Pepper Money Management
Management criteria checks 3/4
Pepper Money's CEO is Mario Rehayem, appointed in Sep 2017, has a tenure of 7.33 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$10.23M. The average tenure of the management team and the board of directors is 4.5 years and 3.7 years respectively.
Key information
Mario Rehayem
Chief executive officer
AU$3.1m
Total compensation
| CEO salary percentage | 30.5% |
| CEO tenure | 7.3yrs |
| CEO ownership | 1.6% |
| Management average tenure | 4.5yrs |
| Board average tenure | 3.7yrs |
Recent management updates
Recent updates
CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Jun 30 2024 | n/a | n/a | AU$104m |
| Mar 31 2024 | n/a | n/a | AU$108m |
| Dec 31 2023 | AU$3m | AU$957k | AU$111m |
| Sep 30 2023 | n/a | n/a | AU$116m |
| Jun 30 2023 | n/a | n/a | AU$122m |
| Mar 31 2023 | n/a | n/a | AU$131m |
| Dec 31 2022 | AU$3m | AU$957k | AU$141m |
| Jun 30 2022 | n/a | n/a | AU$147m |
| Mar 31 2022 | n/a | n/a | AU$139m |
| Dec 31 2021 | AU$3m | AU$912k | AU$131m |
Compensation vs Market: Mario's total compensation ($USD1.95M) is above average for companies of similar size in the Australian market ($USD869.69K).
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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 7.3yrs | AU$3.14m | 1.6% A$ 10.2m | |
| Chief Financial Officer | 4.5yrs | AU$1.66m | 0.023% A$ 147.5k | |
| Chief Information Officer | no data | no data | no data | |
| General Counsel & Company Secretary | 10.7yrs | no data | 0.14% A$ 924.9k | |
| General Manager of Marketing & Brand | no data | no data | no data | |
| Chief Human Resource Officer | 16yrs | no data | 0.14% A$ 897.5k | |
| Chief Risk Officer | 4.4yrs | no data | no data | |
| Chief Service Officer | no data | no data | no data | |
| Head of Credit and Settlements – Mortgages & Commercial Lending | no data | no data | no data | |
| Head of Sales - Asset Finance | less than a year | no data | no data | |
| Head of Product for Asset Finance | less than a year | no data | no data | |
| Treasurer | 3.9yrs | no data | no data |
4.5yrs
Average Tenure
Experienced Management: PPM's management team is considered experienced (4.5 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Director | 6.7yrs | AU$3.14m | 1.6% A$ 10.2m | |
| Independent Non-Executive Director | 3.7yrs | AU$141.00k | 0.013% A$ 82.8k | |
| Shareholder Representative Non-Executive Director | 3.7yrs | AU$141.00k | 0.014% A$ 89.2k | |
| Shareholder Representative Non-Executive Director | less than a year | no data | no data | |
| Independent Non-Executive Director | 3.7yrs | AU$141.00k | 0.017% A$ 107.9k | |
| Independent Non-Executive Director | 3.7yrs | AU$141.00k | 0.011% A$ 72.2k | |
| Independent Non-Executive Director | 3.7yrs | AU$141.00k | 0.021% A$ 133.0k |
3.7yrs
Average Tenure
Experienced Board: PPM's board of directors are considered experienced (3.7 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/04 14:02 |
| 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 |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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
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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 |