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Home CompaniesPepper Money Ltd

Pepper Money Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
1.775 AUD -0.02 ( 1.11%)
Last update at 2026-11-06T06:11:00Z
VOLUME
147146
Market Cap
806.64M
P/E
7.80

Momentum Score

…

Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing for residential home loans, small balance commercial real estate loans, and self-managed super fund mortgages. The Asset Finance segment finances a range of asset types for consumer and commercial customers. The Loan and Other Servicing segment provides independent loan servicing for mortgages, and asset finance and personal loans. It also offers auto and equipment finance, novated leases, and third-party loan services. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia. Pepper Money Limited is a subsidiary of Pepper Group Anz Holdco Limited.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
1.75
Low
1.80
High
52 Week Price Range
1.44
Low
2.33
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Pepper Money is an Australian non-bank lender providing residential mortgages, asset-backed consumer and SME loans and loan servicing in Australia and select overseas markets. Long-term growth drivers include rising demand for alternative lenders, loan-book diversification and recurring servicing fees that may support earnings and scale. The company appears positioned to benefit from asset-backed, risk-priced lending.
Major risks include higher credit losses from a housing or economic downturn, funding and liquidity pressures that raise cost of capital, and tighter regulation or competitive intensity that could compress margins.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
1.79
Dividend Yield
8.43%
Revenue TTM
418.90M
Revenue Per Share
0.94
Gross Profit TTM
392.40M
Debt / Equity
20.02
ROE
12.98%
Net Debt
16148.20M
ROCE
119.66%
Diluted EPS TTM
0.23

Insight Announcement

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Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 146.50M 139.90M 148.70M 201.70M 186.30M
Minority interest - 0.60M 2.00M 0.50M -
Net income 104.60M 98.80M 110.70M 141.00M 312.90M
Selling general administrative 199.90M 146.80M 138.20M 123.80M 109.40M
Selling and marketing expenses - 15.40M 14.90M 13.80M 10.80M
Gross profit 1386.60M 1531.20M 1447.20M 351.70M 324.00M
Reconciled depreciation - 19.40M 21.90M 20.40M 20.50M
Ebit 1109.00M 1271.20M 1259.00M 202.20M 364.50M
Ebitda 1125.40M 1290.60M 1280.90M 222.60M 389.00M
Depreciation and amortization 16.40M 19.40M 21.90M 20.40M 24.50M
Operating income 1109.00M 1271.20M 1259.00M 202.20M 368.50M
Other operating expenses 340.60M 1357.90M 304.60M 174.90M 137.30M
Interest expense 962.50M 1094.70M 1066.10M 579.80M 334.00M
Tax provision 41.90M 41.70M 40.00M 61.20M 55.60M
Interest income 26.00M 1436.10M 1402.20M 15.40M 10.10M
Net interest income - 341.40M 336.10M 375.60M 356.30M
Extraordinary items - - - 0.00M 182.20M
Income tax expense 41.90M 41.70M 40.00M 61.20M 55.60M
Total revenue 1449.60M 1580.10M 1523.70M 427.80M 395.70M
Total operating expenses 277.60M 193.90M 188.20M 174.90M 137.30M
Cost of revenue 63.00M 48.90M 76.50M 76.10M 71.70M
Total other income expense net -962.50M -1150.70M -1110.30M -0.50M -182.20M
Discontinued operations - - - - 182.20M
Net income from continuing ops - 98.20M 108.70M 140.50M 130.70M
Net income applicable to common shares 104.60M 98.80M - 141.00M 312.90M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 18399.70M 17472.40M 20207.70M 19919.40M 17268.20M
Intangible assets 121.50M 30.10M 42.80M 54.10M 31.50M
Other current assets - -13.90M - - -
Total liab 17529.80M 16616.80M 19344.90M 18992.60M 16528.40M
Total stockholder equity 869.90M 855.60M 825.40M 801.90M 636.40M
Other current liab - -16483.40M - -18992.60M -16528.40M
Common stock 738.00M 730.70M - 729.60M 729.30M
Capital stock - 730.70M 729.80M 729.60M 729.30M
Retained earnings 84.70M 100.30M 45.60M -27.50M -105.30M
Other liab - - - 20.70M 11.80M
Good will 98.20M 98.20M 98.20M 98.20M -
Other assets 1192.10M 17472.40M - 18474.60M 15886.30M
Cash 1267.00M 1226.20M 1528.70M 1243.60M 1309.20M
Total current liabilities - - - 18992.60M 16528.40M
Net debt 16148.20M 15241.20M 17728.30M 17735.60M 15208.00M
Short term debt 0.00M 16467.40M - 18979.20M 16517.20M
Short long term debt - 16467.40M 19257.00M 18979.20M 16517.20M
Short long term debt total 17415.20M 16467.40M - 18979.20M 16517.20M
Other stockholder equity 23.60M - - 90.00M 12.40M
Property plant equipment 18.90M - - 19.00M 6.60M
Total current assets 1292.20M 1241.50M - 1254.10M 1320.80M
Long term investments - 15.30M 19.20M 19.40M 23.00M
Net tangible assets - - - 649.60M 604.90M
Short term investments - 15.30M 0.20M 0.20M 2.20M
Net receivables 25.20M 13.90M 21.20M 10.30M 9.40M
Long term debt 17372.40M - - 18979.20M 16517.20M
Accounts payable - 16.00M 17.10M 13.40M 11.20M
Accumulated other comprehensive income 47.20M 24.60M - 99.80M 12.40M
Non currrent assets other 10.30M -169.00M - -190.70M -61.10M
Non current assets total 17107.50M 16230.90M - 190.70M 61.10M
Long term debt total 17390.40M - - 18997.40M 16517.20M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -49.30M -7.50M -87.60M -4.00M
Change to liabilities - - - 2.30M -4.00M
Total cashflows from investing activities -5.70M -49.30M - -87.60M -266.40M
Net borrowings - -2805.70M - 2383.20M 2279.40M
Total cash from financing activities 761.30M -2852.10M 194.30M 2319.90M 3680.60M
Change to operating activities - - - -2593.50M -2594.00M
Net income - 98.80M 110.70M 141.00M 130.70M
Change in cash 40.80M -302.50M 285.10M -65.60M 423.70M
Begin period cash flow 1226.20M 1528.70M 1243.60M 1309.20M 885.50M
End period cash flow - 1226.20M 1528.70M 1243.60M 1309.20M
Total cash from operating activities -714.80M 2598.90M 98.30M -2297.90M -2990.50M
Issuance of capital stock - - - - 488.20M
Depreciation - - 21.90M 7.60M 24.50M
Other cashflows from investing activities 0.00M -41.90M - -77.40M -32.80M
Dividends paid 115.40M -44.10M 37.80M 63.30M 63.30M
Change to account receivables - - - -5.60M -2.20M
Sale purchase of stock -0.40M -2.50M - 0.00M 488.20M
Other cashflows from financing activities 0.00M 0.20M 470.80M 11403.10M 3200.70M
Change to netincome - - - 39.80M -808.10M
Capital expenditures 5.70M 7.40M 7.10M 10.20M 10.10M
Change in working capital 174.00M 2252.50M -203.90M -1770.10M -3257.30M
Stock based compensation - - 21.80M 15.50M 14.80M
Other non cash items - 346.40M 169.60M 127.60M 166.80M
Free cash flow - 2591.50M 91.20M -10.20M -3000.60M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

