Pepper Money (PPM) Stock Overview
Operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 3/6 |
| Past Performance | 1/6 |
| Financial Health | 2/6 |
| Dividends | 4/6 |
PPM Community Fair Values
Create NarrativeSee what 14 others think this stock is worth. Follow their fair value or set your own to get alerts.
Pepper Money Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | AU$2.23 |
| 52 Week High | AU$2.32 |
| 52 Week Low | AU$1.27 |
| Beta | 1.1 |
| 1 Month Change | 9.31% |
| 3 Month Change | 17.68% |
| 1 Year Change | 54.33% |
| 3 Year Change | 46.71% |
| 5 Year Change | n/a |
| Change since IPO | -14.56% |
Recent News & Updates
Recent updates
Pepper Money Limited's (ASX:PPM) Earnings Are Not Doing Enough For Some Investors
Aug 22
Pepper Money Limited (ASX:PPM) Shares Fly 27% But Investors Aren't Buying For Growth
May 08
Launching Sharia Lending And Super Fund Mortgages Will Capture Future Niche Markets
New product launches in niche markets could boost revenue through diversified offerings and capital efficiency.Investors Aren't Buying Pepper Money Limited's (ASX:PPM) Earnings
Jun 21Pepper Money Limited (ASX:PPM) Analysts Are Pretty Bullish On The Stock After Recent Results
Mar 03Insufficient Growth At Pepper Money Limited (ASX:PPM) Hampers Share Price
Mar 02Pepper Money's (ASX:PPM) Dividend Is Being Reduced To A$0.035
Aug 27Shareholder Returns
| PPM | AU Diversified Financial | AU Market | |
|---|---|---|---|
| 7D | 4.7% | 0.6% | -1.5% |
| 1Y | 54.3% | 23.7% | 9.4% |
Return vs Industry: PPM exceeded the Australian Diversified Financial industry which returned 23.7% over the past year.
Return vs Market: PPM exceeded the Australian Market which returned 9.4% over the past year.
Price Volatility
| PPM volatility | |
|---|---|
| PPM Average Weekly Movement | 5.0% |
| Diversified Financial Industry Average Movement | 5.7% |
| Market Average Movement | 9.6% |
| 10% most volatile stocks in AU Market | 20.2% |
| 10% least volatile stocks in AU Market | 3.5% |
Stable Share Price: PPM has not had significant price volatility in the past 3 months compared to the Australian market.
Volatility Over Time: PPM's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2000 | n/a | Mario Rehayem | www.peppermoney.com.au |
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.
Pepper Money Limited Fundamentals Summary
| PPM fundamental statistics | |
|---|---|
| Market cap | AU$991.26m |
| Earnings (TTM) | AU$99.10m |
| Revenue (TTM) | AU$388.20m |
Is PPM overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PPM income statement (TTM) | |
|---|---|
| Revenue | AU$388.20m |
| Cost of Revenue | AU$26.50m |
| Gross Profit | AU$361.70m |
| Other Expenses | AU$262.60m |
| Earnings | AU$99.10m |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.22 |
| Gross Margin | 93.17% |
| Net Profit Margin | 25.53% |
| Debt/Equity Ratio | 2,081.8% |
How did PPM perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/01 14:39 |
| End of Day Share Price | 2025/10/31 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Pepper Money Limited is covered by 8 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Thomas Strong | Citigroup Inc |
| Thomas Strong | Citigroup Inc |
| Jeff Cai | Citigroup Inc |