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Peppermint Innovation Limited engages in the development and commercialization of mobile banking, payment, and remittance platforms in the Philippines and Australia. It operates through Mobile banking and Payment Services; and AI/CX services. The company's products include Bizmoto, a mobile payment system; BizmoTinda, an e-commerce platform accessible to agents, merchants, and consumers; BizmoGo riders that provide on-demand curbside delivery and logistics services; and BizmoProtect, a mobile app based micro-insurance service, as well as white label banking software solutions. Peppermint Innovation Limited is headquartered in Perth, Australia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Peppermint Innovation Ltd (ASX: PIL) is an Australian-listed company for which public information on its core operations and assets is scarce. Long-term growth would depend on identification and commercialization of any underlying assets or technologies and on improving transparency and scale. Investors may find speculative upside if the company clarifies its strategy and secures financing.
Primary risks are very limited disclosure, low liquidity and small-cap execution and financing risk that could prevent value realization.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | -2.40M | -2.13M | -4.20M | -2.18M | -3.59M |
| Net income | -2.40M | -1.72M | -3.87M | -2.18M | -3.59M |
| Selling general administrative | 1.85M | 2.71M | 3.75M | 1.68M | 2.59M |
| Selling and marketing expenses | - | 0.02M | 0.09M | - | 0.31M |
| Gross profit | 0.09M | 0.12M | 0.47M | 0.11M | 0.07M |
| Reconciled depreciation | 0.00M | 0.00M | 0.02M | 0.02M | 0.00M |
| Ebit | -2.33M | -2.61M | -3.86M | -2.18M | -3.44M |
| Ebitda | -2.33M | -2.61M | -3.84M | -2.15M | -3.44M |
| Depreciation and amortization | - | 0.01M | 0.02M | 0.02M | 0.00M |
| Operating income | -2.20M | -2.61M | -4.11M | -2.46M | -3.44M |
| Other operating expenses | - | 2.92M | 4.99M | 2.83M | 4.76M |
| Interest expense | 0.07M | 0.09M | 0.01M | 0.00M | 0.15M |
| Tax provision | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Interest income | 0.00M | 0.01M | 0.03M | 0.02M | 0.00M |
| Net interest income | -0.06M | -0.09M | 0.01M | 0.02M | -0.15M |
| Extraordinary items | - | 0.41M | -0.21M | - | - |
| Income tax expense | - | -0.31M | -0.33M | 0.02M | 0.00M |
| Total revenue | 0.22M | 0.31M | 0.87M | 0.38M | 1.31M |
| Total operating expenses | - | 2.73M | 3.95M | 2.30M | 3.51M |
| Cost of revenue | 0.13M | 0.19M | 0.40M | 0.28M | 1.25M |
| Total other income expense net | -0.13M | 0.48M | -0.09M | 0.02M | -0.15M |
| Net income from continuing ops | -2.40M | -2.13M | -3.87M | -2.18M | -3.59M |
| Net income applicable to common shares | - | -1.72M | -3.87M | -2.18M | -3.59M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Total assets | 1.41M | 0.93M | 1.60M | 3.45M | 5.82M |
| Other current assets | 0.00M | 0.02M | 0.01M | 0.04M | 0.04M |
| Total liab | 1.99M | 1.90M | 1.14M | 0.57M | 0.73M |
| Total stockholder equity | -0.58M | -0.96M | 0.45M | 2.87M | 5.09M |
| Other current liab | - | - | 1.14M | 0.12M | 0.31M |
| Common stock | - | - | 26.48M | 25.41M | 25.41M |
| Capital stock | 29.52M | 26.80M | - | 25.41M | 25.41M |
| Retained earnings | -31.17M | -28.77M | -27.26M | -23.21M | -21.03M |
| Other assets | - | - | 0.00M | 0.01M | 0.03M |
| Cash | 1.32M | 0.48M | 1.23M | 3.12M | 5.57M |
| Cash and equivalents | - | - | - | 3.12M | 5.57M |
| Total current liabilities | 1.99M | 1.90M | 1.14M | 0.57M | 0.73M |
| Net debt | - | - | -1.23M | -3.12M | -5.57M |
| Short term debt | - | - | - | 0.00M | 0.00M |
| Short long term debt | - | 0.42M | - | - | - |
| Other stockholder equity | - | - | - | -3.68M | -6.12M |
| Property plant equipment | - | - | - | 0.01M | 0.03M |
| Total current assets | 1.40M | 0.91M | 1.59M | 3.44M | 5.79M |
| Net tangible assets | - | - | - | 2.66M | 5.09M |
| Net receivables | 0.04M | 0.09M | 0.35M | 0.29M | 0.18M |
| Inventory | - | - | - | 0.04M | 0.04M |
| Accounts payable | - | - | - | 0.46M | 0.42M |
