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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.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. Pepper Money's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.87. Pepper Money's 10-Year median PS Ratio is 0. Therefore, the Median PS Value for today is A$0.00.
As of today (2026-07-14), Pepper Money's share price is A$1.63. Pepper Money's Median PS Value is A$0.00. Therefore, Pepper Money's Price to Median PS Value for today is 0.00.
The historical rank and industry rank for Pepper Money's Median PS Value or its related term are showing as below:
ASX:PPM's Price-to-Median-PS-Value is not ranked *
in the Credit Services industry.
Industry Median: 0.92 * Ranked among companies with meaningful Price-to-Median-PS-Value only.
Pepper Money (ASX:PPM) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Pepper Money's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
1.63
/
0.00
=
* 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 Median PS Value Related Terms
Pepper Money Median PS Value Historical Data
* Premium members only.
The historical data trend for Pepper Money's Median PS Value 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 Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Pepper Money's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pepper Money's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.87.
* 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 Median PS Value of A$0.00 as of Jul. 14, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #999999 out of 286 companies in the Credit Services industry.
Is Pepper Money's Median PS Value too high?
Pepper Money's current Median PS Value is A$0.00. Based on the distribution chart, Pepper Money ranks #999999 out of 286 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #999999 out of 286 companies for Median PS Value. This places Pepper Money in the lower half of its industry. The industry median Median PS Value is 0.92. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.92, based on 286 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Pepper Money and its competitors. For the Credit Services industry, the median Median PS Value is 0.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current Median PS Value is A$0.00. 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$1.42, compared to a current price of A$1.63 — trading 14.8% above its estimated fair value. The current Median PS Value is A$0.00. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current Median PS Value is A$0.00 as of Jul. 14, 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$1.63 is trading 14.8% above its estimated GF Value™ of A$1.42.
GuruFocus considers Pepper Money to be Modestly Overvalued.
Key valuation signals for ASX:PPM:
Median PS Value: A$0.00
GF Value™: A$1.42 vs. price of A$1.63 (14.8% 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.
48GF Score
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Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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