PPM · ASX

Pepper Money Ltd (ASX:PPM)

AU$1.32

 -0.02 (-1.493%)
ASX:Live
21/11/2024 04:10:42 PM
Quality Yield Hammer Bullish HALO Yield HALO Ords HALO Balance Sheet +3
Consensus Score
/10
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PPM Overview

PPM Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Very Weak

Halo Model

MQV

Neutral

GARP

Strong

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Strong

Earnings

Neutral

Growth

Earnings

Very Strong

Dividends

Weak

Quality

Capital Efficiency

Neutral

Balance Sheet

Very Weak

About PPM

Website

N/A

Telephone

61.13.0065.0931

Address

Level 27 177 Pacific Highway 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 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. Pepper Money was founded by Michael Culhane on August 30, 2000 and is headquartered in North Sydney, Australia.

PPM Price Chart

Key Stats

Market Cap

AU$594.19M

PE

6.60

EV/EBITDA

-2.1

Dividends Overview

DIV Yield

4.8%

Franking

100%

Ex Dividend Date (est.)

11-Sep-24

Market Data

52 weeks range

Low 1.12 - 1.7

Trade Value (12mth)

AU$69,801.00

1 week

-2.19%

1 month

-5.63%

YTD

8.94%

1 year

14.53%

All time high

2.86

Key Fundamentals

EPS 3 yr Growth

-474.10%

EBITDA Margin

84.10%

Operating Cashflow

$98m

Free Cash Flow Return

0.50%

ROIC

0.60%

Interest Coverage

1.20

Quick Ratio

0.00

Other Data

Shares on Issue (Fully Dilluted)

460m

HALO Sector

Other Finance

Next Company Report Date

27-Feb-25

Ex Dividend Date (est.)

11-Sep-24

Next Dividend Pay Date (est.)

10-Oct-24

Reporting Currency

AUD

Short Sell (% of issue)

0.08

PPM Announcements

Latest Announcements

Date Announcements

21 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

20 November 24

Application for quotation of securities - PPM

×

Application for quotation of securities - PPM

20 November 24

Application for quotation of securities - PPM

×

Application for quotation of securities - PPM

19 November 24

Notification of cessation of securities - PPM

×

Notification of cessation of securities - PPM

19 November 24

Notification regarding unquoted securities - PPM

×

Notification regarding unquoted securities - PPM

19 November 24

Proposed issue of securities - PPM

×

Proposed issue of securities - PPM

18 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

15 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

14 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

14 November 24

Notification of cessation of securities - PPM

×

Notification of cessation of securities - PPM

13 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

12 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

12 November 24

Initial substantial shareholding from AEF

×

Initial substantial shareholding from AEF

11 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

08 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

05 November 24

Notification of cessation of securities - PPM

×

Notification of cessation of securities - PPM

04 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

01 November 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

30 October 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

30 October 24

Notification of cessation of securities - PPM

×

Notification of cessation of securities - PPM

29 October 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

28 October 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

25 October 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

24 October 24

Update - Notification of buy-back - PPM

×

Update - Notification of buy-back - PPM

24 October 24

Application for quotation of securities - PPM

×

Application for quotation of securities - PPM

PPM Fundamentals

Per Share Records

Historical data

Forecast 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 0.25 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock 0.34 0.31 0.24 Lock Lock Lock
     Growth % Lock Lock Lock Lock 599.4 -4.6 -21.5 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 0.69 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -8.35 -5.29 0.12 Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.8 15.3 -1.8 Lock Lock Lock
     Yield % Lock Lock Lock Lock -386.5 -372.4 9.5 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.09 0.10 0.08 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A 16.7 -19.0 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 34 Lock Lock Lock
BPS $ Lock Lock Lock Lock 1.45 1.82 1.88 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 1.38 1.48 1.56 Lock Lock Lock
     Growth % Lock Lock Lock Lock -13.0 7.3 5.3 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 359 448 456 Lock Lock Lock
Basic m Lock Lock Lock Lock 359 440 440 Lock Lock Lock

Financial Records

Historical data

Forecast data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Income Statement
Sales $m Lock Lock Lock Lock 771 1,064 1,524 Lock Lock Lock
     Growth % Lock Lock Lock Lock -0.4 37.9 43.2 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 52 51 54 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 700 988 1,447 Lock Lock Lock
     Growth % Lock Lock Lock Lock -0.8 41.2 46.5 Lock Lock Lock
     Margin % Lock Lock Lock Lock 90.7 92.8 95.0 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 9 7 5 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 570 835 1,281 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A 46.6 53.4 Lock Lock Lock
     Margin % Lock Lock Lock Lock 73.9 78.5 84.1 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 24 20 22 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 545 815 1,259 Lock Lock Lock
     Growth % Lock Lock Lock Lock -4.1 49.4 54.5 Lock Lock Lock
     Margin % Lock Lock Lock Lock 70.7 76.6 82.6 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock 186 202 149 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 56 61 40 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 -21.5 Lock Lock Lock
     Margin % Lock Lock Lock Lock 15.7 13.3 7.3 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -2,990 -2,298 98 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 10 10 7 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -266 -88 -8 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 3,681 2,320 194 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -3,001 -2,308 91 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A 23.1 104.0 Lock Lock Lock
     Margin % Lock Lock Lock Lock -3.9 -2.2 0.1 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 0 0 0 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 1,309 1,244 1,529 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 17,268 19,919 20,208 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 16,517 18,996 19,290 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 15,208 17,752 17,761 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 16,632 19,078 19,345 Lock Lock Lock
Equity $m Lock Lock Lock Lock 636 802 825 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 17,154 19,798 20,115 Lock Lock Lock
     Growth % Lock Lock Lock Lock 18.0 15.4 1.6 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock 0.7 0.7 0.5 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 19.0 17.6 13.4 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 5.9 4.2 6.1 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock 1.5 0.8 0.6 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -33.7 -12.4 0.5 Lock Lock Lock

Ratios Records

Historical data

Forecast data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Leverage
Interest Cover X Lock Lock Lock Lock 1.7 1.4 1.2 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 26.7 21.3 13.9 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 2,389.7 2,213.8 2,151.8 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 0.0 0.0 0.0 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 96.7 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.0 0.1 0.1 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.0 0.1 0.1 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock 24.2 19.0 9.8 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock 1.1 1.0 0.7 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 29.8 30.3 26.9 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock 0.7 0.7 0.5 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 27.1 24.8 24.5 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 19.0 17.6 13.4 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 73.2 67.3 66.2 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock 13.9 11.8 8.9 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 2.9 3.4 3.8 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 2.9 3.4 3.8 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 2.9 3.4 3.8 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

11-Sep-24

DIV Yield

4.8%

Franking Level

100%

DPSg

-19.00%

Quality Yield

Lock

Falling Divs over next 2

Lock

Expected Dividend Cashflow

Dividend Clarity,
Enhanced
Strategy

Upload your portfolio and gain access to 3-year dividend forecasts for each holding with HALO Global. Empower your decision-making and maximize returns with our advanced analytical tool. Try it today.

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

0.08%

Value ($M)

0

Prior Change

N/A

7 Day Change

N/A

1 Month Change

N/A

3 Month Change

0.10%

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Frequently Asked Questions

The current share price of Pepper Money Ltd (PPM:ASX) is AU$1.32.
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.
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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.