Pepper Money Limited

ASX:PPM Stock Report

Market Cap: AU$618.2m

Pepper Money Management

Management criteria checks 3/4

Pepper Money's CEO is Mario Rehayem, appointed in Sep 2017, has a tenure of 7.25 years. total yearly compensation is A$3.14M, comprised of 30.5% salary and 69.5% bonuses, including company stock and options. directly owns 1.6% of the company’s shares, worth A$9.91M. The average tenure of the management team and the board of directors is 4.4 years and 3.6 years respectively.

Key information

Mario Rehayem

Chief executive officer

AU$3.1m

Total compensation

CEO salary percentage30.5%
CEO tenure7.3yrs
CEO ownership1.6%
Management average tenure4.4yrs
Board average tenure3.6yrs

Recent management updates

Recent updates

Investors Aren't Buying Pepper Money Limited's (ASX:PPM) Earnings

Jun 21
Investors Aren't Buying Pepper Money Limited's (ASX:PPM) Earnings

Pepper Money Limited (ASX:PPM) Analysts Are Pretty Bullish On The Stock After Recent Results

Mar 03
Pepper Money Limited (ASX:PPM) Analysts Are Pretty Bullish On The Stock After Recent Results

Insufficient Growth At Pepper Money Limited (ASX:PPM) Hampers Share Price

Mar 02
Insufficient Growth At Pepper Money Limited (ASX:PPM) Hampers Share Price

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

Aug 27
Pepper Money's (ASX:PPM) Dividend Is Being Reduced To A$0.035

CEO Compensation Analysis

How has Mario Rehayem's remuneration changed compared to Pepper Money's earnings?
DateTotal CompensationSalaryCompany Earnings
Jun 30 2024n/an/a

AU$104m

Mar 31 2024n/an/a

AU$108m

Dec 31 2023AU$3mAU$957k

AU$111m

Sep 30 2023n/an/a

AU$116m

Jun 30 2023n/an/a

AU$122m

Mar 31 2023n/an/a

AU$131m

Dec 31 2022AU$3mAU$957k

AU$141m

Jun 30 2022n/an/a

AU$147m

Mar 31 2022n/an/a

AU$139m

Dec 31 2021AU$3mAU$912k

AU$131m

Compensation vs Market: Mario's total compensation ($USD1.96M) is above average for companies of similar size in the Australian market ($USD884.15K).

Compensation vs Earnings: Mario's compensation has been consistent with company performance over the past year.

CEO

Mario Rehayem

7.3yrs

Tenure

AU$3,140,253

Compensation

Mr. Mario Rehayem joined Pepper Money Limited in 2011 and has held various roles including Managing Director, Australian Mortgages and Personal Loans, Director of Sales and Distribution, Australian Mortgag...

Leadership Team

NamePositionTenureCompensationOwnership
Mario Rehayem
CEO & Director7.3yrsAU$3.14m1.6%
A$ 9.9m
Therese McGrath
Chief Financial Officer4.4yrsAU$1.66m0.023%
A$ 142.9k
Steven Meek
Chief Information Officerno datano datano data
John Williams
General Counsel & Company Secretary10.6yrsno data0.14%
A$ 896.2k
Sarah Pikardt
General Manager of Marketing & Brandno datano datano data
Sue Kent
Chief Human Resource Officer15.9yrsno data0.14%
A$ 869.6k
Michael Vainauskas
Chief Risk Officer4.3yrsno datano data
Matthew Tinker
Chief Service Officerno datano datano data
Neil Culkin
Head of Credit and Settlements – Mortgages & Commercial Lendingno datano datano data
Andrew Gamble
Head of Sales - Asset Financeless than a yearno datano data
Matt Perry
Head of Product for Asset Financeless than a yearno datano data
Anthony Moir
Treasurer3.8yrsno datano data

4.4yrs

Average Tenure

Experienced Management: PPM's management team is considered experienced (4.4 years average tenure).

Board Members

NamePositionTenureCompensationOwnership
Mario Rehayem
CEO & Director6.6yrsAU$3.14m1.6%
A$ 9.9m
Michael Cutter
Independent Non-Executive Director3.6yrsAU$141.00k0.013%
A$ 80.2k
James O'Shea
Shareholder Representative Non-Executive Director3.6yrsAU$141.00k0.014%
A$ 86.4k
Vaibhav Piplapure
Shareholder Representative Non-Executive Directorless than a yearno datano data
Akiko Jackson
Independent Non-Executive Director3.6yrsAU$141.00k0.017%
A$ 104.5k
Justine Turnbull
Independent Non-Executive Director3.6yrsAU$141.00k0.011%
A$ 70.0k
Robert Verlander
Independent Non-Executive Director3.6yrsAU$141.00k0.021%
A$ 128.8k

3.6yrs

Average Tenure

Experienced Board: PPM's board of directors are considered experienced (3.6 years average tenure).

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 06:37
End of Day Share Price 2024/12/23 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

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 .

Analyst Sources

Pepper Money Limited is covered by 12 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.

AnalystInstitution
Russell WrightBarclay Pearce Capital Pty Limited
Thomas StrongCitigroup Inc
Thomas StrongCitigroup Inc