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PIL

Peppermint InnovationASX:PIL Stock Report

Market Cap

AU$22.0m

7D

7.7%

1Y

n/a

Updated

19 Oct, 2021

Data

Company Financials
PIL fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health5/6
Dividends0/6

PIL Overview

Peppermint Innovation Limited engages in the development and commercialization of mobile banking, payment, and remittance platform primarily in the Philippines.

Price History & Performance

Summary of all time highs, changes and price drops for Peppermint Innovation
Historical stock prices
Current Share PriceAU$0.014
52 Week HighAU$0.01
52 Week LowAU$0.044
Beta0.24
1 Month Change16.67%
3 Month Change-12.50%
1 Year Changen/a
3 Year Change-22.22%
5 Year Change-17.65%
Change since IPO-30.00%

Recent News & Updates

Mar 01
What We Learned About Peppermint Innovation's (ASX:PIL) CEO Compensation

What We Learned About Peppermint Innovation's (ASX:PIL) CEO Compensation

Chris Kain became the CEO of Peppermint Innovation Limited ( ASX:PIL ) in 2015, and we think it's a good time to look...

Shareholder Returns

PILAU SoftwareAU Market
7D7.7%4.1%1.7%
1Yn/a23.3%20.3%

Return vs Industry: Insufficient data to determine how PIL performed against the Australian Software industry.

Return vs Market: Insufficient data to determine how PIL performed against the Australian Market.

Price Volatility

Is PIL's price volatile compared to industry and market?
PIL volatility
PIL Beta0.24
Industry Beta0.85
Market Beta1

Stable Share Price: PIL is more volatile than 75% of Australian stocks over the past 3 months, typically moving +/- 15% a week.

Volatility Over Time: PIL's weekly volatility (15%) has been stable over the past year, but is still higher than 75% of Australian stocks.

About the Company

FoundedEmployeesCEOWebsite
n/an/aChris Kainhttps://pepltd.com.au

Peppermint Innovation Limited engages in the development and commercialization of mobile banking, payment, and remittance platform primarily in the Philippines. It operates Peppermint Platform, a white label mobile App banking platform and mobile App micro enterprise platform that offers payments, remittance, delivery and logistics, and ecommerce services. The company is headquartered in Perth, Australia.

Peppermint Innovation Fundamentals Summary

How do Peppermint Innovation's earnings and revenue compare to its market cap?
PIL fundamental statistics
Market CapAU$22.03m
Earnings (TTM)-AU$2.83m
Revenue (TTM)AU$1.94m

12.3x

P/S Ratio

-8.4x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
PIL income statement (TTM)
RevenueAU$1.94m
Cost of RevenueAU$1.76m
Gross ProfitAU$179.37k
ExpensesAU$3.01m
Earnings-AU$2.83m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.0017
Gross Margin9.25%
Net Profit Margin-146.17%
Debt/Equity Ratio14.7%

How did PIL perform over the long term?

See historical performance and comparison

Valuation

Is Peppermint Innovation undervalued compared to its fair value and its price relative to the market?

8.92x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate PIL's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate PIL's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: PIL is unprofitable, so we can't compare its PE Ratio to the Australian Software industry average.

PE vs Market: PIL is unprofitable, so we can't compare its PE Ratio to the Australian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate PIL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: PIL is overvalued based on its PB Ratio (8.9x) compared to the AU Software industry average (5.2x).


Future Growth

How is Peppermint Innovation forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

41.1%

Forecasted Software industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Peppermint Innovation has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Peppermint Innovation performed over the past 5 years?

17.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: PIL is currently unprofitable.

Growing Profit Margin: PIL is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: PIL is unprofitable, but has reduced losses over the past 5 years at a rate of 17.2% per year.

Accelerating Growth: Unable to compare PIL's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: PIL is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (37.5%).


Return on Equity

High ROE: PIL has a negative Return on Equity (-106.37%), as it is currently unprofitable.


Financial Health

How is Peppermint Innovation's financial position?


Financial Position Analysis

Short Term Liabilities: PIL's short term assets (A$3.6M) exceed its short term liabilities (A$933.1K).

Long Term Liabilities: PIL has no long term liabilities.


Debt to Equity History and Analysis

Debt Level: PIL's debt to equity ratio (14.7%) is considered satisfactory.

Reducing Debt: Insufficient data to determine if PIL's debt to equity ratio has reduced over the past 5 years.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: PIL has sufficient cash runway for more than a year based on its current free cash flow.

Forecast Cash Runway: PIL has sufficient cash runway for 1.8 years if free cash flow continues to reduce at historical rates of 0.1% each year.


Dividend

What is Peppermint Innovation current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate PIL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate PIL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if PIL's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PIL's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of PIL's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.9yrs

Average management tenure


CEO

Chris Kain

5.83yrs

Tenure

AU$307,912

Compensation

Mr. Christopher Kain, also known as Chris, BComm, MBA, has been the Chief Executive Officer and Managing Director of Peppermint Innovation Limited since November 30, 2015 and December 4, 2015 respectively....


CEO Compensation Analysis

Compensation vs Market: Chris's total compensation ($USD228.20K) is about average for companies of similar size in the Australian market ($USD301.95K).

Compensation vs Earnings: Chris's compensation has increased whilst the company is unprofitable.


Leadership Team

Experienced Management: PIL's management team is considered experienced (2.9 years average tenure).


Board Members

Experienced Board: PIL's board of directors are considered experienced (3.7 years average tenure).


Ownership

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


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been substantially diluted in the past year, with total shares outstanding growing by 56.4%.


Top Shareholders

Company Information

Peppermint Innovation Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Peppermint Innovation Limited
  • Ticker: PIL
  • Exchange: ASX
  • Founded: NaN
  • Industry: Application Software
  • Sector: Software
  • Market Cap: AU$22.031m
  • Shares outstanding: 1.69b
  • Website: https://pepltd.com.au

Location

  • Peppermint Innovation Limited
  • The Wentworth Building
  • Level 2 East
  • Perth
  • Western Australia
  • 6000
  • Australia

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/19 07:03
End of Day Share Price2021/10/19 00:00
Earnings2021/06/30
Annual Earnings2021/06/30


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.