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Pepper MoneyASX:PPM +0.62%48 PB Ratio is 0.83 as of Jul. 14, 2026, which is 2% below its 10-year median of 0.85. GuruFocus rates ASX:PPM with a GF Score™ of 48/100 and a GF Value™ of A$1.42 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 525 Credit Services companies, Pepper Money ranks better than 61.9% on this metric.
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 (2026-07-14), Pepper Money's share price is A$1.63. Pepper Money's Book Value per Share for the quarter that ended in Dec. 2025 was A$1.96. Hence, Pepper Money's PB Ratio of today is 0.83.
Good Sign:
Pepper Money Ltd stock PB Ratio (=0.85) is close to 1-year low of 0.8.
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: 0.84
During the past 6 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 61.9% of 525
companies
in the Credit Services industry
Industry Median: 1.05
vs ASX:PPM: 0.84
During the past 12 months, Pepper Money's average Book Value Per Share Growth Rate was 0.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.40% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Pepper Money was 10.30% per year. The lowest was 2.40% per year. And the median was 6.35% per year.
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
Pepper Money PB Ratio Historical Data
* Premium members only.
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.
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 PB Ratio vs 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.
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:
* 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.
It can also be calculated from the numbers for the whole company:
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) has a PB Ratio of 0.83 as of Jul. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pepper Money and its competitors. This is near median its historical median of 0.85. Over the past decade, Pepper Money's PB Ratio has ranged from 0.63 to 1.57. According to the industry distribution chart, Pepper Money ranks #200 out of 525 companies in the Credit Services industry, placing it in the top 38.1%.
Is Pepper Money's PB Ratio too high?
Pepper Money's current PB Ratio of 0.83 is near median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 1.57. The Credit Services industry median PB Ratio is 1.05. Pepper Money's value of 0.83 is 21% below this industry median. Based on the distribution chart, Pepper Money ranks #200 out of 525 companies in the Credit Services industry, which is above the industry midpoint. 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #200 out of 525 companies for PB Ratio. This puts Pepper Money in the upper half of its industry. The industry median PB Ratio is 1.05. Pepper Money's value of 0.83 is 21% below this benchmark. Historically, Pepper Money's own PB Ratio has ranged from 0.63 to 1.57 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.05, Pepper Money has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current PB Ratio of 0.83 is 21% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current PB Ratio is 0.83, which is near median its own 10-year median of 0.85. 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 PB Ratio is 0.83, which is near median its 10-year median of 0.85 and 21% below the Credit Services industry median of 1.05. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current PB Ratio is 0.83 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:
PB Ratio: 0.83 (near median its 10-year median of 0.85)
GF Value™: A$1.42 vs. price of A$1.63 (14.8% above fair value)
Industry Position: 21% below the Credit Services median (#200 of 525)
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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