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Pepper Money Ltd

Financial Services AU PPM

1.575AUD
0.03(1.61%)

Last update at 2024-04-29T02:06:00Z

Day Range

1.501.57
LowHigh

52 Week Range

1.091.70
LowHigh

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 201.70M 186.30M 141.51M 80.04M 24.56M
Minority interest 0.50M - 1.00M 1.10M 0.98M
Net income 141.00M 312.90M -29.59300M 49.91M 20.51M
Selling general administrative 123.80M 109.40M 123.09M 122.58M 410.26M
Selling and marketing expenses 13.80M 10.80M - - -
Gross profit 427.80M 395.70M 375.61M 288.93M 653.75M
Reconciled depreciation 20.40M 20.50M - - -
Ebit 202.20M 368.50M - - -
Ebitda 222.60M 389.00M - - -
Depreciation and amortization 20.40M 20.50M - - -
Non operating income net other - - - - -
Operating income 202.20M 368.50M 155.75M 88.73M 44.61M
Other operating expenses 174.90M 137.30M 6.00M 196.76M 112.27M
Interest expense 579.80M 334.00M 0.00000M 0.00000M 0.00000M
Tax provision 61.20M 55.60M 42.09M 21.87M 3.61M
Interest income 15.40M 10.10M 14.23M 8.69M 20.05M
Net interest income 375.60M 356.30M - - -
Extraordinary items 0.00000M 182.20M -129.38200M -8.32500M -
Non recurring - - - - -
Other items - - - - -
Income tax expense 61.20M 55.60M 42.10M 15.18M 3.61M
Total revenue 427.80M 395.70M 774.12M 778.96M 1080.24M
Total operating expenses 174.90M 137.30M - - -
Cost of revenue 622.20M 370.90M 398.52M 490.03M 426.49M
Total other income expense net -0.50000M -182.20000M - - -
Discontinued operations - 182.20M -129.40000M -129.40000M -129.40000M
Net income from continuing ops 140.50M 130.70M - - -
Net income applicable to common shares 141.00M 312.90M -29.60000M 49.91M 20.51M
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 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -87.60000M -4.00000M -3.90000M 14.91M -27.89800M
Change to liabilities 2.30M -4.00000M 7.00M 58.88M 4.90M
Total cashflows from investing activities -87.60000M -266.40000M -48.70000M -4609.55300M -5311.64500M
Net borrowings 2383.20M 2279.40M 262.60M 3587.06M 4540.02M
Total cash from financing activities 2319.90M 3680.60M 1555.50M 4765.80M 5338.85M
Change to operating activities -2593.50000M -2594.00000M -320.80000M 85.09M 81.74M
Net income 141.00M 312.90M -29.60000M 49.91M 20.51M
Change in cash -65.60000M 423.70M 160.20M 607.29M 346.18M
Begin period cash flow 1309.20M 885.50M - - -
End period cash flow 1243.60M 1309.20M 885.50M - -
Total cash from operating activities -2297.90000M -2990.50000M -1346.60000M 454.98M 293.19M
Issuance of capital stock - 488.20M - - -
Depreciation 7.60M 10.80M 13.30M 35.33M 16.93M
Other cashflows from investing activities -77.40000M -32.80000M -79.20000M -35.62200M -24.30500M
Dividends paid -63.30000M 63.30M 63.30M 63.30M -
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock 0.00000M 488.20M 0.00000M 245.65M 50.00M
Other cashflows from financing activities 11403.10M 3200.70M 1292.90M 933.09M 748.84M
Change to netincome 39.80M -808.10000M -1099.10000M 225.77M 169.10M
Capital expenditures 10.20M 10.10M 19.45M 60.46M 9.44M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -1770.10000M -2679.20000M 771.97M 821.69M 454.90M
Stock based compensation - - - - -
Other non cash items - - - - -
Free cash flow -10.20000M -10.10000M - - -

Fundamentals

  • Previous Close 1.55
  • Market Cap666.73M
  • Volume58247
  • P/E Ratio6.29
  • Dividend Yield5.63%
  • EBITDA-
  • Revenue TTM417.70M
  • Revenue Per Share TTM0.95
  • Gross Profit TTM 399.60M
  • Diluted EPS TTM0.24

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		 0.03 1.61% 1.57 6.29 7.03 1.65 0.83 35.76 -
ZIP
Zip Co Limited		 0.08 6.93% 1.24 - 217.39 1.85 3.48 5.03 13.57
LFS
Latitude Financial Services Group Limited		 -0.01 0.85% 1.16 - - 2.99 0.98 6.99 27.09
LFG
Liberty Financial Group Pty Ltd		 0.06 1.53% 3.97 6.63 5.55 1.84 0.99 11.31 11.82
CCP
Credit Corp Group Ltd		 0.08 0.48% 16.72 23.99 13.91 3.28 1.53 3.51 14.90

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 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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