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Pepper MoneyASX:PPM -0.85%41 3-Year Book Growth Rate is 2.40% as of Jun. 2026, which is 62% below its 10-year median of 6.35. GuruFocus rates ASX:PPM with a GF Score™ of 41/100 and a GF Value™ of A$1.54 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 521 Credit Services companies, Pepper Money ranks worse than 63.53% on this metric.
During the past 12 months, Pepper Money's average Book Value per Share Growth Rate was 12.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 2.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 6 years, the highest 3-Year average Book Value per Share Growth Rate of Pepper Money was 10.30% per year. The lowest was 2.40% per year. And the median was 6.35% per year.
Pepper Money (ASX:PPM) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Pepper Money 3-Year Book Growth Rate Related Terms
ASX:PPM vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Pepper Money's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pepper Money 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Pepper Money's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 2.40% mean?
Pepper Money (ASX:PPM) has a 3-Year Book Growth Rate of 2.40% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Pepper Money and its competitors. This is 62% below median its historical median of 6.35. Over the past decade, Pepper Money's 3-Year Book Growth Rate has ranged from 2.40 to 10.30. According to the industry distribution chart, Pepper Money ranks #331 out of 521 companies in the Credit Services industry, placing it in the top 63.5%.
Is Pepper Money's 3-Year Book Growth Rate too high?
Pepper Money's current 3-Year Book Growth Rate of 2.40% is 62% below median its 10-year median of 6.35. Over the past 10 years, this metric has ranged from a low of 2.40 to a high of 10.30. The Credit Services industry median 3-Year Book Growth Rate is 6.10. Pepper Money's value of 2.40% is 60.7% below this industry median. Based on the distribution chart, Pepper Money ranks #331 out of 521 companies in the Credit Services industry, which is below the industry midpoint. Overall, Pepper Money has a GF Score™ of 41/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #331 out of 521 companies for 3-Year Book Growth Rate. This places Pepper Money in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.10. Pepper Money's value of 2.40% is 60.7% below this benchmark. Historically, Pepper Money's own 3-Year Book Growth Rate has ranged from 2.40 to 10.30 over the past decade. While the company's 10-year median is 6.35 vs. the industry median of 6.10, Pepper Money has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.10, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current 3-Year Book Growth Rate of 2.40% is 60.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Pepper Money and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current 3-Year Book Growth Rate is 2.40%, which is 62% below median its own 10-year median of 6.35. 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$1.54, compared to a current price of A$1.75 — trading 13.3% above its estimated fair value. The current 3-Year Book Growth Rate is 2.40%, which is 62% below median its 10-year median of 6.35 and 60.7% below the Credit Services industry median of 6.10. Pepper Money's overall GF Score™ is 41/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current 3-Year Book Growth Rate is 2.40% as of Jun. 2026. 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$1.75 is trading 13.3% above its estimated GF Value™ of A$1.54.
GuruFocus considers Pepper Money to be Modestly Overvalued.
Key valuation signals for ASX:PPM:
3-Year Book Growth Rate: 2.40% (62% below median its 10-year median of 6.35)
GF Value™: A$1.54 vs. price of A$1.75 (13.3% above fair value)
Industry Position: 60.7% below the Credit Services median (#331 of 521)
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 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.
41GF Score
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