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About the company
Pepper Money Limited is an Australia-based non-banking lender. The Company's segments include Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment includes both residential mortgages and commercial real estate and includes the revenues and direct expenses associated with the origination of residential mortgages in Australia and New Zealand and with the origination of small balance commercial real estate and self managed super fund (SMSF) loans in Australia, and its lending comprises residential prime and non-conforming mortgages. The Asset Finance segment is engaged in the ownership of loans secured over a range of assets, including new and used cars, caravans, small commercial equipment and novated leasing in Australia. The Loan and Other Servicing segment includes the servicing of loan portfolios for third parties conducted by the Company in Australia.
- Revenue in AUD (TTM)1.50bn
- Net income in AUD99.10m
- Incorporated2000
- Employees1.85k
- LocationPepper Money LtdLevel 27, 177 Pacific HighwayNORTH SYDNEY 2060AustraliaAUS
- Phone+61 28913-3030
- Fax+61 29463-4666
- Websitehttps://www.peppermoney.com.au/
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Peer analysis
Key Information
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CVC Ltd | 23.29m | 537.73k | 243.77m | 10.00 | 448.50 | 1.40 | -- | 10.47 | 0.0047 | 0.0047 | 0.1996 | 1.49 | 0.0675 | 2.95 | 0.5572 | -- | 0.3579 | 3.20 | 0.5064 | 4.02 | 56.61 | 45.58 | 5.31 | 20.40 | 0.5178 | -- | 0.4763 | 97.79 | 36.17 | 4.11 | 121.37 | -- | -3.26 | -- |
| Solvar Ltd | 207.38m | 31.42m | 334.29m | 351.00 | 11.60 | 0.986 | 9.78 | 1.61 | 0.1526 | 0.1526 | 1.01 | 1.80 | 0.209 | -- | 511.42 | -- | 3.17 | 4.46 | 4.80 | 5.41 | 97.04 | 97.94 | 15.15 | 19.35 | -- | 1.86 | 0.6246 | 70.43 | -3.99 | 10.83 | 84.39 | 7.20 | -17.04 | 11.84 |
| Humm Group Ltd | 656.60m | 20.80m | 342.55m | 730.00 | 16.42 | 0.6367 | 8.65 | 0.5217 | 0.0417 | 0.0417 | 1.31 | 1.08 | 0.1236 | -- | -- | -- | 0.4931 | -0.2827 | 0.4983 | -0.287 | 50.99 | 60.59 | 3.99 | -2.26 | -- | -- | 0.8976 | -- | 7.64 | 7.03 | 1,700.00 | 12.12 | -7.64 | -11.74 |
| COG Financial Services Ltd | 367.73m | 18.78m | 363.34m | 2.00k | 18.25 | 2.28 | 7.64 | 0.988 | 0.094 | 0.094 | 1.84 | 0.7535 | 0.5327 | 1,896.49 | 15.19 | -- | 4.31 | 2.98 | 9.10 | 6.31 | 54.62 | 45.00 | 8.08 | 4.92 | 0.9114 | 2.60 | 0.6455 | 217.87 | 1.49 | 10.97 | 46.10 | -- | -28.03 | 31.60 |
| Resimac Group Ltd | 1.07bn | 34.58m | 395.53m | 250.00 | 11.58 | 1.08 | 10.53 | 0.3685 | 0.0864 | 0.0864 | 2.68 | 0.9229 | 0.0672 | -- | 78.92 | -- | 0.2165 | 0.4528 | 0.3133 | 0.6324 | 15.79 | 23.64 | 3.22 | 8.74 | -- | 18.63 | 0.9781 | 52.15 | 7.13 | 17.93 | -0.0174 | -9.16 | -8.80 | 18.47 |
