Pepper Money Future Growth

Future criteria checks 2/6

Pepper Money is forecast to grow earnings and revenue by 9.4% and 6.2% per annum respectively. EPS is expected to grow by 10% per annum. Return on equity is forecast to be 12.6% in 3 years.

Key information

9.4%

Earnings growth rate

10.0%

EPS growth rate

Diversified Financial earnings growth	7.7%
Revenue growth rate	6.2%
Future return on equity	12.6%
Analyst coverage	Low
Last updated	14 Oct 2024

Recent future growth updates

No updates

Recent updates

Earnings and Revenue Growth Forecasts

CHIA:PPM - Analysts future estimates and past financials data (AUD Millions)
Date	Revenue	Earnings	Free Cash Flow	Cash from Op	Avg. No. Analysts
12/31/2026	468	110	N/A	N/A	4
12/31/2025	436	96	N/A	N/A	4
12/31/2024	423	90	N/A	N/A	4
6/30/2024	395	104	1,223	1,231	N/A
3/31/2024	406	108	657	665	N/A
12/31/2023	418	111	91	98	N/A
9/30/2023	428	116	254	261	N/A
6/30/2023	438	122	416	424	N/A
3/31/2023	444	131	-946	-937	N/A
12/31/2022	451	141	-2,308	-2,298	N/A
6/30/2022	441	147	-3,832	-3,821	N/A
3/31/2022	427	139	-3,416	-3,406	N/A
12/31/2021	413	131	-3,001	-2,990	N/A
6/30/2021	384	116	-1,894	-1,882	N/A
3/31/2021	367	108	-1,626	-1,614	N/A
12/31/2020	350	100	-1,358	-1,347	N/A
12/31/2019	613	50	349	455	N/A
12/31/2018	462	21	258	293	N/A
12/31/2017	410	41	N/A	102	N/A
6/30/2017	382	65	N/A	122	N/A
3/31/2017	376	64	N/A	136	N/A
12/31/2016	370	62	N/A	151	N/A
9/30/2016	359	43	N/A	146	N/A
6/30/2016	349	24	N/A	141	N/A
3/31/2016	321	14	N/A	122	N/A
12/31/2015	294	3	N/A	104	N/A
9/30/2015	278	20	N/A	79	N/A
6/30/2015	262	36	N/A	55	N/A
3/31/2015	247	37	N/A	50	N/A
12/31/2014	232	38	N/A	45	N/A
12/31/2013	148	29	N/A	N/A	N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: PPM's forecast earnings growth (9.4% per year) is above the savings rate (2.6%).

Earnings vs Market: PPM's earnings (9.4% per year) are forecast to grow slower than the Australian market (12.4% per year).

High Growth Earnings: PPM's earnings are forecast to grow, but not significantly.

Revenue vs Market: PPM's revenue (6.2% per year) is forecast to grow faster than the Australian market (5.7% per year).

High Growth Revenue: PPM's revenue (6.2% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: PPM's Return on Equity is forecast to be low in 3 years time (12.6%).

Pepper Money Future Growth

Future criteria checks 2/6

Key information

Recent future growth updates

Recent updates

Pepper Money Appoints Matt Perry as Head of Product

First half 2024 earnings released: EPS: AU$0.11 (vs AU$0.12 in 1H 2023)

First half dividend of AU$0.05 announced

Pepper Money Limited to Report Q2, 2024 Results on Aug 29, 2024

Pepper Money Limited, Annual General Meeting, May 23, 2024

Pepper Money Limited (ASX:PPM) completed the acquisition of 35% stake in Stratton Finance Pty Ltd.

Pepper Money Limited (ASX:PPM) agreed to acquire 35% stake in Stratton Finance Pty Ltd for AUD 42 million.

Upcoming dividend of AU$0.05 per share

Final dividend of AU$0.05 announced

Full year 2023 earnings released

Pepper Money Limited to Report Fiscal Year 2023 Results on Feb 09, 2024

Upcoming dividend of AU$0.035 per share at 5.2% yield

Pepper Money Limited (ASX:PPM) entered into a binding agreement to acquire mortgage portfolio in New Zealand from The Hongkong and Shanghai Banking Corporation Limited.

First half 2023 earnings released: EPS: AU$0.12 (vs AU$0.16 in 1H 2022)

Pepper Money Limited Announces Ordinary Fully Franked Dividend for the Six Months Ended June 30, 2023, Payable on October 12, 2023

Investor sentiment improves as stock rises 16%

BGH Capital Reportedly Sniffs Out Possible Deal to Buy Pepper Money

Pepper Money Limited to Report First Half, 2023 Results on Aug 23, 2023

Investor sentiment deteriorates as stock falls 16%

Upcoming dividend of AU$0.051 per share at 7.0% yield

High number of new directors

Full year 2022 earnings released: EPS: AU$0.32 (vs AU$0.36 in FY 2021)

Upcoming dividend of AU$0.054 per share

First half 2022 earnings released: EPS: AU$0.16 (vs AU$0.19 in 1H 2021)

Pepper Money Limited Announces Dividend for Period of Six Months Ended June 30, 2022, Payment Date Is October 14, 2022

Pepper Money Limited to Report First Half, 2022 Results on Aug 24, 2022

Investor sentiment deteriorated over the past week

Pepper Money Limited (ASX:PPM) agreed to acquire 65% stake in Stratton Finance Pty Ltd for AUD 78 million.

Pepper Money Limited, Annual General Meeting, Apr 28, 2022

Full year 2021 earnings: EPS in line with analyst expectations despite revenue beat

Pepper Money Limited Announces Dividend for the Year Ended December 31, 2021, Payable on April 14, 2022

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings per Share Growth Forecasts

Future Return on Equity

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