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Pepper Money Ltd

Financial Services AU PPM

1.385AUD
-(-%)

Last update at 2024-12-24T03:10:00Z

Day Range

1.371.44
LowHigh

52 Week Range

1.131.64
LowHigh

Fundamentals

  • Previous Close 1.39
  • Market Cap609.36M
  • Volume67709
  • P/E Ratio6.30
  • Dividend Yield7.12%
  • EBITDA-
  • Revenue TTM394.80M
  • Revenue Per Share TTM0.90
  • Gross Profit TTM 399.60M
  • Diluted EPS TTM0.22

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Income before tax 148.70M 201.70M 186.30M 141.50M 65.03M
Minority interest 2.00M 0.50M - 1.00M 1.10M
Net income 110.70M 141.00M 312.90M -29.60000M 16.96M
Selling general administrative 138.20M 123.80M 109.40M 39.50M 308.75M
Selling and marketing expenses 14.90M 13.80M 10.80M 10.40M 16.16M
Gross profit 1447.20M 351.70M 324.00M 704.90M 31.03M
Reconciled depreciation 21.90M 20.40M 20.50M - -
Ebit 1259.00M 202.20M 364.50M 568.70M 73.79M
Ebitda 1280.90M 222.60M 389.00M 593.10M 17.44M
Depreciation and amortization 21.90M 20.40M 24.50M 24.40M -56.34600M
Non operating income net other - - - - -
Operating income 1259.00M 202.20M 368.50M 568.70M 56.35M
Other operating expenses 304.60M 174.90M 137.30M 262.10M 31.03M
Interest expense 1066.10M 579.80M 334.00M 367.90M 11.95M
Tax provision 40.00M 61.20M 55.60M 42.09M 21.87M
Interest income 1402.20M 15.40M 10.10M 14.23M 8.69M
Net interest income 336.10M 375.60M 356.30M - -
Extraordinary items - 0.00000M 182.20M -129.38200M -8.32500M
Non recurring - - - - -
Other items - - - - -
Income tax expense 40.00M 61.20M 55.60M 42.10M 15.18M
Total revenue 1523.70M 427.80M 395.70M 774.10M 34.40M
Total operating expenses 188.20M 174.90M 137.30M 208.00M 548.33M
Cost of revenue 76.50M 76.10M 71.70M 69.20M 3.37M
Total other income expense net -1110.30000M -0.50000M -182.20000M -427.20000M 0.00000M
Discontinued operations - - 182.20M -129.40000M -129.40000M
Net income from continuing ops 108.70M 140.50M 130.70M - -
Net income applicable to common shares - 141.00M 312.90M -29.60000M 49.91M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 20207.70M 19919.40M 17268.20M 14335.40M 22062.26M
Intangible assets 42.80M 54.10M 31.50M 38.90M 76.75M
Earning assets - - - - -
Other current assets - - - 4.00M -
Total liab 19344.90M 18992.60M 16528.40M 13835.50M 21252.45M
Total stockholder equity 825.40M 801.90M 636.40M 498.90M 809.81M
Deferred long term liab - - - - -
Other current liab - -18992.60000M -16528.40000M 124.50M 157.75M
Common stock - 729.60M 729.30M 731.50M 601.77M
Capital stock 729.80M 729.60M 729.30M 731.50M -
Retained earnings 45.60M -27.50000M -105.30000M -209.60000M 226.09M
Other liab - 20.70M 11.80M 4.20M 98.95M
Good will 98.20M 98.20M - 0.00000M 60.32M
Other assets - 18474.60M 15886.30M 56.30M 90.93M
Cash 1528.70M 1243.60M 1309.20M 879.80M 105.38M
Cash and equivalents - - - 885.58M 105.38M
Total current liabilities - 18992.60M 16528.40M 138.70M 4041.99M
Current deferred revenue - - - - -
Net debt 17728.30M 17735.60M 15208.00M 12776.60M -
Short term debt - 18979.20M 16517.20M 0.00000M 3664.43M
Short long term debt 19257.00M 18979.20M 16517.20M - -
Short long term debt total - 18979.20M 16517.20M 13656.40M 15454.13M
Other stockholder equity - 90.00M 12.40M 8.60M -18.05300M
Property plant equipment - 19.00M 6.60M 13.60M 118.43M
Total current assets - 1254.10M 1320.80M 14201.00M 21580.74M
Long term investments 19.20M 19.40M 23.00M 19.60M -
Net tangible assets - 649.60M 604.90M 695.00M 674.71M
Short term investments 0.20M 0.20M 2.20M - -
Net receivables 21.20M 10.30M 9.40M 5.30M 19660.09M
Long term debt - 18979.20M 16517.20M 13183.43M 15411.36M
Inventory - - - 13311.90M -
