halo Model

MQV

GARP

MQV Small

Valuation

Value

Consensus

Momentum

Price

Earnings

Growth

Earnings

Dividends

Quality

Capital Efficiency

Balance Sheet

About PPM

Website

N/A

Telephone

61.13.0065.0931

Address

P. O. Box 6186 North Sydney, New South Wales (NSW) 2060

Description

Pepper Money Ltd. engages in the provision of home loan, car loan, and personal loan solutions for borrowers. It operates through the following business segments: Mortgages, Asset Finance and Loan, and Other Servicing. The Mortgages segment includes both residential mortgages in Australia and New Zealand. The Asset Finance and Loan segment comprises of the the income and expenses associated with the origination and ongoing ownership of loans secured over a range of assets, including used and new cars, caravans, motor bikes and boats, and equipment finance. The Loan and Other Servicing segment consists of s the income and expenses associated with the servicing of loan portfolios for third parties, and for Pepper Money controlled limited recourse Funding Vehicles. Its services include lending, asset finance, third party servicing, debt investor, and broker portal. The company was founded by Michael Culhane on August 30, 2000 and is headquartered in North Sydney, Australia.

PPM Price Chart

Key Stats

Market Cap

AU$510.16M

PE

4.70

EV/EBITDA

-2.5

Dividends Overview

DIV Yield

7.2%

Franking

100%

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 1.12 - 1.62

Trade Value (12mth)

AU$48,908.00

1 week

0.43%

1 month

-5.65%

YTD

-17.61%

1 year

-20.95%

All time high

2.86

Key Fundamentals

EPS 3 yr Growth

4119.700%

EBITDA Margin

78.50%

Operating Cashflow

-$2,298m

Free Cash Flow Return

-12.40%

ROIC

0.80%

Interest Coverage

1.40

Quick Ratio

N/A

Other Data

Shares on Issue (Fully Dilluted)

460m

HALO Sector

Other Finance

Next Company Report Date

22-Feb-24

Ex Dividend Date (est.)

N/A

Next Dividend Pay Date (est.)

N/A

Reporting Currency

AUD

Short Sell (% of issue)

0.00

PPM Announcements

Latest Announcements

Date Announcements

31 October 22

Change of Registry Address

×

Change of Registry Address

30 September 22

Proposed issue of securities - PPM

×

Proposed issue of securities - PPM

30 November 23

Release Date - CY23 Full Year Results

×

Release Date - CY23 Full Year Results

28 March 22

Notice of Annual General Meeting/Proxy Form

×

Notice of Annual General Meeting/Proxy Form

28 March 22

Change in substantial holding

×

Change in substantial holding

28 August 23

Response to ASX Aware Query

×

Response to ASX Aware Query

28 April 22

Annual General Meeting - Address and Presentation

×

Annual General Meeting - Address and Presentation

28 April 22

Results of Meeting

×

Results of Meeting

27 March 23

Notice of Annual General Meeting/Proxy Form

×

Notice of Annual General Meeting/Proxy Form

27 July 22

Pepper Group Ltd. - Suspension of Notes and Removal from Official List (PEP-AU)

×

Pepper Group Ltd. - Suspension of Notes and Removal from Official List (PEP-AU)

