Pepper Money Past Earnings Performance

Past criteria checks 2/6

Pepper Money has been growing earnings at an average annual rate of 23.6%, while the Diversified Financial industry saw earnings growing at 13.4% annually. Revenues have been declining at an average rate of 0.6% per year. Pepper Money's return on equity is 13.8%, and it has net margins of 27.8%.

Key information

23.6%

Earnings growth rate

-2.1%

EPS growth rate

Diversified Financial Industry Growth	13.4%
Revenue growth rate	-0.6%
Return on equity	13.8%
Net Margin	27.8%
Next Earnings Update	09 Feb 2024

Recent past performance updates

Recent updates

Pepper Money's (ASX:PPM) Dividend Is Being Reduced To A$0.035

Aug 27

This section of the company report contains some beta features.

Revenue & Expenses Breakdown
Beta

How Pepper Money makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

ASX:PPM Revenue, expenses and earnings (AUD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 23	438	122	187
31 Mar 23	444	131	179
31 Dec 22	451	141	171
30 Jun 22	441	147	153
31 Mar 22	427	139	154
31 Dec 21	413	131	155
30 Jun 21	384	116	148
31 Mar 21	367	108	141
31 Dec 20	350	100	133
31 Dec 19	613	50	325
31 Dec 18	462	21	311
31 Dec 17	410	41	242
30 Jun 17	382	65	220
31 Mar 17	376	64	220
31 Dec 16	370	62	219
30 Sep 16	359	43	227
30 Jun 16	349	24	235
31 Mar 16	321	14	225
31 Dec 15	294	3	215
30 Sep 15	278	20	184
30 Jun 15	262	36	152
31 Mar 15	247	37	139
31 Dec 14	232	38	125
31 Dec 13	148	29	58
31 Dec 12	92	25	27

Quality Earnings: PPM has high quality earnings.

Growing Profit Margin: PPM's current net profit margins (27.8%) are lower than last year (33.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PPM's earnings have grown significantly by 23.6% per year over the past 5 years.

Accelerating Growth: PPM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: PPM had negative earnings growth (-17.1%) over the past year, making it difficult to compare to the Diversified Financial industry average (11.8%).

Return on Equity

High ROE: PPM's Return on Equity (13.8%) is considered low.

Return on Assets

Return on Capital Employed

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Pepper Money Past Earnings Performance

Past criteria checks 2/6

Key information

Recent past performance updates

Pepper Money Limited to Report Fiscal Year 2023 Results on Feb 09, 2024

First half 2023 earnings: EPS and revenues miss analyst expectations

Pepper Money Limited to Report First Half, 2023 Results on Aug 23, 2023

Full year 2022 earnings released: EPS: AU$0.32 (vs AU$0.36 in FY 2021)

First half 2022 earnings: EPS and revenues miss analyst expectations

Pepper Money Limited to Report First Half, 2022 Results on Aug 24, 2022

Recent updates

Pepper Money Limited to Report Fiscal Year 2023 Results on Feb 09, 2024

Upcoming dividend of AU$0.035 per share at 5.2% yield

Pepper Money Limited (ASX:PPM) entered into a binding agreement to acquire mortgage portfolio in New Zealand from The Hongkong and Shanghai Banking Corporation Limited.

Price target decreased by 7.8% to AU$1.73

Pepper Money's (ASX:PPM) Dividend Is Being Reduced To A$0.035

First half 2023 earnings: EPS and revenues miss analyst expectations

Pepper Money Limited Announces Ordinary Fully Franked Dividend for the Six Months Ended June 30, 2023, Payable on October 12, 2023

Investor sentiment deteriorates as stock falls 16%

Investor sentiment improves as stock rises 16%

BGH Capital Reportedly Sniffs Out Possible Deal to Buy Pepper Money

Pepper Money Limited to Report First Half, 2023 Results on Aug 23, 2023

Price target increased by 9.4% to AU$1.93

Price target decreased by 15% to AU$1.77

Price target decreased by 15% to AU$1.77

Investor sentiment deteriorates as stock falls 17%

Upcoming dividend of AU$0.051 per share at 7.0% yield

High number of new directors

Full year 2022 earnings released: EPS: AU$0.32 (vs AU$0.36 in FY 2021)

Price target increased to AU$2.20

Upcoming dividend of AU$0.054 per share

Price target decreased to AU$1.92

First half 2022 earnings: EPS and revenues miss analyst expectations

Pepper Money Limited Announces Dividend for Period of Six Months Ended June 30, 2022, Payment Date Is October 14, 2022

Investor sentiment improved over the past week

Price target decreased to AU$2.62

Pepper Money Limited to Report First Half, 2022 Results on Aug 24, 2022

Investor sentiment deteriorated over the past week

Pepper Money Limited (ASX:PPM) agreed to acquire 65% stake in Stratton Finance Pty Ltd for AUD 78 million.

Pepper Money Limited, Annual General Meeting, Apr 28, 2022

Independent Non-Executive Director exercised options to buy AU$68k worth of stock.

Full year 2021 earnings: EPS and revenues exceed analyst expectations

Pepper Money Limited Announces Dividend for the Year Ended December 31, 2021, Payable on April 14, 2022

Insufficient new directors

Pepper Money Limited has completed an IPO in the amount of AUD 500.536605 million.

Revenue & Expenses BreakdownBeta