| Accumulated other comprehensive income | - | - | 1.23M | 0.67M | 0.72M |
| Non currrent assets other | - | - | 0.00M | 0.01M | 0.03M |
| Non current assets total | 0.01M | 0.02M | 0.01M | 0.01M | 0.03M |
| Long term debt total | - | - | - | 0.00M | 0.00M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Investments | - | 0.26M | 0.26M | - | 0.34M |
| Change to liabilities | - | - | - | 0.03M | 0.06M |
| Total cashflows from investing activities | - | 0.26M | 0.26M | 0.00M | 0.34M |
| Net borrowings | -0.71M | - | - | - | -0.04M |
| Total cash from financing activities | 1.68M | 1.20M | 1.03M | 0.00M | 5.16M |
| Change to operating activities | - | - | - | 0.03M | 0.12M |
| Net income | -2.40M | -1.72M | -3.87M | -2.44M | -3.59M |
| Change in cash | 0.81M | -0.75M | -1.83M | -2.46M | 2.46M |
| Begin period cash flow | 0.48M | 1.23M | 3.06M | 5.57M | 3.11M |
| End period cash flow | 1.32M | 0.48M | 1.23M | 3.12M | 5.57M |
| Total cash from operating activities | - | -2.19M | -3.10M | -2.63M | -3.03M |
| Issuance of capital stock | 2.46M | 1.00M | 1.10M | 0.00M | 5.55M |
| Depreciation | - | 0.01M | 0.13M | 0.02M | -0.03M |
| Other cashflows from investing activities | - | 0.27M | 0.00M | 0.00M | 0.34M |
| Dividends paid | - | - | - | - | -5.16M |
| Change to inventory | - | -0.01M | 0.01M | 0.02M | 0.02M |
| Change to account receivables | - | -0.33M | 0.07M | -0.20M | -0.09M |
| Sale purchase of stock | -0.07M | 0.00M | -0.07M | 0.00M | -0.35M |
| Other cashflows from financing activities | - | 0.20M | 0.26M | 0.05M | 0.34M |
| Change to netincome | - | - | - | -0.10M | 0.47M |
| Capital expenditures | 0.02M | 0.01M | 0.00M | 0.00M | 0.00M |
| Change in working capital | - | -0.27M | 0.14M | -0.17M | -0.07M |
| Stock based compensation | - | - | 0.65M | -0.10M | 0.32M |
| Other non cash items | - | -0.21M | -0.15M | -0.21M | 0.59M |
| Free cash flow | -1.07M | -2.20M | -3.10M | -2.63M | -3.03M |
Sector: Technology Industry: Software - Infrastructure
|
Stock Name
|
Change
(AUD) |
Price
(AUD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| PIL Peppermint Innovation Ltd |
- -% |
0.00 | - | - | 60.18 | 15.99 | 15.96 | -11.44 |
| XYZ Block, Inc |
-0.24 0.19% |
125.71 | 111.51 | 15.77 | 2.89 | 2.22 | 1.63 | 11.60 |
| MP1 Megaport Ltd |
-0.52 2.70% |
18.74 | - | 138.89 | 13.81 | 4.10 | 12.09 | 155.41 |
| CCL Cuscal Ltd |
-0.15 2.52% |
5.80 | 26.77 | 20.28 | 1.97 | 2.73 | 5.15 | 10.93 |
| AXQ Aura Consolidated Group, Inc. |
-0.69 18.35% |
3.07 | - | - | 3.78 | - | 5.49 | - |
Peppermint Innovation Limited engages in the development and commercialization of mobile banking, payment, and remittance platforms in the Philippines and Australia. It operates through Mobile banking and Payment Services; and AI/CX services. The company's products include Bizmoto, a mobile payment system; BizmoTinda, an e-commerce platform accessible to agents, merchants, and consumers; BizmoGo riders that provide on-demand curbside delivery and logistics services; and BizmoProtect, a mobile app based micro-insurance service, as well as white label banking software solutions. Peppermint Innovation Limited is headquartered in Perth, Australia.
Exchange Towers, The Wentworth Building, Perth, WA, Australia, 6000
61 8 6255 5504
| Name | Title | Year Born |
|---|---|---|
| Mr. Anthony John Kain BJuris, L.L.B., LLB | Exec. Chairman & Company Sec. | NA |
| Mr. Christopher Kain B.Com., M.B.A., BComm, MBA | MD, CEO & Exec. Director | NA |
| Mr. Michael Van Uffelen A.C.A., B.Com., Bcom., CA | CFO & Director | NA |
| Mr. Adrian Ignacio Ocampo | CTO, COO & Marketing Mang. | 1977 |
| Ms. Rosarito Deferia Carrillo | Chief Compliance Officer | 1965 |
| Mr. Rama Indrawan | Head of Engineering | NA |
| Ms. Gayle Cilfone | Key Compliance Consultant | NA |
| Mr. Anthony John Kain BJuris, L.L.B., LLB | Executive Chairman of the Board & Company Secretary | NA |
| Mr. Christopher Kain B.Com., M.B.A., BComm, MBA | MD, CEO & Executive Director | NA |
| Mr. Michael van Uffelen A.C.A., B.Com., Bcom., CA | Chief Financial Officer | NA |
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