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
09 Apr 25	BuyAU$19,785	James O'Shea	Individual	15,000	AU$1.32
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 bought more shares than they have sold in the past 3 months.

Ownership Breakdown

What is the ownership structure of PPM?
Owner Type	Number of Shares	Ownership Percentage
Individual Insiders	20,133,993	4.53%
General Public	64,845,668	14.6%
Institutions	91,349,287	20.6%
Private Companies	267,691,228	60.3%

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

Top Shareholders

Top 25 shareholders own 85.31% of the company

Ownership	Name	Shares	Current Value	Change %	Portfolio %
60%	Pepper Global TopCo Limited	266,354,487	AU$358.2m	0%	no data
11.3%	Australian Super Pty Ltd	50,289,929	AU$67.6m	0%	0.08%
5.01%	Australian Ethical Investment Limited	22,236,910	AU$29.9m	0%	3.48%
1.91%	Netwealth Investments Ltd.	8,491,514	AU$11.4m	-22.9%	0.08%
1.8%	Mario Rehayem	8,014,235	AU$10.8m	47.3%	no data
1.76%	Michael Culhane	7,820,624	AU$10.5m	0%	no data
1.23%	Nt-Comnwlth Super Corp	5,465,529	AU$7.4m	19.4%	0.07%
0.86%	Dimensional Fund Advisors LP	3,824,525	AU$5.1m	7.25%	no data
0.32%	David Moore	1,400,000	AU$1.9m	27.3%	no data
0.2%	Rhodium Capital Pty Limited	900,000	AU$1.2m	0%	no data
0.14%	John Williams	637,858	AU$857.9k	0%	no data
0.14%	Sue Kent	618,964	AU$832.5k	0%	no data
0.13%	Sally Thompson	595,501	AU$801.0k	0%	no data
0.098%	Gole Family Trust	436,741	AU$587.4k	13%	no data
0.086%	Therese McGrath	382,310	AU$514.2k	0%	no data
0.071%	UBS Asset Management AG	314,653	AU$423.2k	0%	no data
0.046%	Teachers Insurance and Annuity Association-College Retirement Equities Fund	202,171	AU$271.9k	0%	no data
0.035%	Linda Tenna	157,500	AU$211.8k	0%	no data
0.035%	Romano Tenna	157,500	AU$211.8k	0%	no data
0.021%	Robert Verlander	91,697	AU$123.3k	0%	no data
0.021%	The Vanguard Group, Inc.	91,471	AU$123.0k	-82.4%	no data
0.019%	Northern Trust Global Investments	84,598	AU$113.8k	0%	no data
0.019%	State Street Global Advisors, Inc.	84,260	AU$113.3k	-59.9%	no data
0.017%	James O'Shea	76,523	AU$102.9k	24.4%	no data
0.017%	Akiko Jackson	74,395	AU$100.0k	0%	no data

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/04/16 16:14
End of Day Share Price	2025/04/16 00:00
Earnings	2024/12/31
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	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.

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 10 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