Pepper Money (ASX:PPM) ROE % Adjusted to Book Value: 12.72% (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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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$1.63
GF Value A$1.42
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Pepper Money ROE % Adjusted to Book Value?

Pepper Money ASX:PPM +0.62% 48 ROE % Adjusted to Book Value is 12.72% as of Dec. 2025. 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.

Pepper Money's ROE % for the quarter that ended in Dec. 2025 was 13.99%. Pepper Money's PB Ratio for the quarter that ended in Dec. 2025 was 1.10. Pepper Money's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 12.72%.

Pepper Money ROE % Adjusted to Book Value Related Terms

Pepper Money ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Pepper Money's ROE % Adjusted to Book Value 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.

Pepper Money ROE % Adjusted to Book Value Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 36.99 25.14 20.62 16.32 11.02

Pepper Money Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 21.02 14.79 16.88 11.18 12.72

ASX:PPM vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Pepper Money's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Pepper Money's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Pepper Money's ROE % Adjusted to Book Value falls into.


ASX:PPM
48GF Score
Pepper Money Ltd ASX:PPM
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Pepper Money ROE % Adjusted to Book Value Calculation

Pepper Money's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.12% / 1.10
=11.02%

Pepper Money's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=13.99% / 1.10
=12.72%

* 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.

What does a ROE % Adjusted to Book Value of 12.72% mean?
Pepper Money (ASX:PPM) has a ROE % Adjusted to Book Value of 12.72% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Pepper Money and its competitors.
Is Pepper Money's ROE % Adjusted to Book Value too high?
Pepper Money's current ROE % Adjusted to Book Value is 12.72%. 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 ROE % Adjusted to Book Value compare to V and MA?
Pepper Money's ROE % Adjusted to Book Value of 12.72% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Pepper Money and its competitors. Pepper Money's current ROE % Adjusted to Book Value is 12.72%. 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 ROE % Adjusted to Book Value is 12.72%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current ROE % Adjusted to Book Value is 12.72% as of Dec. 2025. 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:

  • ROE % Adjusted to Book Value: 12.72%
  • GF Value™: A$1.42 vs. price of A$1.63 (14.8% 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

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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.63
Price
A$1.42
GF Value