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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 in Australia and New Zealand, 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 and small commercial equipment in Australia. The Loan and Other Servicing segment include the servicing of loan portfolios for third parties conducted by the Company in Australia. The Loan and Other Servicing segment also include loan broker servicing (administration and compliance support). It has a range of product offerings, including residential home loans, asset finance, commercial real estate and novated leases in Australia and residential home loans in New Zealand.
- Revenue in AUD (TTM)1.52bn
- Net income in AUD110.70m
- Incorporated2000
- Employees1.85k
- LocationPepper Money Ltd146 Arthur StreetSYDNEY 2060AustraliaAUS
- Phone+61 28913-3030
- Fax+61 29463-4666
- Websitehttps://www.peppermoney.com.au/
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Mergers & acquisitions
| Acquired company | PPM:ASX since announced | Transaction value |
|---|---|---|
| Hongkong & Shanghai Banking Corp Ltd-Prime Residential Mortgage Portfolio | 9.93% | 58.45m |
Data delayed at least 20 minutes, as of Apr 26 2024 07:10 BST.
Peer analysis
Key Information
- Key Information
- Stock Performance
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solvar Ltd | 215.42m | 35.10m | 205.94m | 351.00 | 5.87 | 0.5469 | 5.52 | 0.956 | 0.166 | 0.166 | 1.02 | 1.78 | 0.2166 | -- | 0.8784 | -- | 3.53 | 6.22 | 4.03 | 6.74 | 97.48 | 98.48 | 16.29 | 24.27 | -- | 1.99 | 0.6246 | 62.96 | 11.42 | 23.25 | -7.75 | 17.59 | -1.18 | 11.67 |
| CVC Ltd | 57.09m | 12.87m | 221.97m | 10.00 | 17.42 | 1.26 | 16.37 | 3.89 | 0.1091 | 0.1091 | 0.4864 | 1.50 | 0.1885 | 1.56 | 1.58 | -- | 4.11 | 3.59 | 5.06 | 4.28 | 26.11 | 43.95 | 21.82 | 19.31 | 1.38 | -- | 0.4499 | 138.46 | 16.29 | 10.25 | 119.75 | -9.99 | -27.04 | -9.71 |
| Humm Group Ltd | 565.40m | -15.20m | 232.65m | 730.00 | -- | 0.3921 | 37.52 | 0.4115 | -0.0354 | -0.0354 | 1.33 | 1.16 | 0.1196 | -- | 77.45 | -- | -0.2242 | -0.1421 | -0.2268 | -0.1449 | 54.32 | 72.66 | -1.87 | -1.03 | -- | -- | 0.8872 | -- | 15.89 | 1.28 | 99.02 | -- | -9.10 | -23.16 |
| COG Financial Services Ltd | 441.17m | 8.88m | 249.42m | 2.00k | 27.59 | 1.57 | 6.83 | 0.5654 | 0.0464 | 0.0464 | 2.32 | 0.8176 | 0.8246 | 924.11 | 21.70 | 220,583.50 | 3.74 | 1.52 | 8.43 | 2.74 | 38.31 | 38.73 | 4.54 | 2.31 | 0.7421 | 4.35 | 0.5481 | -- | 14.04 | 17.28 | -59.08 | 16.01 | -27.99 | -- |
