1. Australia Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Pepper Money Ltd

Pepper Money Ltd

1.66
AUD
0.00
(0.00%)
0.23EPS
9.15P/E
960.12MMarket Cap
Feb 18Next Earn
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Revenue per Share
- -
1.1
0.97
0.88
0.91
0.9
Basic EPS, GAAP
- -
0.87
0.32
0.25
0.22
0.24
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
0.14
0.09
0.1
0.26
Book Value per Share
1.14
1.45
1.82
1.88
1.94
1.96
Tangible Book Value per Share
1.05
1.38
1.48
1.56
1.65
1.68
Basic Weighted Avg Shares
440
359
440
440
441
443
Sales/Revenue/Turnover
- -
396
428
387
403
400
Operating Margin (%)
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
25
20
22
19
16
Net Income, GAAP
- -
313
141
111
99
105
Effective Tax Rate (%)
- -
29.84
30.34
26.9
29.81
28.6
Profit Margin (%)
- -
79.08
32.96
28.58
24.51
26.14
Working Capital
14,062
- -
- -
- -
- -
- -
LT Debt
13,656
- -
- -
- -
- -
- -
Total Equity
500
636
841
863
856
870
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
2
0.77
0.56
0.53
0.59
Return on Common Equity (%)
- -
55.12
19.61
13.61
11.75
12.12

Capital Structure

AUD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

AUD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

AUD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
12.58%
1.67%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
5.87%
Sales/Revenue/Turnover
- -
- -
-0.74%
Total Cash Common Dividend
- -
- -
161.68%

Semi-annual Revenue

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
387
2024
- -
- -
403
2025
- -
- -
400

Semi-annual Earnings Per Share

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.25
2024
- -
- -
0.22
2025
- -
- -
0.24

Semi-annual Dividends Per Share

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.09
2024
- -
- -
0.1
2025
- -
- -
0.26

Company Description

Company Profile APIChatGPT
CEO
Mario Rehayem
Full Time Employees
815
Sector
Finance
Industry
Finance/Rental/Leasing
Address
177 Pacific Highway North Sydney NSW Australia 2060
IPO Date
May 25, 2021
Website
pepper.com.au
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Business
Pepper Money Limited (ASX:PPM) operates as a leading non-bank lender specializing in residential mortgages, asset finance, and loan servicing primarily in Australia and New Zealand. The company offers a broad range of products including prime and non-conforming home loans for owner-occupied and investment properties; asset finance such as auto, equipment, commercial real estate, and novated leases; personal loans; commercial loans; SMSF loans; Sharia-compliant lending solutions; and third-party loan origination and broker services. Founded in 2000 and headquartered in North Sydney, New South Wales, Australia, Pepper Money conducts operations across Australia, New Zealand, and maintains support facilities in the Philippines, serving retail customers, small businesses, investors, and brokers with flexible lending options for underserved markets. In March 2024, the company acquired the remaining 35% shareholding in Stratton Finance Pty Ltd, consolidating its broker network capabilities. Most recently, in November 2025, Pepper Money, as part of a consortium with KKR, agreed to acquire Westpac's RAMS home loan portfolio comprising approximately $21.4 billion in residential mortgages, with Pepper Money assuming legal title and servicing responsibilities to expand its capital-light servicing business, subject to regulatory approvals and targeted completion in the third quarter of 2026.