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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Pepper Money's Enterprise Value is A$16,851.2 Mil.
Pepper Money's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was A$-714.8 Mil. Therefore, Pepper Money's EV-to-OCF for today is -23.57.
The historical rank and industry rank for Pepper Money's EV-to-OCF or its related term are showing as below:
ASX:PPM'
s EV-to-OCF Range Over the Past 10 Years
Min: -24.1 Med: -5.27 Max: 188.15
Current: -23.56
During the past 6 years, the highest EV-to-OCF of Pepper Money was 188.15. The lowest was -24.10. And the median was -5.27.
ASX:PPM's EV-to-OCF is ranked better than 80.7% of 544
companies
in the Credit Services industry
Industry Median: -0.815
vs ASX:PPM: -23.56
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pepper Money's PE Ratio (TTM) for today is calculated as:
Pepper Money's share price for today is A$1.755.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pepper Money's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.227.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pepper Money EV-to-OCF Related Terms
Pepper Money EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Pepper Money's EV-to-OCF 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.
For the Credit Services subindustry, Pepper Money's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Pepper Money's EV-to-OCF falls into.
Pepper Money's current Enterprise Value is A$16,851.2 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pepper Money's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was A$-714.8 Mil.
* 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 EV-to-OCF of -23.57 as of Jul. 31, 2026. According to the industry distribution chart, Pepper Money ranks #105 out of 544 companies in the Credit Services industry, placing it in the top 19.3%.
Is Pepper Money's EV-to-OCF too high?
Pepper Money's current EV-to-OCF is -23.57. Based on the distribution chart, Pepper Money ranks #105 out of 544 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #105 out of 544 companies for EV-to-OCF. This places Pepper Money in the top 19% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Pepper Money's current EV-to-OCF is -23.57. 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$1.43, compared to a current price of A$1.76 — trading 22.7% above its estimated fair value. The current EV-to-OCF is -23.57. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current EV-to-OCF is -23.57 as of Jul. 31, 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$1.76 is trading 22.7% above its estimated GF Value™ of A$1.43.
GuruFocus considers Pepper Money to be Modestly Overvalued.
Key valuation signals for ASX:PPM:
EV-to-OCF: -23.57
GF Value™: A$1.43 vs. price of A$1.76 (22.7% 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.
41GF Score
Get the complete analysis for ASX:PPM
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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