Accounts payable 17.10M 13.40M 11.20M 14.20M 3741.08M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 99.80M 12.40M -31.60000M -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - -190.70000M -61.10000M - -
Deferred long term asset charges - - - - -
Non current assets total - 190.70M 61.10M 134.40M -
Capital lease obligations - - - - -
Long term debt total - 18997.40M 16517.20M 13183.43M 15454.13M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Investments -7.50000M -87.60000M -4.00000M -3.90000M 14.91M
Change to liabilities - 2.30M -4.00000M 7.00M 58.88M
Total cashflows from investing activities - -87.60000M -266.40000M -48.70000M -4609.55300M
Net borrowings - 2383.20M 2279.40M 262.60M 3587.06M
Total cash from financing activities 194.30M 2319.90M 3680.60M 1555.50M 472.23M
Change to operating activities - -2593.50000M -2594.00000M -320.80000M 85.09M
Net income 110.70M 141.00M 130.70M 99.80M 3.35M
Change in cash 285.10M -65.60000M 423.70M 883.89M -1198.76003M
Begin period cash flow 1243.60M 1309.20M 885.50M 1.61M 1200.37M
End period cash flow 1528.70M 1243.60M 1309.20M 885.50M 1.61M
Total cash from operating activities 98.30M -2297.90000M -2990.50000M -1346.60000M -475.60696M
Issuance of capital stock - - 488.20M - -
Depreciation 21.90M 7.60M 24.50M 24.40M 35.33M
Other cashflows from investing activities - -77.40000M -32.80000M -79.20000M -35.62200M
Dividends paid 37.80M 63.30M 63.30M 63.30M 63.30M
Change to inventory - - - - -
Change to account receivables - -5.60000M -2.20000M -1.00000M -
Sale purchase of stock - 0.00000M 488.20M 0.00000M 245.65M
Other cashflows from financing activities 470.80M 11403.10M 3200.70M 1292.90M -12.78601M
Change to netincome - 39.80M -808.10000M -1099.10000M 225.77M
Capital expenditures 7.10M 10.20M 10.10M 11.90M 60.46M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -203.90000M -1770.10000M -3257.30000M -1587.30000M -470.33764M
Stock based compensation 21.80M 15.50M 14.80M 5.30M 5.29M
Other non cash items 169.60M 127.60M 166.80M 159.30M -8.62038M
Free cash flow 91.20M -10.20000M -3000.60000M -1358.50000M -536.06596M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
PPM
Pepper Money Ltd		 - -% 1.39 6.30 6.93 1.54 0.71 45.71 -
ZIP
Zip Co Limited		 - -% 2.91 291.00 384.62 4.38 9.53 6.75 16.29
LFS
Latitude Financial Services Group Limited		 - -% 1.15 - - 2.83 0.97 6.99 16.49
CCP
Credit Corp Group Ltd		 - -% 16.11 21.77 11.81 2.90 1.33 3.69 13.58
LFG
Liberty Financial Group Pty Ltd		 - -% 3.20 8.42 6.52 1.61 0.81 9.63 11.12

Reports Covered

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Profile

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 of residential home loans and small balance commercial real estate loans. The Asset Finance segment finances a range of asset types, such consumer, commercial, and novated leasing. The Loan and Other Servicing segment provides independent loan servicing, including residential home loans and personal loans. It also offers auto and equipment finance, third party loans, and broker services. The company was formerly known as Pepper Group Pty Limited. Pepper Money Limited was incorporated in 2000 and is based in North Sydney, Australia. Pepper Money Limited operates as a subsidiary of Pepper Group Anz Holdco Limited.

Pepper Money Ltd

177 Pacific Highway, North Sydney, NSW, Australia, 2060

Key Executives

Name Title Year Born
Mr. Mario Rehayem CEO & Director NA
Ms. Therese McGrath CFO & Director NA
Mr. Michael C. Culhane Group Chief Exec. Officer & Director 1968
Mr. Matthew Tinker Gen. Mang. of Operations NA
Mr. Neale Kant Chief Information Officer NA
Ms. Joanne Thrift Chief Marketing Officer NA
Mr. Ryan Brailsford Head of Sales NA
Ms. Sue Kent Head of HR NA
Mr. James Henshaw Head of Lenging Technology NA
Mr. Timothy Cecil Group Chief Risk Officer NA

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