Pepper Money (ASX:PPM) YoY EPS Growth: 0.93% (As of Jun. 2026)

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ASX:PPM Pepper Money Ltd ASX:PPM
48 GF Score
Price A$1.90
GF Value A$1.54
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Pepper Money YoY EPS Growth?

Pepper Money ASX:PPM -1.04% 48 YoY EPS Growth is 0.93% as of Jun. 2026. GuruFocus rates ASX:PPM with a GF Score™ of 48/100 and a GF Value™ of A$1.54 (Modestly Overvalued). The stock has 2 warning signs investors should review.

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months. Pepper Money's YoY EPS Growth for the quarter that ended in Jun. 2026 was 0.93%.

Pepper Money's Earnings per Share (Diluted) for the six months ended in Jun. 2026 was A$0.11.

Pepper Money YoY EPS Growth Historical Data

* Premium members only.

The historical data trend for Pepper Money's YoY EPS Growth 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 YoY EPS Growth Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EPS Growth
Get a 7-Day Free Trial 0.00 -63.60 -21.09 -13.77 6.10

Pepper Money Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
YoY EPS Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only -11.30 -13.18 4.90 7.14 0.93
ASX:PPM
48GF Score
Pepper Money Ltd ASX:PPM
YoY EPS Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Pepper Money YoY EPS Growth Calculation

YoY EPS Growth is the percentage change of Earnings per Share (Diluted) over the past twelve months.

Pepper Money's YoY EPS Growth for the fiscal year that ended in Dec. 2025 is calculated as:

YoY EPS Growth (A: Dec. 2025 )
=(Earnings per Share (Diluted) (A: Dec. 2025 )-Earnings per Share (Diluted) (A: Dec. 2024 ))/ | Earnings per Share (Diluted) (A: Dec. 2024 ) |
=(0.226-0.213)/ | 0.213 |
=6.10 %

Pepper Money's YoY EPS Growth for the quarter that ended in Jun. 2026 is calculated as:

YoY EPS Growth (Q: Jun. 2026 )
=(Earnings per Share (Diluted) (Q: Jun. 2026 )-Earnings per Share (Diluted) (Q: Jun. 2025 )) / | Earnings per Share (Diluted) (Q: Jun. 2025 )) |
=(0.108-0.107)/ | 0.107 |
=0.93 %

* 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.

Frequently Asked Questions Learn more about YoY EPS Growth →
What does a YoY EPS Growth of 0.93% mean?
Pepper Money (ASX:PPM) has a YoY EPS Growth of 0.93% as of Jun. 2026. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Pepper Money and its competitors.
Is Pepper Money's YoY EPS Growth too high?
Pepper Money's current YoY EPS Growth is 0.93%. 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 YoY EPS Growth compare to V and MA?
Pepper Money's YoY EPS Growth of 0.93% 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 YoY EPS Growth for a Credit Services company?
A good YoY EPS Growth depends on the Credit Services industry context. However, YoY EPS Growth 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 YoY EPS Growth mean?
A high YoY EPS Growth can signal that a stock is expensive relative to its fundamentals. YoY EPS Growth is the percentage change of EPS over the past 12-month. View historical data for Pepper Money and its competitors. Pepper Money's current YoY EPS Growth is 0.93%. 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$1.90 — trading 23.4% above its estimated fair value. The current YoY EPS Growth is 0.93%. 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 YoY EPS Growth calculated?
YoY EPS Growth is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current YoY EPS Growth is 0.93% 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$1.90 is trading 23.4% above its estimated GF Value™ of A$1.54. GuruFocus considers Pepper Money to be Modestly Overvalued.

Key valuation signals for ASX:PPM:

  • YoY EPS Growth: 0.93%
  • GF Value™: A$1.54 vs. price of A$1.90 (23.4% 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

Other Exchanges X95:Germany
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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YoY EPS Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.90
Price
A$1.54
GF Value