Pepper Money Past Earnings Performance
Past criteria checks 2/6
Pepper Money has been growing earnings at an average annual rate of 17.2%, while the Diversified Financial industry saw earnings growing at 27.2% annually. Revenues have been declining at an average rate of 2.5% per year. Pepper Money's return on equity is 12.6%, and it has net margins of 26.5%.
Key information
17.2%
Earnings growth rate
-6.1%
EPS growth rate
| Diversified Financial Industry Growth | 13.4% |
| Revenue growth rate | -2.5% |
| Return on equity | 12.6% |
| Net Margin | 26.5% |
| Last Earnings Update | 31 Dec 2023 |
Revenue & Expenses BreakdownBeta
How Pepper Money makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 418 | 111 | 188 | 0 |
| 30 Sep 23 | 428 | 116 | 188 | 0 |
| 30 Jun 23 | 438 | 122 | 187 | 0 |
| 31 Mar 23 | 444 | 131 | 179 | 0 |
| 31 Dec 22 | 451 | 141 | 171 | 0 |
| 30 Jun 22 | 441 | 147 | 153 | 0 |
| 31 Mar 22 | 427 | 139 | 154 | 0 |
| 31 Dec 21 | 413 | 131 | 155 | 0 |
| 30 Jun 21 | 384 | 116 | 148 | 0 |
| 31 Mar 21 | 367 | 108 | 141 | 0 |
| 31 Dec 20 | 350 | 100 | 133 | 0 |
| 31 Dec 19 | 613 | 50 | 325 | 0 |
| 31 Dec 18 | 462 | 21 | 311 | 0 |
| 31 Dec 17 | 410 | 41 | 242 | 0 |
| 30 Jun 17 | 382 | 65 | 220 | 0 |
| 31 Mar 17 | 376 | 64 | 220 | 0 |
| 31 Dec 16 | 370 | 62 | 219 | 0 |
| 30 Sep 16 | 359 | 43 | 227 | 0 |
| 30 Jun 16 | 349 | 24 | 235 | 0 |
| 31 Mar 16 | 321 | 14 | 225 | 0 |
| 31 Dec 15 | 294 | 3 | 215 | 0 |
| 30 Sep 15 | 278 | 20 | 184 | 0 |
| 30 Jun 15 | 262 | 36 | 152 | 0 |
| 31 Mar 15 | 247 | 37 | 139 | 0 |
| 31 Dec 14 | 232 | 38 | 125 | 0 |
| 31 Dec 13 | 148 | 29 | 58 | 0 |
Quality Earnings: PPM has high quality earnings.
Growing Profit Margin: PPM's current net profit margins (26.5%) are lower than last year (31.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PPM's earnings have grown by 17.2% per year over the past 5 years.
Accelerating Growth: PPM's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PPM had negative earnings growth (-21.5%) over the past year, making it difficult to compare to the Diversified Financial industry average (33.2%).
Return on Equity
High ROE: PPM's Return on Equity (12.6%) is considered low.