Pepper Money Ownership

Who are the major shareholders and have insiders been buying or selling?

Recent Insider Transactions

ASX:PPM Recent Insider Transactions by Companies or Individuals
Date	Value	Name	Entity	Shares	Max Price
02 Dec 24	SellAU$39,757	Mario Rehayem	Individual	29,287	AU$1.36
09 Sep 24	BuyAU$27,200	James O'Shea	Individual	20,000	AU$1.36
11 Aug 24	BuyAU$51,646,908	Australian Ethical Investment Limited	Company	21,816,910	AU$2.37

Insider Trading Volume

Insider Buying: PPM insiders have only sold shares in the past 3 months.

Ownership Breakdown

What is the ownership structure of PPM?
Owner Type	Number of Shares	Ownership Percentage
Individual Insiders	18,579,775	4.22%
General Public	60,908,682	13.8%
Institutions	93,743,879	21.3%
Private Companies	266,740,870	60.6%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Top 25 shareholders own 86.1% of the company

Ownership	Name	Shares	Current Value	Change %	Portfolio %
60.5%	Pepper Global TopCo Limited	266,354,487	AU$375.6m	0.02%	no data
11.4%	Australian Super Pty Ltd	50,289,929	AU$70.9m	0%	0.08%
5.05%	Australian Ethical Investment Limited	22,236,910	AU$31.4m	0%	3.31%
2.5%	Netwealth Investments Ltd.	11,009,142	AU$15.5m	0%	0.11%
1.78%	Michael Culhane	7,820,624	AU$11.0m	0%	no data
1.6%	Mario Rehayem	7,055,623	AU$9.9m	-0.41%	no data
1.04%	Nt-Comnwlth Super Corp	4,578,456	AU$6.5m	0%	0.06%
0.76%	Dimensional Fund Advisors LP	3,355,953	AU$4.7m	13.4%	no data
0.25%	David Moore	1,100,000	AU$1.6m	0%	no data
0.18%	BlackRock, Inc.	772,070	AU$1.1m	7.01%	no data
0.14%	John Williams	637,858	AU$899.4k	0%	no data
0.14%	Sue Kent	618,964	AU$872.7k	0%	no data
0.14%	Sally Thompson	595,501	AU$839.7k	0%	no data
0.12%	The Vanguard Group, Inc.	543,104	AU$765.8k	1.16%	no data
0.088%	Gole Family Trust	386,383	AU$544.8k	0%	no data
0.072%	UBS Asset Management AG	314,653	AU$443.7k	0%	no data
0.048%	State Street Global Advisors, Inc.	209,585	AU$295.5k	-0.75%	no data
0.046%	Teachers Insurance and Annuity Association-College Retirement Equities Fund	202,171	AU$285.1k	0%	no data
0.036%	Linda Tenna	157,500	AU$222.1k	0%	no data
0.036%	Romano Tenna	157,500	AU$222.1k	0%	no data
0.023%	Therese McGrath	101,704	AU$143.4k	0%	no data
0.021%	Robert Verlander	91,697	AU$129.3k	0%	no data
0.019%	Northern Trust Global Investments	84,598	AU$119.3k	-7.48%	no data
0.017%	Akiko Jackson	74,395	AU$104.9k	0%	no data
0.014%	James O'Shea	61,523	AU$86.7k	48.2%	no data

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 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