| Australian Finance Group Ltd | 952.60m | 35.00m | 539.44m | 277.00 | 15.66 | 2.42 | 11.75 | 0.5663 | 0.1268 | 0.1268 | 3.45 | 0.8202 | 0.1461 | -- | 36,638.46 | -- | 0.5427 | 0.6837 | 0.6629 | 1.68 | 11.99 | 13.12 | 3.72 | 4.73 | -- | -- | 0.962 | 81.36 | 14.95 | 8.91 | 20.79 | -1.67 | 14.28 | -1.78 |
| Latitude Group Holdings Ltd | 1.19bn | 61.30m | 925.36m | 1.01k | 15.71 | 0.7599 | 7.73 | 0.7805 | 0.0567 | 0.0545 | 1.07 | 1.17 | 0.1544 | -- | 456.00 | -- | 0.7984 | 0.3591 | 1.07 | 0.4209 | -- | -- | 5.17 | 2.75 | -- | 1.25 | 0.8405 | 218.42 | 11.26 | -3.21 | 122.29 | 2.43 | -18.54 | -- |
| Pepper Money Ltd | 1.50bn | 99.10m | 1.02bn | 1.85k | 10.67 | 1.31 | 8.64 | 0.6796 | 0.2146 | 0.2146 | 3.24 | 1.75 | 0.084 | -- | 93.04 | -- | 0.5558 | 0.576 | 0.5564 | 0.5974 | 30.32 | 36.78 | 6.62 | 10.11 | -- | 5.62 | 0.954 | 30.38 | 3.70 | 15.20 | -10.75 | 11.15 | -43.09 | -- |
| Liberty Group | 1.49bn | 133.97m | 1.15bn | -- | 8.67 | 0.9643 | 7.55 | 0.7729 | 0.4385 | 0.4385 | 4.89 | 3.94 | 0.0917 | -- | -- | -- | 0.8193 | 1.12 | 1.13 | 1.40 | 83.06 | 80.69 | 8.93 | 14.12 | -- | 1.17 | 0.925 | 65.40 | 2.14 | 11.86 | 15.69 | -0.1289 | -17.06 | -- |
| McMillan Shakespeare Ltd | 563.48m | 95.79m | 1.17bn | 1.31k | 12.31 | 10.37 | 7.01 | 2.08 | 1.37 | 1.36 | 8.05 | 1.62 | 0.4050 | -- | 13.29 | 429,808.50 | 6.88 | 7.24 | 12.55 | 13.01 | -- | -- | 17.00 | 15.06 | 1.03 | 4.41 | 0.8705 | 112.89 | 8.15 | 2.67 | 6.37 | 137.45 | 5.57 | 34.20 |
| Zip Co Ltd | 1.07bn | 79.90m | 3.19bn | 985.00 | 41.70 | 4.57 | 21.95 | 2.98 | 0.0602 | 0.0602 | 0.8188 | 0.5491 | 0.3205 | -- | 0.411 | -- | 2.39 | -11.02 | 2.65 | -11.70 | 62.28 | 57.17 | 7.46 | -47.98 | -- | 1.11 | 0.7736 | -- | 23.46 | 46.25 | 1,312.07 | -- | 0.0164 | -- |
Data as of Feb 17 2026. Currency figures normalised to Pepper Money Ltd's reporting currency: Australian Dollar AUD
19.69%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AustralianSuper Pty Ltd.as of 31 Jan 2025 | 50.29m | 11.31% |
| Australian Ethical Investments Ltd. (Investment Management)as of 31 Jan 2025 | 22.24m | 5.00% |
| Netwealth Investments Ltd.as of 31 Jan 2025 | 8.49m | 1.91% |
| DFA Australia Ltd.as of 31 Dec 2025 | 4.58m | 1.03% |
| Dimensional Fund Advisors LPas of 31 Jan 2026 | 858.62k | 0.19% |
| Segall Bryant & Hamill LLCas of 31 Dec 2025 | 531.11k | 0.12% |
| Russell Investment Management Ltd.as of 30 Sep 2025 | 266.99k | 0.06% |
| Dimensional Fund Advisors Ltd.as of 30 Nov 2025 | 157.41k | 0.04% |
| Vanguard Investments Australia Ltd.as of 31 Dec 2025 | 69.81k | 0.02% |
| WCM Investment Management LLCas of 31 Jan 2026 | 42.62k | 0.01% |
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Data from 31 Dec 2025 - 11 Feb 2026Source: FactSet Research Systems Inc.
