Business Description
Pepper Money Ltd
ISIN : AU0000150898
Description
Pepper Money Ltd provides a variety of home loan solutions. The company also provides car loans, personal loans, loans for equipment, asset finance, commercial loans, and others. The company operates in three reportable segments Mortgage, Asset Finance, and Loan and Other Servicing. The maximum revenue is derived from the Asset finance segment. The Asset finance segment includes financing a range of asset types for consumer and commercial customers.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.07 | |||||
Equity-to-Asset | 0.05 | |||||
Debt-to-Equity | 19.97 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 6/9 | |||||
WACC vs ROIC | ||||||
Growth Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -3.1 | |||||
3-Year EPS without NRI Growth Rate | -10.3 | |||||
3-Year FCF Growth Rate | 32.8 | |||||
3-Year Book Growth Rate | 2.4 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 8.04 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 5.95 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 61.77 | |||||
9-Day RSI | 51.53 | |||||
14-Day RSI | 47.23 | |||||
3-1 Month Momentum % | -3.16 | |||||
6-1 Month Momentum % | -23.97 | |||||
12-1 Month Momentum % | -4.17 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 9.81 | |||||
Dividend Payout Ratio | 0.59 | |||||
3-Year Dividend Growth Rate | -2.1 | |||||
Forward Dividend Yield % | 9.81 | |||||
5-Year Yield-on-Cost % | 9.81 | |||||
3-Year Average Share Buyback Ratio | -0.4 | |||||
Shareholder Yield % | 38.26 |
Profitability Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 26.14 | |||||
FCF Margin % | -180.8 | |||||
OCF Margin % | -179.38 | |||||
ROE % | 12.54 | |||||
ROA % | 0.59 | |||||
Years of Profitability over Past 10-Year | 5 |
GF Value Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 7.05 | |||||
Forward PE Ratio | 5.86 | |||||
PE Ratio without NRI | 7.05 | |||||
Price-to-Owner-Earnings | 6.45 | |||||
PEG Ratio | 0.64 | |||||
PS Ratio | 1.84 | |||||
PB Ratio | 0.82 | |||||
Price-to-Tangible-Book | 0.96 | |||||
EV-to-Forward-EBIT | 94.02 | |||||
EV-to-Forward-EBITDA | 101.35 | |||||
EV-to-Revenue | 41.85 | |||||
EV-to-Forward-Revenue | 39.79 | |||||
EV-to-FCF | -23.35 | |||||
Price-to-GF-Value | 1.13 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.65 | |||||
Price-to-Graham-Number | 0.54 | |||||
FCF Yield % | -100.24 | |||||
Forward Rate of Return (Yacktman) % | -84.2 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Pepper Money Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 226.39 | ||
| EPS (TTM) (€) | 0.128 | ||
| Beta | 0.8406 | ||
| 3-Year Sharpe Ratio | 0.06 | ||
| 3-Year Sortino Ratio | 0.08 | ||
| Volatility % | 49.39 | ||
| 14-Day RSI | 47.23 | ||
| 14-Day ATR (€) | 0.015621 | ||
| 20-Day SMA (€) | 0.8555 | ||
| 12-1 Month Momentum % | -4.17 | ||
| 52-Week Range (€) | 0.795 - 1.62 | ||
| Shares Outstanding (Mil) | 449.26 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Pepper Money Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Pepper Money Ltd Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Second quarter earnings conference call for 2026 | 2026-08-21 10:00 | In 46 days | ||
| Second quarter earnings results for 2026 | 2026-08-21 | In 45 days | ||
| General meeting for 2026 | 2026-04-20 11:00 | 0.96 (+0.00%) | ||
| AUD 0.078000 Cash Dividend | 2026-03-12 | 1.22 (+0.00%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-02-19 10:00 | 1.62 (+0.00%) | ||
| Fourth quarter earnings results for 2025 | 2026-02-19 | 1.62 (+0.00%) | ||
| Annual report for 2025 | 2026-02-18 | 1.62 (+0.00%) | ||
| AUD 0.064000 Cash Dividend | 2025-09-11 | 1.18 (+0.00%) | ||
| Second quarter earnings conference call for 2025 | 2025-08-21 10:00 | 1.04 (-0.95%) | ||
| Second quarter earnings results for 2025 | 2025-08-21 | 1.04 (-0.95%) |
Show
Entries
Pepper Money Ltd Frequently Asked Questions
What is Pepper Money Ltd(FRA:X95)'s stock price today?
The current price of FRA:X95 is €0.85. The 52 week high of FRA:X95 is €1.62 and 52 week low is €0.80.
When is next earnings date of Pepper Money Ltd(FRA:X95)?
The next earnings date of Pepper Money Ltd(FRA:X95) is 2026-08-21 Est..
Does Pepper Money Ltd(FRA:X95) pay dividends? If so, how much?
The Dividend Yield %  of Pepper Money Ltd(FRA:X95) is 9.81% (As of Today), Highest Dividend Payout Ratio of Pepper Money Ltd(FRA:X95) was 0.6. The lowest was 0.34. And the median was 0.45. The  Forward Dividend Yield % of Pepper Money Ltd(FRA:X95) is 9.81%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on Pepper Money Ltd
No articles.
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers