Pepper Money

Rising Prime Mortgage Competition And Credit Normalization Will Pressure Margins And Future Earnings

AnalystLowTarget

Not Invested

Community Contributor

Published

14 Dec 25

Views

n/a

AnalystLowTarget's Fair Value

n/a

55.9%

0.5%

55.9%

0.5%

You can edit this narrative until Dec 15 11:05 AM. Then, changes will post as Updates.

Author's Valuation

AU$1.8518.4% overvalued

AnalystLowTarget Fair Value

Narrative

Updates0

AnalystLowTarget Fair Value

AU$1.85

18.4% overvalued

Future estimation in

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.

Decrease

Increase

Current discount rate

11.72%

Calculation

AU$119.49m

Earnings '28

9.84x

PE Ratio '28

AU$1.18b

Market Cap '28

AU$1.18b

Market Cap '28

455.89m

No. shares '28

AU$2.58

Share Price '28

AU$2.58 Share Price '28

Discounted to 2025 @ 11.72% p.a.

AU$1.85

Fair Value '25