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Everything you need to know about second charge mortgages
Mon 24 Nov 25, 06:00 AM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 146.50M | 139.90M | 148.70M | 201.70M | 186.30M |
| Minority interest | - | 0.60M | 2.00M | 0.50M | - |
| Net income | 104.60M | 98.80M | 110.70M | 141.00M | 312.90M |
| Selling general administrative | 199.90M | 146.80M | 138.20M | 123.80M | 109.40M |
| Selling and marketing expenses | - | 15.40M | 14.90M | 13.80M | 10.80M |
| Gross profit | 1386.60M | 1531.20M | 1447.20M | 351.70M | 324.00M |
| Reconciled depreciation | - | 19.40M | 21.90M | 20.40M | 20.50M |
| Ebit | 1109.00M | 1271.20M | 1259.00M | 202.20M | 364.50M |
| Ebitda | 1125.40M | 1290.60M | 1280.90M | 222.60M | 389.00M |
| Depreciation and amortization | 16.40M | 19.40M | 21.90M | 20.40M | 24.50M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 1109.00M | 1271.20M | 1259.00M | 202.20M | 368.50M |
| Other operating expenses | 340.60M | 1357.90M | 304.60M | 174.90M | 137.30M |
| Interest expense | 962.50M | 1094.70M | 1066.10M | 579.80M | 334.00M |
| Tax provision | 41.90M | 41.70M | 40.00M | 61.20M | 55.60M |
| Interest income | 26.00M | 1436.10M | 1402.20M | 15.40M | 10.10M |
| Net interest income | - | 341.40M | 336.10M | 375.60M | 356.30M |
| Extraordinary items | - | - | - | 0.00000M | 182.20M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 41.90M | 41.70M | 40.00M | 61.20M | 55.60M |
| Total revenue | 1449.60M | 1580.10M | 1523.70M | 427.80M | 395.70M |
| Total operating expenses | 277.60M | 193.90M | 188.20M | 174.90M | 137.30M |
| Cost of revenue | 63.00M | 48.90M | 76.50M | 76.10M | 71.70M |
| Total other income expense net | -962.50000M | -1150.70000M | -1110.30000M | -0.50000M | -182.20000M |
| Discontinued operations | - | - | - | - | 182.20M |
| Net income from continuing ops | - | 98.20M | 108.70M | 140.50M | 130.70M |
| Net income applicable to common shares | 104.60M | 98.80M | - | 141.00M | 312.90M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 18399.70M | 17472.40M | 20207.70M | 19919.40M | 17268.20M |
| Intangible assets | 121.50M | 30.10M | 42.80M | 54.10M | 31.50M |
| Earning assets | - | - | - | - | - |
| Other current assets | - | -13.90000M | - | - | - |
| Total liab | 17529.80M | 16616.80M | 19344.90M | 18992.60M | 16528.40M |
| Total stockholder equity | 869.90M | 855.60M | 825.40M | 801.90M | 636.40M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | -16483.40000M | - | -18992.60000M | -16528.40000M |
| Common stock | 738.00M | 730.70M | - | 729.60M | 729.30M |
| Capital stock | - | 730.70M | 729.80M | 729.60M | 729.30M |
| Retained earnings | 84.70M | 100.30M | 45.60M | -27.50000M | -105.30000M |
| Other liab | - | - | - | 20.70M | 11.80M |
| Good will | 98.20M | 98.20M | 98.20M | 98.20M | - |
| Other assets | 1192.10M | 17472.40M | - | 18474.60M | 15886.30M |
| Cash | 1267.00M | 1226.20M | 1528.70M | 1243.60M | 1309.20M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | - | - | - | 18992.60M | 16528.40M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 16148.20M | 15241.20M | 17728.30M | 17735.60M | 15208.00M |
| Short term debt | 0.00000M | 16467.40M | - | 18979.20M | 16517.20M |
| Short long term debt | - | 16467.40M | 19257.00M | 18979.20M | 16517.20M |
| Short long term debt total | 17415.20M | 16467.40M | - | 18979.20M | 16517.20M |
| Other stockholder equity | 23.60M | - | - | 90.00M | 12.40M |
| Property plant equipment | 18.90M | - | - | 19.00M | 6.60M |
| Total current assets | 1292.20M | 1241.50M | - | 1254.10M | 1320.80M |
| Long term investments | - | 15.30M | 19.20M | 19.40M | 23.00M |
| Net tangible assets | - | - | - | 649.60M | 604.90M |
| Short term investments | - | 15.30M | 0.20M | 0.20M | 2.20M |
| Net receivables | 25.20M | 13.90M | 21.20M | 10.30M | 9.40M |
