Pepper Money Balance Sheet Health
Financial Health criteria checks 3/6
Pepper Money has a total shareholder equity of A$862.8M and total debt of A$19.3B, which brings its debt-to-equity ratio to 2232.4%. Its total assets and total liabilities are A$20.2B and A$19.3B respectively.
Key information
2,232.4%
Debt to equity ratio
AU$19.26b
Debt
| Interest coverage ratio | n/a |
| Cash | AU$1.60b |
| Equity | AU$862.80m |
| Total liabilities | AU$19.34b |
| Total assets | AU$20.21b |
Financial Position Analysis
Short Term Liabilities: PPM's short term assets (A$20.0B) exceed its short term liabilities (A$48.9M).
Long Term Liabilities: PPM's short term assets (A$20.0B) exceed its long term liabilities (A$19.3B).
Debt to Equity History and Analysis
Debt Level: PPM's net debt to equity ratio (2046.9%) is considered high.
Reducing Debt: PPM's debt to equity ratio has reduced from 2473.5% to 2232.4% over the past 5 years.
Debt Coverage: PPM's debt is not well covered by operating cash flow (0.5%).
Interest Coverage: Insufficient data to determine if PPM's interest payments on its debt are well covered by EBIT.