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PPM · ASX

Pepper Money Ltd (ASX:PPM)

AU$1.46

 0.015 (1.038%)
ASX:Live
17/05/2024 04:10:34 PM
Recent Price upgrade Quality Yield HALO Yield HALO Ords HALO MQV +7
Consensus Score
/10
Recommend
Target Price
Deviation
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PPM Overview

PPM Health Scores

Short Term

Mean Revision

Neutral

Trend

Neutral

Event

Neutral

Halo Model

MQV

Very Weak

GARP

Neutral

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Weak

Earnings

Very Weak

Growth

Earnings

Neutral

Dividends

Weak

Quality

Capital Efficiency

Neutral

Balance Sheet

Very Weak

About PPM

Website

N/A

Telephone

Address

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$638.07M

PE

6.60

EV/EBITDA

-2.1

Dividends Overview

DIV Yield

4.8%

Franking

100%

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 1.12 - 1.7

Trade Value (12mth)

AU$54,305.00

1 week

-1.02%

1 month

-1.35%

YTD

18.7%

1 year

20.16%

All time high

2.859999895095825

Key Fundamentals

EPS 3 yr Growth

-454.100%

EBITDA Margin

51.20%

Operating Cashflow

-$345m

Free Cash Flow Return

N/A

ROIC

N/A

Interest Coverage

8.00

Quick Ratio

N/A

Other Data

Shares on Issue (Fully Dilluted)

460m

HALO Sector

Next Company Report Date

27-Feb-25

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

07 May 24

Changes to Board of Directors

×

Changes to Board of Directors

07 May 24

Application for quotation of securities - PPM

×

Application for quotation of securities - PPM

06 May 24

Proposed issue of securities - PPM

×

Proposed issue of securities - PPM

06 May 24

Application for quotation of securities - PPM

×

Application for quotation of securities - PPM

22 April 24

Notice of Annual General Meeting/Proxy Form

×

Notice of Annual General Meeting/Proxy Form

10 April 24

Change of Director's Interest Notice

×

Change of Director's Interest Notice

10 April 24

Application for quotation of securities - PPM

×

Application for quotation of securities - PPM

09 April 24

Application for quotation of securities - PPM

×

Application for quotation of securities - PPM

08 April 24

Proposed issue of securities - PPM

×

Proposed issue of securities - PPM

08 April 24

Notification regarding unquoted securities - PPM

×

Notification regarding unquoted securities - PPM

28 March 24

Completion of acquisition of shares in Stratton Finance

×

Completion of acquisition of shares in Stratton Finance

25 March 24

Pepper Group Ltd. - Admission and Commencement as an ASX Debt Listing (PEP-AU)

×

Pepper Group Ltd. - Admission and Commencement as an ASX Debt Listing (PEP-AU)

25 March 24

Pepper Group Ltd. - Appendix 1B, Information Form and Checklist (PEP-AU)

×

Pepper Group Ltd. - Appendix 1B, Information Form and Checklist (PEP-AU)

25 March 24

Pepper Group Ltd. - OFFERING CIRCULAR (PEP-AU)

×

Pepper Group Ltd. - OFFERING CIRCULAR (PEP-AU)

25 March 24

Pepper Group Ltd. - Master Trust Deed (PEP-AU)

×

Pepper Group Ltd. - Master Trust Deed (PEP-AU)

25 March 24

Pepper Group Ltd. - Master Security Trust Deed (PEP-AU)

×

Pepper Group Ltd. - Master Security Trust Deed (PEP-AU)

25 March 24

Pepper Group Ltd. - Series Notice (PEP-AU)

×

Pepper Group Ltd. - Series Notice (PEP-AU)

25 March 24

Pepper Group Ltd. - Note Deed Poll (PEP-AU)

×

Pepper Group Ltd. - Note Deed Poll (PEP-AU)