27 April 23

Annual General Meeting - Chair and CEO Addressess

×

Annual General Meeting - Chair and CEO Addressess

27 April 23

Annual General Meeting - Presentation

×

Annual General Meeting - Presentation

27 April 23

Results of Meeting

×

Results of Meeting

25 November 21

Investor Presentation

×

Investor Presentation

24 January 22

Invitation - 2021 Full Year Results Briefing

×

Invitation - 2021 Full Year Results Briefing

24 February 22

CY2021 Annual Report

×

CY2021 Annual Report

24 February 22

CY2021 Full Year Results Announcement

×

CY2021 Full Year Results Announcement

24 February 22

CY2021 Full Year Results Investor Presentation

×

CY2021 Full Year Results Investor Presentation

24 February 22

Corporate Governance Statement

×

Corporate Governance Statement

24 February 22

Appendix 4G

×

Appendix 4G

24 February 22

Dividend/Distribution - PPM

×

Dividend/Distribution - PPM

24 August 22

Half Yearly Report and Accounts

×

Half Yearly Report and Accounts

24 August 22

Half Yearly Results Announcement

×

Half Yearly Results Announcement

24 August 22

Half Yearly Report Investor Presentation

×

Half Yearly Report Investor Presentation

24 August 22

Dividend/Distribution - PPM

×

Dividend/Distribution - PPM

24 August 21

Half Yearly Report Presentation

×

Half Yearly Report Presentation

23 February 23

Annual Report

×

Annual Report

23 February 23

Sustainability Report

×

Sustainability Report

PPM Fundamentals

Per Share Records

Historical data

Forecasted data

AUD 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock -0.07 0.34 0.32 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock -0.07 0.34 0.31 Lock Lock Lock
     Growth % Lock Lock Lock Lock -985.5 599.4 -4.6 Lock Lock Lock
     PE X Lock Lock Lock Lock N/A 5.7 4.7 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock N/A -0.9 -2.5 Lock Lock Lock
CFPS $ Lock Lock Lock Lock 0.55 0.61 0.70 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -3.09 -8.35 -5.29 Lock Lock Lock
     Growth % Lock Lock Lock Lock 4,668.0 10.8 15.3 Lock Lock Lock
     Yield % Lock Lock Lock Lock N/A -386.5 -372.4 Lock Lock Lock
DPS $ Lock Lock Lock Lock N/A 0.09 0.10 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A N/A 16.7 Lock Lock Lock
     Yield % Lock Lock Lock Lock N/A 5.8 7.2 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock N/A 27 33 Lock Lock Lock
BPS $ Lock Lock Lock Lock 1.67 1.45 1.82 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 1.58 1.38 1.48 Lock Lock Lock
     Growth % Lock Lock Lock Lock 2,381.7 -13.0 7.3 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 440 359 448 Lock Lock Lock
Basic m Lock Lock Lock Lock 440 359 440 Lock Lock Lock

Financial Records

Historical data

Forecasted data

AUD 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Income Statement
Sales $m Lock Lock Lock Lock 774 771 1,064 Lock Lock Lock
     Growth % Lock Lock Lock Lock 2,150.2 -0.4 37.9 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 47 52 51 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 705 700 988 Lock Lock Lock
     Growth % Lock Lock Lock Lock 2,171.5 -0.8 41.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 91.1 90.7 92.8 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 9 9 7 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 593 570 835 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A -3.9 46.6 Lock Lock Lock
     Margin % Lock Lock Lock Lock 76.6 73.9 78.5 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 24 24 20 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 569 545 815 Lock Lock Lock
     Growth % Lock Lock Lock Lock 3,252.8 -4.1 49.4 Lock Lock Lock
     Margin % Lock Lock Lock Lock 73.5 70.7 76.6 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock 142 186 202 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 42 56 61 Lock Lock Lock
Net Income $m Lock Lock Lock Lock -30 121 141 Lock Lock Lock
     Growth % Lock Lock Lock Lock -983.3 508.1 16.7 Lock Lock Lock
     Margin % Lock Lock Lock Lock -3.8 15.7 13.3 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -1,347 -2,990 -2,298 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 12 10 10 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -49 -266 -88 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 1,556 3,681 2,320 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -1,358 -3,001 -2,308 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A -120.9 23.1 Lock Lock Lock
     Margin % Lock Lock Lock Lock -1.8 -3.9 -2.2 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 886 1,309 1,244 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 23,100 17,268 19,919 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 13,797 16,517 18,996 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 12,912 15,208 17,752 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 22,366 16,632 19,078 Lock Lock Lock
Equity $m Lock Lock Lock Lock 734 636 802 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 14,531 17,154 19,798 Lock Lock Lock
     Growth % Lock Lock Lock Lock 2,617.4 18.0 15.4 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock -0.1 0.7 0.7 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -4.0 19.0 17.6 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 3.5 5.9 4.2 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock 0.7 1.5 0.8 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -9.3 -33.7 -12.4 Lock Lock Lock

Ratios Records

Historical data

Forecasted data

AUD 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Leverage
Interest Cover X Lock Lock Lock Lock 1.6 1.7 1.4 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 21.8 26.7 21.3 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 1,759.3 2,389.7 2,213.8 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 143.4 127.8 108.0 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.0 0.0 0.1 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.0 0.0 0.1 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock 18.3 24.2 19.0 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock 0.6 1.1 1.0 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 29.8 29.8 30.3 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock -0.1 0.7 0.7 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 31.5 27.1 24.8 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -4.0 19.0 17.6 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock N/A 73.2 67.3 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock N/A 13.9 11.8 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 2.5 2.9 3.4 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 2.5 2.9 3.4 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 2.5 2.9 3.4 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

7.2%

Franking Level

100%

DPSg

16.67%

Quality Yield

Lock

Falling Divs over next 2

Lock

Expected Dividend Cashflow

Dividend Clarity,
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Strategy

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Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

0.00%

Value ($M)

0

Prior Change

N/A

7 Day Change

N/A

1 Month Change

N/A

3 Month Change

N/A

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Frequently Asked Questions

The current share price of Pepper Money Ltd (PPM:ASX) is AU$1.17.
The 52-week high share price for Pepper Money Ltd (PPM:ASX) is AU$1.62.
The 52-week low share price for Pepper Money Ltd (PPM:ASX)? is AU$1.12.
The current TTM dividend payout for Pepper Money Ltd (PPM:ASX) is 7.20.
The last dividend payment of Pepper Money Ltd (PPM:ASX) is AU$0.04.
Pepper Money Ltd (PPM:ASX) has a franking level of 100%.
Pepper Money Ltd (PPM:ASX) is classified in the Other Finance.
The current P/E ratio for Pepper Money Ltd (PPM:ASX) is 4.70.
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.