Pepper Money (ASX:PPM) Momentum Rank: 5 (As of Aug. 30, 2026) — 38% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

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 Momentum Rank?

Pepper Money ASX:PPM -1.04% 48 Momentum Rank is 5 as of Aug. 30, 2026, which is 38% below its 10-year median of 8.00. 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.

Pepper Money has the Momentum Rank of 5.

Momentum Rank measures the strength and persistence of a stock's price movement over time, rated on a scale of 1 to 10.

For Momentum Rank, we considered the residual momentum concept that was widely studied by Blitz and his colleagues as well as by Nobel Prize laureates Fama and French. However, we did not find any significant differences in the performances of stocks with different ranks of residual momentum. Therefore, we use traditional momentum instead.

Momentum Rank is determined using the standardized momentum ratio and other momentum indicators. The standardized momentum ratio is the average of the performances from 12 months ago to 1 month ago and 6 months ago to 1 month ago, divided by the beta of the stock over the past 12 months. To calculate the momentum ratio today, we would use the average of the two performance numbers.

For momentum, we found that stock price performance does not have a monotonic correlation with the momentum ratio. The stocks with the highest momentum ratios perform worse than those at about the 70th percentile. Therefore, for the momentum rank, we ranked the stocks at about the 70th percentile of the momentum ratio as the highest at 10.

A higher score reflects strong price momentum and indicates greater potential for superior performance. Conversely, a lower score indicates that momentum is either too high or too low, and stocks tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Pepper Money Momentum Rank Related Terms

ASX:PPM vs V, MA, AXP: Momentum Rank Comparison

For the Credit Services subindustry, Pepper Money's Momentum Rank, along with its competitors' market caps and Momentum Rank 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 Momentum Rank vs Credit Services Industry

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

* The bar in red indicates where Pepper Money's Momentum Rank falls into.


ASX:PPM
48GF Score
Pepper Money Ltd ASX:PPM
Momentum Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Momentum Rank →
What does a Momentum Rank of 5 mean?
Pepper Money (ASX:PPM) has a Momentum Rank of 5 as of Aug. 30, 2026. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on Pepper Money and its competitors. This is 38% below median its historical median of 8.00. Over the past decade, Pepper Money's Momentum Rank has ranged from 5.00 to 10.00.
Is Pepper Money's Momentum Rank too high?
Pepper Money's current Momentum Rank of 5 is 38% below median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 10.00. 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 Momentum Rank compare to V and MA?
Pepper Money's Momentum Rank of 5 can be compared against companies in the Credit Services industry. Historically, Pepper Money's own Momentum Rank has ranged from 5.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Momentum Rank for a Credit Services company?
A good Momentum Rank depends on the Credit Services industry context. However, Momentum Rank 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 Momentum Rank mean?
A high Momentum Rank can signal that a stock is expensive relative to its fundamentals. Momentum Rank is determined using the standardized momentum ratio, measuring the speed and velocity of price changes in a stock. View historical data on Pepper Money and its competitors. Pepper Money's current Momentum Rank is 5, which is 38% below median its own 10-year median of 8.00. 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$1.54, compared to a current price of A$1.90 — trading 23.4% above its estimated fair value. The current Momentum Rank is 5, which is 38% below median its 10-year median of 8.00. 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 Momentum Rank calculated?
Momentum Rank is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current Momentum Rank is 5 as of Aug. 30, 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:

  • Momentum Rank: 5 (38% below median its 10-year median of 8.00)
  • 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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Momentum Rank 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