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)
PPM
Pepper Money Ltd		 -0.02
1.11%		 1.77 7.80 5.75 1.93 0.90 45.61
ZIP
ZIP Co Ltd		 -0.12
5.61%		 2.02 20.10 12.32 1.87 3.53 3.52
CCP
Credit Corp Group Ltd		 0.07
0.45%		 15.64 10.05 8.78 2.22 1.13 2.50
LFG
Liberty Financial Group		 -
-%		 3.35 7.13 6.71 1.63 0.86 40.84
LFS
Latitude Group Holdings Ltd		 0.04
4.22%		 0.86 9.22 - 1.59 0.66 6.49

Profile*

Pepper Money Ltd

Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing for residential home loans, small balance commercial real estate loans, and self-managed super fund mortgages. The Asset Finance segment finances a range of asset types for consumer and commercial customers. The Loan and Other Servicing segment provides independent loan servicing for mortgages, and asset finance and personal loans. It also offers auto and equipment finance, novated leases, and third-party loan services. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia. Pepper Money Limited is a subsidiary of Pepper Group Anz Holdco Limited.

177 Pacific Highway, North Sydney, NSW, Australia, 2060

61 2 7227 1555

https://www.peppermoney.com.au

Name Title Year Born
Mr. Mario Rehayem CEO & Director NA
Ms. Therese McGrath CFO & Director NA
Mr. Michael C. Culhane Group Chief Exec. Officer & Director 1968
Mr. Matthew Tinker Gen. Mang. of Operations NA
Mr. Neale Kant Chief Information Officer NA
Ms. Joanne Thrift Chief Marketing Officer NA
Mr. Ryan Brailsford Head of Sales NA
Ms. Sue Kent Head of HR NA
Mr. James Henshaw Head of Lenging Technology NA
Mr. Timothy Cecil Group Chief Risk Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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