Pepper Money (ASX:PPM) Net Loan: A$16,854.0 Mil (As of Dec. 2025)

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ASX:PPM Pepper Money Ltd ASX:PPM
48 GF Score
Price A$1.61
GF Value A$1.42
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Pepper Money Net Loan?

Pepper Money ASX:PPM -1.23% 48 Net Loan is A$16,854.0 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 quarterly net loan declined from Dec. 2024 (A$15,991.8 Mil) to Jun. 2025 (A$15,892.8 Mil) but then increased from Jun. 2025 (A$15,892.8 Mil) to Dec. 2025 (A$16,854.0 Mil).

Pepper Money's annual net loan declined from Dec. 2023 (A$18,379.4 Mil) to Dec. 2024 (A$15,892.8 Mil) but then increased from Dec. 2024 (A$15,892.8 Mil) to Dec. 2025 (A$16,854.0 Mil).

Pepper Money Net Loan Historical Data

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The historical data trend for Pepper Money's Net Loan 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 Net Loan Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial 15,819.80 18,327.80 18,379.40 15,991.80 16,854.00

Pepper Money Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 18,379.40 17,120.50 15,991.80 15,892.80 16,854.00
ASX:PPM
48GF Score
Pepper Money Ltd ASX:PPM
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Pepper Money Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of A$16,854.0 Mil mean?
Pepper Money (ASX:PPM) has a Net Loan of A$16,854.0 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Pepper Money and its competitors.
Is Pepper Money's Net Loan too high?
Pepper Money's current Net Loan is A$16,854.0 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 Net Loan compare to V and MA?
Pepper Money's Net Loan of A$16,854.0 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 Net Loan for a Credit Services company?
A good Net Loan depends on the Credit Services industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Pepper Money and its competitors. Pepper Money's current Net Loan is A$16,854.0 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$1.61 — trading 13.4% above its estimated fair value. The current Net Loan is A$16,854.0 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 Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current Net Loan is A$16,854.0 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$1.61 is trading 13.4% above its estimated GF Value™ of A$1.42. GuruFocus considers Pepper Money to be Modestly Overvalued.

Key valuation signals for ASX:PPM:

  • Net Loan: A$16,854.0 Mil
  • GF Value™: A$1.42 vs. price of A$1.61 (13.4% 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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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.61
Price
A$1.42
GF Value