Pepper Money (ASX:PPM) Retained Earnings : A$45.6 Mil (As of Dec. 2023)

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What is Pepper Money Retained Earnings?

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Pepper Money's retained earnings for the quarter that ended in Dec. 2023 was A$45.6 Mil.

Pepper Money's quarterly retained earnings increased from Dec. 2022 (A$-27.5 Mil) to Jun. 2023 (A$3.2 Mil) and increased from Jun. 2023 (A$3.2 Mil) to Dec. 2023 (A$45.6 Mil).

Pepper Money's annual retained earnings increased from Dec. 2021 (A$-105.3 Mil) to Dec. 2022 (A$-27.5 Mil) and increased from Dec. 2022 (A$-27.5 Mil) to Dec. 2023 (A$45.6 Mil).

Pepper Money Retained Earnings Historical Data

The historical data trend for Pepper Money's Retained Earnings 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.

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Pepper Money Retained Earnings Chart

Pepper Money Annual Data

Trend

Dec20

Dec21

Dec22

Dec23

Retained Earnings

-209.60

-105.30

-27.50

45.60

Pepper Money Semi-Annual Data
	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23
Retained Earnings	Get a 7-Day Free Trial			-105.30	-72.60	-27.50	3.20	45.60

Pepper Money Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Pepper Money (ASX:PPM) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.

Pepper Money (ASX:PPM) Business Description

Industry

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

Comparable Companies

Traded in Other Exchanges

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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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