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Pepper MoneyASX:PPM 40 Cash-to-Debt is 0.05 as of Jun. 2026, which is 29% below its 10-year median of 0.07. GuruFocus rates ASX:PPM with a GF Score™ of 40/100 and a GF Value™ of A$1.54 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 524 Credit Services companies, Pepper Money ranks worse than 74.05% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Pepper Money's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.05.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Pepper Moneycouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Pepper Money's Cash-to-Debt or its related term are showing as below:
ASX:PPM'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05 Med: 0.07 Max: 0.08
Current: 0.05
During the past 6 years, Pepper Money's highest Cash to Debt Ratio was 0.08. The lowest was 0.05. And the median was 0.07.
ASX:PPM's Cash-to-Debt is ranked worse than 74.05% of 524
companies
in the Credit Services industry
Industry Median: 0.19
vs ASX:PPM: 0.05
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Pepper Money Cash-to-Debt Related Terms
Pepper Money Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Pepper Money's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Pepper Money's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Pepper Money's Cash-to-Debt falls into.
* 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 (ASX:PPM) has a Cash-to-Debt of 0.05 as of Jun. 2026. This is 29% below median its historical median of 0.07. Over the past decade, Pepper Money's Cash-to-Debt has ranged from 0.05 to 0.08. According to the industry distribution chart, Pepper Money ranks #388 out of 524 companies in the Credit Services industry, placing it in the top 74%.
Is Pepper Money's Cash-to-Debt too high?
Pepper Money's current Cash-to-Debt of 0.05 is 29% below median its 10-year median of 0.07. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.08. The Credit Services industry median Cash-to-Debt is 0.19. Pepper Money's value of 0.05 is 73.7% below this industry median. Based on the distribution chart, Pepper Money ranks #388 out of 524 companies in the Credit Services industry, which is below the industry midpoint. Overall, Pepper Money has a GF Score™ of 40/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #388 out of 524 companies for Cash-to-Debt. This places Pepper Money in the lower half of its industry. The industry median Cash-to-Debt is 0.19. Pepper Money's value of 0.05 is 73.7% below this benchmark. Historically, Pepper Money's own Cash-to-Debt has ranged from 0.05 to 0.08 over the past decade. While the company's 10-year median is 0.07 vs. the industry median of 0.19, 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current Cash-to-Debt of 0.05 is 73.7% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current Cash-to-Debt is 0.05, which is 29% below median its own 10-year median of 0.07. 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 Cash-to-Debt is 0.05, which is 29% below median its 10-year median of 0.07 and 73.7% below the Credit Services industry median of 0.19. Pepper Money's overall GF Score™ is 40/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current Cash-to-Debt is 0.05 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:
Cash-to-Debt: 0.05 (29% below median its 10-year median of 0.07)
GF Value™: A$1.54 vs. price of A$1.75 (13.3% above fair value)
Industry Position: 73.7% below the Credit Services median (#388 of 524)
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.
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