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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.
Pepper MoneyASX:PPM 40 3-Year Dividend Growth Rate is -2.10% as of Jun. 2026. 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 135 Credit Services companies, Pepper Money ranks worse than 73.33% on this metric.
The historical rank and industry rank for Pepper Money's 3-Year Dividend Growth Rate or its related term are showing as below:
ASX:PPM'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -2.1 Med: -2.1 Max: -2.1
Current: -2.1
During the past 6 years, the highest 3-Year average Dividends Per Share Growth Rate of Pepper Money was -2.10% per year. The lowest was -2.10% per year. And the median was -2.10% per year.
ASX:PPM's 3-Year Dividend Growth Rate is ranked worse than 73.33% of 135
companies
in the Credit Services industry
Industry Median: 8.5
vs ASX:PPM: -2.10
During the past 12 months, Pepper Money's average Dividends Per Share Growth Rate was 17.40% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was -2.10% 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 dividends per share growth rate.
During the past 6 years, the highest Dividend Payout Ratio of Pepper Money was 0.62. The lowest was 0.34. And the median was 0.45.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Pepper Money Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
AUD 0.072000
2026-09-08
2026-09-09
2026-10-08
Cash Dividend
semi-annually
AUD:AUD 1.000000
AUD 0.078000
2026-03-12
2026-03-13
2026-04-14
Cash Dividend
semi-annually
AUD:AUD 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Pepper Money's Dividend Yield (%) for Today is calculated as
Current Share Price is A$1.745.
Pepper Money's Dividends per Share for the trailing twelve months (TTM) ended in Today is A$0.15.
During the past 6 years, the highest Dividend Yield of Pepper Money was 12.52%. The lowest was 4.07%. And the median was 6.83%.
Good Sign:
Pepper Money Ltd stock Dividend Yield % is close to 2-year high.
* 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 3-Year Dividend Growth Rate Related Terms>
ASX:PPM vs V, MA, AXP: 3-Year Dividend Growth Rate Comparison
For the Credit Services subindustry, Pepper Money's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend 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 Dividend Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Pepper Money's 3-Year Dividend Growth Rate falls into.
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound 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 dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of -2.10% mean?
Pepper Money (ASX:PPM) has a 3-Year Dividend Growth Rate of -2.10% as of Jun. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #99 out of 135 companies in the Credit Services industry, placing it in the top 73.3%.
Is Pepper Money's 3-Year Dividend Growth Rate too high?
Pepper Money's current 3-Year Dividend Growth Rate is -2.10%. Based on the distribution chart, Pepper Money ranks #99 out of 135 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 3-Year Dividend Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #99 out of 135 companies for 3-Year Dividend Growth Rate. This places Pepper Money in the lower half of its industry. The industry median 3-Year Dividend Growth Rate is 8.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Dividend Growth Rate for a Credit Services company?
The median 3-Year Dividend Growth Rate among Credit Services companies is 8.50, based on 135 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate 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 3-Year Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median 3-Year Dividend Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current 3-Year Dividend Growth Rate is -2.10%. 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 Dividend Growth Rate is -2.10%. 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 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current 3-Year Dividend Growth Rate is -2.10% 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 Dividend Growth Rate: -2.10%
GF Value™: A$1.54 vs. price of A$1.75 (13.3% above fair value)
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.
40GF Score
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3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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