CompanyGraph
Pepper Money Limited
PPM · ASX · Australia
Price data from its PPM listing on CXA
peppermoney.com.auFinancials as of FY2025
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- ScaleLevered free cash flow is $73.68M, above the global median of $16.24M
- PositionDebt-to-equity is 20×, higher than 95% of its Credit Services peers (median 2.54×)
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Sign inWhat the company actually pays, and whether its own cash supports it.
Dividends view
Yield
9.57%
Annual Rate
AUD 0.16Paid semi-annual
Payout Ratio
59.7%Sustainable
Last Ex-Dividend
Mar 12, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
718.81MAUD506.31M · vs all stocks (USD)
Trailing P/E
6.96xvs Credit Services peers
Revenue (TTM)
396.50MAUD279.29M · vs all stocks (USD)
Profit Margin
26.38%vs Credit Services peers
Beta
1.19xvs all stocks
52-Week Change
-13.53%vs all stocks
Forward Annual Dividend Yield
9.57%vs all stocks
Market Capitalization
718.81MAUD506.31M · vs all stocks (USD)
Enterprise Value
16.79BAUD11.83B · vs all stocks (USD)
Trailing P/E
6.96xvs Credit Services peers
Forward P/E
6.05xvs Credit Services peers
Price to Sales (TTM)
1.81xvs Credit Services peers
Price to Book (MRQ)
0.8176xvs Credit Services peers
Enterprise to Revenue
42.34xvs Credit Services peers
Profit Margin
26.38%vs Credit Services peers
Operating Margin
37.40%vs Credit Services peers
Return on Assets (TTM)
0.58%vs Credit Services peers
Return on Equity (TTM)
12.12%vs Credit Services peers
Revenue (TTM)
396.50MAUD279.29M · vs all stocks (USD)
Revenue per Share (TTM)
0.8940AUDUpdated Jul 20, 2026Quarterly Revenue Growth
4.10%vs Credit Services peers
Gross Profit (TTM)
370.20MAUD260.76M · vs all stocks (USD)
EBITDA (TTM)
0.00AUDvs all stocks (USD)
Net Income (TTM)
104.60MAUD73.68M · vs all stocks (USD)
Quarterly Earnings Growth (YoY)
10.60%vs Credit Services peers
Operating Cash Flow (TTM)
-714.80MAUD-503.49M · vs all stocks (USD)
Levered Free Cash Flow (TTM)
104.60MAUD73.68M · vs all stocks (USD)
Forward Annual Dividend Rate
0.1560AUDUpdated Jul 20, 2026Forward Annual Dividend Yield
9.57%vs all stocks
Trailing Annual Dividend Rate
0.1420AUDUpdated Jul 20, 2026Trailing Annual Dividend Yield
8.71%vs all stocks
Payout Ratio
59.66%vs Credit Services peers
Revenue
400.10MAUDFY2025 · Dec 31, 2025Pre-tax Income
146.50MAUDFY2025 · Dec 31, 2025Income Tax Expense
41.90MAUDFY2025 · Dec 31, 2025Net Income
104.60MAUDFY2025 · Dec 31, 2025Selling, General & Administrative
173.50MAUDFY2025 · Dec 31, 2025EPS (Basic)
0.2359AUDFY2025 · Dec 31, 2025EPS (Diluted)
0.2263AUDFY2025 · Dec 31, 2025Basic Shares Outstanding
443.30MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
443.30MSharesFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
1.27BAUDFY2025 · Dec 31, 2025Income Tax Paid
59.00MAUDFY2025 · Dec 31, 2025Interest Paid
937.30MAUDFY2025 · Dec 31, 2025Net Intangibles (CF)
-5.70MAUDFY2025 · Dec 31, 2025Long-term Debt Issuance
12.64BAUDFY2025 · Dec 31, 2025Long-term Debt Payments
-11.76BAUDFY2025 · Dec 31, 2025Common Stock Repurchase
-400.00KAUDFY2025 · Dec 31, 2025Common Dividends Paid
-115.40MAUDFY2025 · Dec 31, 2025Net Financing Cash Flow
761.30MAUDFY2025 · Dec 31, 2025Shares Outstanding
444.50MSharesUpdated Jul 20, 2026Float Shares
159.03MSharesUpdated Jul 20, 2026% Held by Insiders
62.47%vs all stocks
% Held by Institutions
21.95%vs all stocks
Total Cash (MRQ)
1.32BAUD929.43M · vs all stocks (USD)
Total Cash per Share (MRQ)
2.97AUDUpdated Jul 20, 2026Total Debt (MRQ)
17.40BAUD12.25B · vs all stocks (USD)
Total Debt to Equity (MRQ)
20.00xvs Credit Services peers
Current Ratio (MRQ)
273.67xvs Credit Services peers
Book Value per Share (MRQ)
1.96AUDUpdated Jul 20, 2026Total Assets
18.40BAUD12.96B · vs all stocks (USD)
Total Liabilities
17.53BAUDFY2025 · Dec 31, 2025Cash & Cash Equivalents
1.27BAUDFY2025 · Dec 31, 2025Other Short-term Investments
15.20MAUDFY2025 · Dec 31, 2025Accounts Receivable
25.20MAUDFY2025 · Dec 31, 2025Accounts Payable
17.40MAUDFY2025 · Dec 31, 2025Short-term Debt
17.37BAUDFY2025 · Dec 31, 2025Deferred Revenue
13.20MAUDFY2025 · Dec 31, 2025Common Stock (Book)
738.00MAUDFY2025 · Dec 31, 2025Retained Earnings
89.50MAUDFY2025 · Dec 31, 2025Total Shareholders' Equity
869.90MAUD612.74M · vs all stocks (USD)
52-Week Low
1.49AUDUpdated Jul 20, 202652-Week High
2.58AUDUpdated Jul 20, 202652-Week Change
-13.53%vs all stocks
Beta
1.19xvs all stocks
50-Day MA
1.64AUDUpdated Jul 20, 2026200-Day MA
1.98AUDUpdated Jul 20, 2026Avg 10-Day Volume
255.44KSharesUpdated Jul 20, 2026Avg 30-Day Volume
345.82KSharesUpdated Jul 20, 2026Diluted EPS (TTM)
0.2300AUDUpdated Jul 20, 2026Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Peer Positioning
Debt-to-equity is 20×, higher than 95% of its Credit Services peers (median 2.54×)Significant
Debt-to-equity: 20.00Industry median: 2.54Industry P95: 8.70Peers compared: 72.00
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Scale
Levered free cash flow is $73.68M, above the global median of $16.24MNotable
Levered free cash flow (USD): 73,678,148Global Median: 16,239,329.704
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