| EML Payments Ltd | 288.70m | -167.31m | 382.42m | 659.00 | -- | 2.31 | -- | 1.32 | -0.4474 | -0.4474 | 0.7713 | 0.4421 | 0.0908 | -- | 4.69 | 438,080.40 | -5.26 | -3.54 | -49.67 | -15.88 | 72.49 | 69.22 | -57.95 | -35.34 | -- | -- | 0.3687 | -- | 9.38 | 29.05 | -5,832.60 | -- | 17.42 | -- |
| OFX Group Ltd | 228.86m | 31.41m | 390.68m | -- | 12.75 | 2.68 | 8.75 | 1.71 | 0.1243 | 0.1243 | 0.9056 | 0.5916 | 0.4292 | -- | 32.80 | -- | 5.89 | 5.74 | 6.00 | 5.92 | 93.55 | 91.30 | 13.72 | 13.40 | -- | 7.67 | 0.3545 | 26.55 | 44.47 | 13.67 | 25.58 | 10.95 | 32.50 | -- |
| Australian Finance Group Ltd | 797.93m | 29.88m | 410.22m | 277.00 | 13.91 | 2.22 | 10.53 | 0.5141 | 0.1089 | 0.1089 | 2.91 | 0.682 | 0.131 | -- | 480.10 | -- | 0.5219 | 0.8971 | 0.6487 | 2.33 | 12.28 | 13.72 | 3.98 | 5.63 | -- | -- | 0.9543 | 78.81 | -9.07 | 6.94 | -3.78 | 2.28 | 108.61 | 1.11 |
| Resimac Group Ltd | 991.45m | 47.78m | 414.00m | 250.00 | 8.70 | 0.9952 | 8.38 | 0.4176 | 0.119 | 0.119 | 2.47 | 1.04 | 0.0638 | -- | 49.25 | -- | 0.3082 | 0.5659 | 0.4743 | 0.7127 | 16.95 | 31.47 | 4.83 | 13.48 | -- | 5.24 | 0.9714 | 29.80 | 81.37 | 18.58 | -34.95 | 21.28 | -39.50 | 34.76 |
| Pepper Money Ltd | 1.52bn | 110.70m | 684.39m | 1.85k | 6.39 | 0.8259 | 5.24 | 0.4492 | 0.2427 | 0.2427 | 3.34 | 1.88 | 0.0759 | -- | 96.74 | -- | 0.5418 | 0.5319 | 0.5437 | 0.5777 | 28.08 | 39.38 | 7.13 | 10.94 | -- | 7.05 | 0.9571 | 22.80 | 43.25 | 7.12 | -21.49 | 40.10 | -33.35 | -- |
| Fleetpartners Group Ltd | 676.77m | 81.02m | 850.81m | 1.20k | 11.66 | 1.36 | 3.20 | 1.26 | 0.2992 | 0.2992 | 2.50 | 2.57 | 0.3167 | 24.72 | 9.01 | -- | 3.79 | 2.55 | 4.85 | 3.25 | 41.42 | 38.73 | 11.97 | 8.18 | -- | 3.18 | 0.6853 | 0.00 | 0.0161 | -0.4018 | -21.58 | 16.86 | -50.78 | -- |
Data as of Apr 26 2024. Currency figures normalised to Pepper Money Ltd's reporting currency: Australian Dollar AUD
14.77%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AustralianSuper Pty Ltd.as of 31 Jan 2024 | 50.29m | 11.43% |
| Netwealth Investments Ltd.as of 31 Jan 2024 | 11.01m | 2.50% |
| DFA Australia Ltd.as of 29 Feb 2024 | 1.41m | 0.32% |
| BlackRock Fund Advisorsas of 04 Apr 2024 | 686.65k | 0.16% |
| Vanguard Investments Australia Ltd.as of 31 Mar 2024 | 411.45k | 0.09% |
| Dimensional Fund Advisors LPas of 31 Jan 2024 | 362.39k | 0.08% |
| Russell Investment Management Ltd.as of 29 Dec 2023 | 251.25k | 0.06% |
| TIAA-CREF Investment Management LLCas of 29 Feb 2024 | 202.17k | 0.05% |
| UBS Asset Management (UK) Ltd.as of 02 Apr 2024 | 184.25k | 0.04% |
| Segall Bryant & Hamill LLCas of 31 Mar 2024 | 173.42k | 0.04% |
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Data from 31 Dec 2023 - 18 Apr 2024Source: FactSet Research Systems Inc.
