Pepper Money (ASX:PPM) Beginning Cash Position: A$999.9 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ASX:PPM Pepper Money Ltd ASX:PPM
48 GF Score
Price A$1.63
GF Value A$1.42
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Pepper Money Beginning Cash Position?

Pepper Money ASX:PPM +0.62% 48 Beginning Cash Position is A$999.9 Mil as of Dec. 2025. GuruFocus rates ASX:PPM with a GF Score™ of 48/100 and a GF Value™ of A$1.42 (Modestly Overvalued). The stock has 2 warning signs investors should review.

Pepper Money's Beginning Cash Position for the quarter that ended in Dec. 2025 was A$999.9 Mil.

Pepper Money's quarterly Beginning Cash Position increased from Dec. 2024 (A$1,106.3 Mil) to Jun. 2025 (A$1,226.2 Mil) but then declined from Jun. 2025 (A$1,226.2 Mil) to Dec. 2025 (A$999.9 Mil).

Pepper Money's annual Beginning Cash Position increased from Dec. 2023 (A$1,243.6 Mil) to Dec. 2024 (A$1,528.7 Mil) but then declined from Dec. 2024 (A$1,528.7 Mil) to Dec. 2025 (A$1,226.2 Mil).

Pepper Money Beginning Cash Position Related Terms

Pepper Money Beginning Cash Position Historical Data

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The historical data trend for Pepper Money's Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pepper Money Beginning Cash Position Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial 885.50 1,309.20 1,243.60 1,528.70 1,226.20

Pepper Money Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 1,110.60 1,528.70 1,106.30 1,226.20 999.90
ASX:PPM
48GF Score
Pepper Money Ltd ASX:PPM
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Pepper Money Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of A$999.9 Mil mean?
Pepper Money (ASX:PPM) has a Beginning Cash Position of A$999.9 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Pepper Money and its competitors.
Is Pepper Money's Beginning Cash Position too high?
Pepper Money's current Beginning Cash Position is A$999.9 Mil. Overall, Pepper Money has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's Beginning Cash Position compare to V and MA?
Pepper Money's Beginning Cash Position of A$999.9 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Credit Services company?
A good Beginning Cash Position depends on the Credit Services industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Pepper Money and its competitors. Pepper Money's current Beginning Cash Position is A$999.9 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pepper Money stock overvalued right now?
Based on GuruFocus' analysis, Pepper Money (ASX:PPM) is currently considered Modestly Overvalued. The stock's GF Value™ is A$1.42, compared to a current price of A$1.63 — trading 14.8% above its estimated fair value. The current Beginning Cash Position is A$999.9 Mil. Pepper Money's overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current Beginning Cash Position is A$999.9 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pepper Money (ASX:PPM) Overvalued in 2026?

Based on GuruFocus' analysis, Pepper Money stock appears to be overvalued. The current stock price of A$1.63 is trading 14.8% above its estimated GF Value™ of A$1.42. GuruFocus considers Pepper Money to be Modestly Overvalued.

Key valuation signals for ASX:PPM:

  • Beginning Cash Position: A$999.9 Mil
  • GF Value™: A$1.42 vs. price of A$1.63 (14.8% above fair value)
  • GF Score™: 48/100 with 2 warning signs

No single metric tells the full story. See the ASX:PPM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pepper Money Business Description

Address 177 Pacific Highway, Level 27, North Sydney, Sydney, NSW, AUS, 2060
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.
48GF Score

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Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.63
Price
A$1.42
GF Value