20 March 24

Exercise of call option over shares in Stratton Finance

×

Exercise of call option over shares in Stratton Finance

19 March 24

Change of Director's Interest Notice

×

Change of Director's Interest Notice

12 March 24

Application for quotation of securities - PPM

×

Application for quotation of securities - PPM

08 March 24

Proposed issue of securities - PPM

×

Proposed issue of securities - PPM

29 February 24

Annual Report to shareholders

×

Annual Report to shareholders

29 February 24

CY2023 Full Year Results Announcement

×

CY2023 Full Year Results Announcement

29 February 24

CY2023 Full Year Results Investor Presentation

×

CY2023 Full Year Results Investor Presentation

PPM Fundamentals

Per Share Records

Historical data

Forecasted data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock 0.34 0.32 0.24 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock 0.34 0.31 N/A Lock Lock Lock
     Growth % Lock Lock Lock Lock 599.4 -4.6 -25.7 Lock Lock Lock
     PE X Lock Lock Lock Lock 5.7 4.7 6.6 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock -0.9 -2.5 -2.1 Lock Lock Lock
CFPS $ Lock Lock Lock Lock 0.61 0.70 0.29 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -8.35 -5.29 N/A Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.8 15.3 -58.1 Lock Lock Lock
     Yield % Lock Lock Lock Lock -386.5 -372.4 N/A Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.09 0.10 0.09 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A 16.7 -17.0 Lock Lock Lock
     Yield % Lock Lock Lock Lock 5.8 7.2 4.8 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 27 33 37 Lock Lock Lock
BPS $ Lock Lock Lock Lock 1.45 1.82 1.91 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 1.38 1.48 1.64 Lock Lock Lock
     Growth % Lock Lock Lock Lock -13.0 7.3 11.0 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 359 448 N/A Lock Lock Lock
Basic m Lock Lock Lock Lock 359 440 N/A Lock Lock Lock

Financial Records

Historical data

Forecasted data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Income Statement
Sales $m Lock Lock Lock Lock 771 1,064 388 Lock Lock Lock
     Growth % Lock Lock Lock Lock -0.4 37.9 -63.5 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 52 51 N/A Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 700 988 N/A Lock Lock Lock
     Growth % Lock Lock Lock Lock -0.8 41.2 N/A Lock Lock Lock
     Margin % Lock Lock Lock Lock 90.7 92.8 N/A Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 9 7 N/A Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 570 835 199 Lock Lock Lock
     Growth % Lock Lock Lock Lock -3.9 46.6 -76.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 73.9 78.5 51.2 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 24 20 22 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 545 815 192 Lock Lock Lock
     Growth % Lock Lock Lock Lock -4.1 49.4 -76.4 Lock Lock Lock
     Margin % Lock Lock Lock Lock 70.7 76.6 49.5 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock 186 202 N/A Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 56 61 N/A Lock Lock Lock
Net Income $m Lock Lock Lock Lock 121 141 111 Lock Lock Lock
     Growth % Lock Lock Lock Lock 508.1 16.7 -21.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 15.7 13.3 28.6 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -2,990 -2,298 -345 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 10 10 13 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -266 -88 -7 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 3,681 2,320 N/A Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -3,001 -2,308 2,107 Lock Lock Lock
     Growth % Lock Lock Lock Lock -120.9 23.1 191.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock -3.9 -2.2 5.4 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 1,309 1,244 N/A Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 17,268 19,919 18,679 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 16,517 18,996 N/A Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 15,208 17,752 -1,393 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 16,632 19,078 N/A Lock Lock Lock
Equity $m Lock Lock Lock Lock 636 802 863 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 17,154 19,798 N/A Lock Lock Lock
     Growth % Lock Lock Lock Lock 18.0 15.4 N/A Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock 0.7 0.7 0.6 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 19.0 17.6 12.9 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 5.9 4.2 N/A Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock 1.5 0.8 N/A Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -33.7 -12.4 N/A Lock Lock Lock

Ratios Records

Historical data

Forecasted data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Leverage
Interest Cover X Lock Lock Lock Lock 1.7 1.4 8.0 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 26.7 21.3 -7.0 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 2,389.7 2,213.8 -161.4 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 127.8 108.0 N/A 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 0.1 0.0 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.0 0.1 0.0 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock 24.2 19.0 N/A Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock 1.1 1.0 N/A Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 29.8 30.3 N/A Lock Lock Lock
Return on Assets % Lock Lock Lock Lock 0.7 0.7 0.6 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 27.1 24.8 21.6 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 19.0 17.6 12.9 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 73.2 67.3 63.4 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock 13.9 11.8 8.2 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 2.9 3.4 N/A Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 2.9 3.4 N/A 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 2.9 3.4 N/A Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

4.8%

Franking Level

100%

DPSg

-17.00%

Quality Yield

Lock

Falling Divs over next 2

Lock

Expected Dividend Cashflow

Dividend Clarity,
Enhanced
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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PPM Shortsell

Frequently Asked Questions

The current share price of Pepper Money Ltd (PPM:ASX) is AU$1.46.
The 52-week high share price for Pepper Money Ltd (PPM:ASX) is AU$1.70.
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 4.80.
The last dividend payment of Pepper Money Ltd (PPM:ASX) is AU$0.05.
Pepper Money Ltd (PPM:ASX) has a franking level of 100.0%.
Pepper Money Ltd (PPM:ASX) is classified in the Other Finance.
The current P/E ratio for Pepper Money Ltd (PPM:ASX) is 6.60.