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Pepper Money Limited (PPM.AX)
North Sydney, NSW, AU
Pepper Money Limited, an Australian non-bank financial institution established in 2000 and headquartered in North Sydney, serves clients in both Australia and New Zealand. It primarily operates as a lender within the mortgage and asset finance sectors. The company's activities are structured into three main divisions. Its Mortgages division extends financing for residential properties and smaller commercial real estate projects. Through its Asset Finance segment, Pepper Money provides funding for a wide range of assets to both individual consumers and commercial enterprises. Furthermore, the Loan and Other Servicing division offers independent management services for various loans, including mortgages and personal loans, as well as handling broker administration. The entity was formerly known as Pepper Group Pty Limited.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.91% | -1.18% | -3.47% | -30.99% | -31.84% | -22.69% | +0.60% | +28.46% | -30.99% | -36.02% | -36.02% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | +1 |
| Buy | 1 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%-8.3% Q4'25: -8.8% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+9.5% Q4'25: -7.7% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+8.0% Q4'25: -120.0% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+76.5% ★ Q4'25: +75.2% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+4.7% Q4'25: +9.5% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%-0.2% ★ Q4'25: +2.1% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×15.47× Q4'25: 7.83× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 3 EPS Ana. |
Dec 2027 3 Rev. Ana. 3 EPS Ana. |
Dec 2028 3 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
771.30M
est: 375.38M (+105.5%)
|
1.06B
est: 423.89M (+150.9%)
|
1.52B
est: 394.80M (+285.9%)
|
1.58B
est: 392.83M (+302.2%)
|
1.45B
est: 356.76M (+306.3%)
|
439.06M
436.42M – 443.93M
+23.1% YoY
|
463.88M
456.76M – 468.33M
+5.7% YoY
|
491.55M
486.23M – 496.62M
+6.0% YoY
|
| EBITDA |
545.10M
est: 223.00M (+144.4%)
|
801.90M
est: 251.82M (+218.4%)
|
—
est: 241.12M (-100.0%)
|
1.29B
est: 239.92M (+437.9%)
|
1.13B
est: 217.89M (+416.5%)
|
268.16M
266.55M – 271.13M
+23.1% YoY
|
283.32M
278.97M – 286.03M
+5.7% YoY
|
300.21M
296.96M – 303.31M
+6.0% YoY
|
| EBIT |
520.60M
est: 214.81M (+142.4%)
|
781.50M
est: 242.57M (+222.2%)
|
-21.90M
est: 234.10M (-109.4%)
|
1.27B
est: 232.93M (+445.7%)
|
1.11B
est: 211.55M (+424.2%)
|
260.35M
258.78M – 263.23M
+23.1% YoY
|
275.07M
270.85M – 277.71M
+5.7% YoY
|
291.47M
288.32M – 294.48M
+6.0% YoY
|
| Net Income |
120.80M
est: 131.32M (-8.0%)
|
141.00M
est: 141.11M (-0.1%)
|
110.70M
est: 109.57M (+1.0%)
|
98.80M
est: 85.33M (+15.8%)
|
104.60M
est: 96.12M (+8.8%)
|
111.93M
100.28M – 115.69M
+16.4% YoY
|
125.19M
109.69M – 131.74M
+11.8% YoY
|
136.10M
120.54M – 159.49M
+8.7% YoY
|
| SGA |
120.20M
est: 49.59M (+142.4%)
|
137.60M
est: 56.00M (+145.7%)
|
153.10M
est: 38.56M (+297.1%)
|
162.20M
est: 38.37M (+322.8%)
|
—
est: 34.84M (-100.0%)
|
42.88M
42.62M – 43.36M
+23.1% YoY
|
45.31M
44.61M – 45.74M
+5.7% YoY
|
48.01M
47.49M – 48.50M
+6.0% YoY
|
| EPS |
0.34
est: 0.28 (+19.9%)
|
0.32
est: 0.30 (+6.0%)
|
0.24
est: 0.24 (+1.2%)
|
0.22
est: 0.18 (+19.1%)
|
0.24
est: 0.21 (+15.4%)
|
0.24
0.22 – 0.25
+14.9% YoY
|
0.27
0.24 – 0.29
+12.1% YoY
|
0.29
0.26 – 0.35
+9.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-28 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-27 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-26 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-25 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-22 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-21 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-20 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-19 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-18 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-15 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-14 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-13 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-12 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-01 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-24 | B- | 3/5 | 1/5 | 4/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 4/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Avantis Responsible International Equity ETF AVSD | 0.01% | 26.7K | 0.23% |
| 2 | Avantis International Small Cap Value ETF AVDV | 0.00% | 356.7K | 0.36% |
| 3 | Avantis International Equity ETF AVDE | 0.00% | 67.7K | 0.23% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Mario Rehayem | Chief Executive Officer & Director | 2M | male |
| Therese McGrath | Chief Financial Officer | 1M | female |
| John Williams | General Counsel & Company Secretary | — | male |
| Matt Perry | Head of Product for Asset Finance | — | male |
| Matthew Tinker | Chief Service Officer | — | male |
| Andrew Gamble | Head of Sales - Asset Finance | — | male |
| Neil Culkin | Head of Credit and Settlements Mortgages & Commercial Lending | — | male |
| Sarah Pikardt | Chief Marketing Officer | — | female |
| Steven Meek | Chief Information Officer | — | male |
| Sue Kent | Chief Human Resource Officer | — | female |
| Michael Vainauskas | Chief Risk Officer | — | male |
| John Paul Williams | General Counsel & Company Secretary | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PPM.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
