Digital Platforms And AI Will Transform Nonbank Lending

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

12 Feb 25

Updated

22 Aug 25

Views

72

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

55.9%

7D

0.5%

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1Y

55.9%

7D

0.5%

You can edit this narrative until Aug 22 11:10 AM. Then, changes will post as Updates.

Author's Valuation

AU$2.142.5% overvalued

AnalystConsensusTarget Fair Value

Shared on 22 Aug 25

Fair value Increased 22%

The consensus price target for Pepper Money has risen to A$2.05, primarily reflecting improved revenue growth and higher net profit margin forecasts. What's in the News Blackstone and other private equity firms, including BGH Capital and Apollo Global Management, considered acquiring KKR-backed Pepper Money, but discussions did not progress due to a valuation gap; KKR sought around $1.85 billion, while interest from Blackstone was closer to $1 billion.

Shared on 01 May 25

Fair value Increased 4.79%

Shared on 23 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 17 Apr 25

Fair value Increased 0.60%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 09 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 02 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

Fair value Increased 0.61%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 13 Mar 25

Fair value Decreased 0.36%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

AnalystConsensusTarget Fair Value

AU$2.14

2.5% overvalued

Future estimation in

Growth p.a.

Growth p.a.

%

Decrease

Increase

Current revenue growth rate

10.88%

Diversified Financial revenue growth rate

0.30%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

11.72%

Calculation

AU$140.87m

Earnings '28

x

9.56x

PE Ratio '28

=

AU$1.35b

Market Cap '28

AU$1.35b

Market Cap '28

/

454.66m

No. shares '28

=

AU$2.96

Share Price '28

AU$2.96 Share Price '28

Discounted to 2025 @ 11.53% p.a.

=

AU$2.13

Fair Value '25