Pepper Money Balance Sheet Health
Financial Health criteria checks 3/6
Pepper Money has a total shareholder equity of A$859.4M and total debt of A$17.5B, which brings its debt-to-equity ratio to 2037.8%. Its total assets and total liabilities are A$18.5B and A$17.7B respectively.
Key information
2,037.8%
Debt to equity ratio
AU$17.51b
Debt
| Interest coverage ratio | n/a |
| Cash | AU$1.19b |
| Equity | AU$859.40m |
| Total liabilities | AU$17.66b |
| Total assets | AU$18.51b |
Recent financial health updates
No updates
Recent updates
Investors Aren't Buying Pepper Money Limited's (ASX:PPM) Earnings
Jun 21
Pepper 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 27Financial Position Analysis
Short Term Liabilities: PPM's short term assets (A$18.3B) exceed its short term liabilities (A$18.0M).
Long Term Liabilities: PPM's short term assets (A$18.3B) exceed its long term liabilities (A$17.6B).
Debt to Equity History and Analysis
Debt Level: PPM's net debt to equity ratio (1899.6%) is considered high.
Reducing Debt: PPM's debt to equity ratio has reduced from 2263.8% to 2037.8% over the past 5 years.
Debt Coverage: PPM's debt is not well covered by operating cash flow (7%).
Interest Coverage: Insufficient data to determine if PPM's interest payments on its debt are well covered by EBIT.
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/03 08:12 |
| End of Day Share Price | 2025/01/03 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| 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 here.
Analysis Model and Snowflake
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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 .
Analyst Sources
Pepper Money Limited is covered by 11 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 |
| Paul Buys | Credit Suisse |