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Goodwill to Asset ratio measures how much goodwill a company is recording compared to the total level of its assets. Pepper Money's Goodwill for the quarter that ended in Dec. 2025 was A$98.2 Mil. Pepper Money's Total Assets for the quarter that ended in Dec. 2025 was A$18,399.7 Mil.
Therefore, Pepper Money's Goodwill to Asset Ratio for the quarter that ended in Dec. 2025 was 0.01.
If the goodwill-to-asset ratio increases, it can mean that the company is recording a proportionately higher amount of goodwill, assuming total assets are remaining constant. It is generally good to see a company increasing its assets regularly; however, if these increases are coming from intangible assets, such as goodwill, the increases may not be as good.
Increases in the goodwill-to-asset ratio might suggest that a company has been aggressively acquiring other firms or has seen its tangible assets decrease in value. When a large portion of total assets are attributable to intangible assets (such as goodwill), the company may be at risk of having that portion of its asset base wiped out quickly if it must record any goodwill impairments. Decreases in the goodwill-to-assets ratio suggest that the company has either written down some goodwill or increased its tangible assets.
Asset needs vary from industry to industry. This is why comparing goodwill-to-assets ratios is generally most meaningful among companies within the same industry. By comparing a company's goodwill to assets ratio to those of other companies within the same industry, investors can get a feel for how a company is managing its goodwill.
Pepper Money Goodwill-to-Asset Related Terms
Pepper Money Goodwill-to-Asset Historical Data
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The historical data trend for Pepper Money's Goodwill-to-Asset 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.
ASX:PPM vs V, MA, AXP: Goodwill-to-Asset Comparison
For the Credit Services subindustry, Pepper Money's Goodwill-to-Asset, along with its competitors' market caps and Goodwill-to-Asset 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 Goodwill-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's Goodwill-to-Asset distribution charts can be found below:
* The bar in red indicates where Pepper Money's Goodwill-to-Asset 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 Goodwill-to-Asset of 0.01 as of Dec. 2025. Goodwill-to-Asset Ratio is the total goodwill from acquisitions divided by total assets. View historical data on Pepper Money and its competitors.
Is Pepper Money's Goodwill-to-Asset too high?
Pepper Money's current Goodwill-to-Asset is 0.01. Overall, Pepper Money has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's Goodwill-to-Asset compare to V and MA?
Pepper Money's Goodwill-to-Asset of 0.01 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 Goodwill-to-Asset for a Credit Services company?
A good Goodwill-to-Asset depends on the Credit Services industry context. However, Goodwill-to-Asset 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 Goodwill-to-Asset mean?
A high Goodwill-to-Asset can signal that a stock is expensive relative to its fundamentals. Goodwill-to-Asset Ratio is the total goodwill from acquisitions divided by total assets. View historical data on Pepper Money and its competitors. Pepper Money's current Goodwill-to-Asset is 0.01. 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 Significantly Overvalued. The stock's GF Value™ is A$1.38, compared to a current price of A$1.83 — trading 32.2% above its estimated fair value. The current Goodwill-to-Asset is 0.01. Pepper Money's overall GF Score™ is 43/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Goodwill-to-Asset calculated?
Goodwill-to-Asset is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current Goodwill-to-Asset is 0.01 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$1.83 is trading 32.2% above its estimated GF Value™ of A$1.38.
GuruFocus considers Pepper Money to be Significantly Overvalued.
Key valuation signals for ASX:PPM:
Goodwill-to-Asset: 0.01
GF Value™: A$1.38 vs. price of A$1.83 (32.2% 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.
43GF Score
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Goodwill-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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