| Long term debt | 17372.40M | - | - | 18979.20M | 16517.20M |
| Inventory | - | - | - | - | - |
| Accounts payable | - | 16.00M | 17.10M | 13.40M | 11.20M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | 47.20M | 24.60M | - | 99.80M | 12.40M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 10.30M | -169.00000M | - | -190.70000M | -61.10000M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 17107.50M | 16230.90M | - | 190.70M | 61.10M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | 17390.40M | - | - | 18997.40M | 16517.20M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -49.30000M | -7.50000M | -87.60000M | -4.00000M |
| Change to liabilities | - | - | - | 2.30M | -4.00000M |
| Total cashflows from investing activities | -5.70000M | -49.30000M | - | -87.60000M | -266.40000M |
| Net borrowings | - | -2805.70000M | - | 2383.20M | 2279.40M |
| Total cash from financing activities | 761.30M | -2852.10000M | 194.30M | 2319.90M | 3680.60M |
| Change to operating activities | - | - | - | -2593.50000M | -2594.00000M |
| Net income | - | 98.80M | 110.70M | 141.00M | 130.70M |
| Change in cash | 40.80M | -302.50000M | 285.10M | -65.60000M | 423.70M |
| Begin period cash flow | 1226.20M | 1528.70M | 1243.60M | 1309.20M | 885.50M |
| End period cash flow | - | 1226.20M | 1528.70M | 1243.60M | 1309.20M |
| Total cash from operating activities | -714.80000M | 2598.90M | 98.30M | -2297.90000M | -2990.50000M |
| Issuance of capital stock | - | - | - | - | 488.20M |
| Depreciation | - | - | 21.90M | 7.60M | 24.50M |
| Other cashflows from investing activities | 0.00000M | -41.90000M | - | -77.40000M | -32.80000M |
| Dividends paid | 115.40M | -44.10000M | 37.80M | 63.30M | 63.30M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | -5.60000M | -2.20000M |
| Sale purchase of stock | -0.40000M | -2.50000M | - | 0.00000M | 488.20M |
| Other cashflows from financing activities | 0.00000M | 0.20M | 470.80M | 11403.10M | 3200.70M |
| Change to netincome | - | - | - | 39.80M | -808.10000M |
| Capital expenditures | 5.70M | 7.40M | 7.10M | 10.20M | 10.10M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | 174.00M | 2252.50M | -203.90000M | -1770.10000M | -3257.30000M |
| Stock based compensation | - | - | 21.80M | 15.50M | 14.80M |
| Other non cash items | - | 346.40M | 169.60M | 127.60M | 166.80M |
| Free cash flow | - | 2591.50M | 91.20M | -10.20000M | -3000.60000M |
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) | |
|---|---|---|---|---|---|---|---|---|
| PPM Pepper Money Ltd |
0.04 1.81% | 2.25 | 9.65 | 10.41 | 2.49 | 1.18 | 45.98 | |
| ZIP ZIP Co Ltd |
-0.01 0.59% | 1.69 | 23.02 | 15.60 | 1.92 | 3.41 | 3.79 | 11.48 |
| LFG Liberty Financial Group |
-0.16 4.38% | 3.49 | 7.81 | 7.05 | 1.82 | 0.96 | 9.61 | 0.17 |
| LFS Latitude Group Holdings Ltd |
- -% | 0.95 | 11.88 | - | 1.83 | 0.79 | 6.48 | 13.48 |
| CCP Credit Corp Group Ltd |
-0.16 1.42% | 11.14 | 8.63 | 7.37 | 1.76 | 0.90 | 2.50 | 6.87 |
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 for residential home loans, small balance commercial real estate loans, and self-managed super fund mortgages. The Asset Finance segment finances a range of asset types for consumer and commercial customers. The Loan and Other Servicing segment provides independent loan servicing for mortgages, and asset finance and personal loans. It also offers auto and equipment finance, novated leases, and third-party loan services. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia. Pepper Money Limited is a subsidiary of Pepper Group Anz Holdco Limited.
177 Pacific Highway, North Sydney, NSW, Australia, 2060
| 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 |
Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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