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Pepper MoneyASX:PPM +0.57%39 1-Year Share Buyback Ratio is -1.00 as of Dec. 2025. GuruFocus rates ASX:PPM with a GF Score™ of 39/100 and a GF Value™ of A$1.35 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 224 Credit Services companies, Pepper Money ranks worse than 52.23% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
1-Year Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past year, calculated as the percentage change in shares outstanding from the previous year to the current year. A positive ratio may indicates share buybacks over the period, while a zero or negative ratio suggests no buybacks or potential share issuance. Pepper Money's current 1-Year Share Buyback Ratio was -1.00%.
ASX:PPM's 1-Year Share Buyback Ratio is ranked worse than 52.23% of 224
companies
in the Credit Services industry
Industry Median: -0.8
vs ASX:PPM: -1.00
Pepper Money (ASX:PPM) 1-Year Share Buyback Ratio Explanation
A positive ratio may indicates share buybacks over the period, while a zero or negative ratio suggests no buybacks or potential share issuance.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Pepper Money 1-Year Share Buyback Ratio Related Terms
ASX:PPM vs V, MA, AXP: 1-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, Pepper Money's 1-Year Share Buyback Ratio, along with its competitors' market caps and 1-Year Share Buyback 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 1-Year Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's 1-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Pepper Money's 1-Year Share Buyback Ratio falls into.
* 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 1-Year Share Buyback Ratio of -1.00 mean?
Pepper Money (ASX:PPM) has a 1-Year Share Buyback Ratio of -1.00 as of Dec. 2025. The 1-Year Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past year, calculated as the percentage change in shares outstanding from the previous year to the current year. View historical data for Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #117 out of 224 companies in the Credit Services industry, placing it in the top 52.2%.
Is Pepper Money's 1-Year Share Buyback Ratio too high?
Pepper Money's current 1-Year Share Buyback Ratio is -1.00. Based on the distribution chart, Pepper Money ranks #117 out of 224 companies in the Credit Services industry, which is below the industry midpoint. Overall, Pepper Money has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's 1-Year Share Buyback Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #117 out of 224 companies for 1-Year Share Buyback Ratio. This places Pepper Money in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Share Buyback Ratio for a Credit Services company?
A good 1-Year Share Buyback Ratio depends on the Credit Services industry context. However, 1-Year Share Buyback Ratio 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 1-Year Share Buyback Ratio mean?
A high 1-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 1-Year Share Buyback Ratio measures the proportion of a company's outstanding shares repurchased over the past year, calculated as the percentage change in shares outstanding from the previous year to the current year. View historical data for Pepper Money and its competitors. Pepper Money's current 1-Year Share Buyback Ratio is -1.00. 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 Significantly Overvalued. The stock's GF Value™ is A$1.35, compared to a current price of A$1.77 — trading 31.1% above its estimated fair value. The current 1-Year Share Buyback Ratio is -1.00. Pepper Money's overall GF Score™ is 39/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Share Buyback Ratio calculated?
1-Year Share Buyback Ratio is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current 1-Year Share Buyback Ratio is -1.00 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$1.77 is trading 31.1% above its estimated GF Value™ of A$1.35.
GuruFocus considers Pepper Money to be Significantly Overvalued.
Key valuation signals for ASX:PPM:
1-Year Share Buyback Ratio: -1.00
GF Value™: A$1.35 vs. price of A$1.77 (31.1% above fair value)
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.
39GF Score
Get the complete analysis for ASX:PPM
1-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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