Pepper Money (ASX:PPM) PB Ratio : 0.78 (As of May. 24, 2024)

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What is Pepper Money PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-05-24), Pepper Money's share price is A$1.47. Pepper Money's Book Value per Share for the quarter that ended in Dec. 2023 was A$1.88. Hence, Pepper Money's PB Ratio of today is 0.78.

The historical rank and industry rank for Pepper Money's PB Ratio or its related term are showing as below:

ASX:PPM' s PB Ratio Range Over the Past 10 Years
Min: 0.63 Med: 0.85 Max: 1.57
Current: 0.78

During the past 4 years, Pepper Money's highest PB Ratio was 1.57. The lowest was 0.63. And the median was 0.85.

ASX:PPM's PB Ratio is ranked better than
63.62% of 514 companies
in the Credit Services industry
Industry Median: 0.995 vs ASX:PPM: 0.78

During the past 12 months, Pepper Money's average Book Value Per Share Growth Rate was 2.90% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 18.30% per year.

During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of Pepper Money was 18.30% per year. The lowest was 18.30% per year. And the median was 18.30% per year.

Back to Basics: PB Ratio

Pepper Money PB Ratio Historical Data

The historical data trend for Pepper Money's PB Ratio 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 PB Ratio Chart

Pepper Money Annual Data

Trend

Dec20

Dec21

Dec22

Dec23

PB Ratio

1.49

0.78

0.66

Pepper Money Semi-Annual Data
	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23
PB Ratio	Get a 7-Day Free Trial			1.49	0.69	0.78	0.74	0.66

Competitive Comparison of Pepper Money's PB Ratio

For the Credit Services subindustry, Pepper Money's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Pepper Money's PB Ratio distribution charts can be found below:

* The bar in red indicates where Pepper Money's PB Ratio falls into.

Pepper Money PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Pepper Money's PB Ratio for today is calculated as follows:

PB Ratio	=	Share Price	/	Book Value per Share (Q: Dec. 2023)
	=	1.47	/	1.877
	=	0.78

It can also be calculated from the numbers for the whole company:

PB Ratio

Market Cap

(Total Stockholders Equity

Preferred Stock)

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

Pepper Money (ASX:PPM) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.

Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.

Pepper Money PB Ratio Related Terms

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Pepper Money (ASX:PPM) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Pepper Money Ltd (ASX:PPM) » Definitions » PB Ratio

Comparable Companies

Traded in Other Exchanges

X95:Germany

Address

177 Pacific Highway, Level 27, North Sydney, Sydney, NSW, AUS, 2060

Website

https://www.pepper.com.au

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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