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Pepper Money (ASX:PPM) Owner Earnings per Share (TTM) : (As of Dec. 2023)


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What is Pepper Money Owner Earnings per Share (TTM)?

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

Pepper Money does not have enough data to calculate Owner Earnings per Share (TTM), so as Price-to-Owner-Earnings ratio.


The historical rank and industry rank for Pepper Money's Owner Earnings per Share (TTM) or its related term are showing as below:



ASX:PPM's Price-to-Owner-Earnings is not ranked *
in the Credit Services industry.
Industry Median: 9.5
* Ranked among companies with meaningful Price-to-Owner-Earnings only.

Pepper Money's Earnings per Share (Diluted) for the six months ended in Dec. 2023 was A$0.12. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2023 was A$0.24. It's PE Ratio ratio for today is 6.60.

Pepper Money's EPS without NRI for the six months ended in Dec. 2023 was A$0.12. Its EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2023 was A$0.24. It's PE Ratio without NRI ratio for today is 6.60.


Pepper Money Owner Earnings per Share (TTM) Historical Data

The historical data trend for Pepper Money's Owner Earnings per Share (TTM) 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.

* Premium members only.

Pepper Money Owner Earnings per Share (TTM) Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23
Owner Earnings per Share (TTM)
- - - -

Pepper Money Semi-Annual Data
Jun21 Dec21 Jun22 Dec22 Jun23 Dec23
Owner Earnings per Share (TTM) Get a 7-Day Free Trial - - - - -

Competitive Comparison of Pepper Money's Owner Earnings per Share (TTM)

For the Credit Services subindustry, Pepper Money's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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's Price-to-Owner-Earnings Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Pepper Money's Price-to-Owner-Earnings distribution charts can be found below:

* The bar in red indicates where Pepper Money's Price-to-Owner-Earnings falls into.



Pepper Money Owner Earnings per Share (TTM) Calculation

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

To make it simple, then you will have:

Owner Earnings per Share (TTM) = (Net Income + Depreciation, Depletion and Amortization + Change In Deferred Tax - 5Y Average of Maintenance Capital Expenditure + Change In Working Capital) / Shares Outstanding (Diluted Average)

Pepper Money does not have enough data to calculate Owner Earnings per Share (TTM). Please check Wal-Mart Stores Inc, as your reference.


Be Aware

Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.

Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.


Pepper Money Owner Earnings per Share (TTM) Related Terms

Thank you for viewing the detailed overview of Pepper Money's Owner Earnings per Share (TTM) provided by GuruFocus.com. Please click on the following links to see related term pages.


Pepper Money (ASX:PPM) Business Description

Traded in Other Exchanges
N/A
Address
177 Pacific Highway, Level 27, North Sydney, Sydney, NSW, AUS, 2060
Pepper Money Ltd provides a variety of home loan solutions. It also provides car loans, personal loans, loans for professional equipment, and commercial loans. The services offered by the company include Lending, Asset Servicing, Broker Portal, and Debt Investors. 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.

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