Pepper Money Ltd

As of December 31, 2025, Pepper Money Ltd carries a market capitalization of 960.12M, placing it among publicly traded companies globally. Its enterprise value stands at 17.05B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Pepper Money Ltd's next confirmed earnings release is scheduled for February 18, 2027.

As of December 31, 2025, Pepper Money Ltd has 444.50M shares outstanding.

As of December 31, 2025, Pepper Money Ltd trades at a trailing price-to-earnings ratio of 9.15. The price-to-sales ratio is 2.39, and the price-to-book ratio stands at 1.10.

These figures are as of December 31, 2025. The EV/Sales ratio of 42.62 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. These enterprise value multiples are built on an enterprise value of 17.05B versus a market cap of 960.12M, with the gap driven by net debt and cash on the balance sheet.

These figures are as of December 31, 2025.

Over the twelve months ended December 31, 2025, Pepper Money Ltd posted a return on equity (ROE) of 12.12, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 0.58, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 0.59, useful for judging operating efficiency across full business cycles. The company generates approximately 490,920.25 in revenue per employee across its workforce of 815.00, a quick read on workforce productivity versus industry peers.

Over the twelve months ended December 31, 2025, Pepper Money Ltd recorded 41.90M in income tax expense. That works out to an effective tax rate of 28.60, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 146.50M, leaving 104.60M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

As of the close on October 22, 2026, Pepper Money Ltd's stock has declined approximately 20.95% over the past 52 weeks. The 50-day moving average sits at 1.78, while the 200-day moving average is 1.82.

Over the twelve months ended December 31, 2025, Pepper Money Ltd generated 400.10M in revenue and converted that into 104.60M in net income, yielding earnings per share of 0.23.

As of December 31, 2025, Pepper Money Ltd holds 1.28B in cash and equivalents against 17.37B in total debt, resulting in a net debt position of 16.11B.

These figures cover the twelve months ended December 31, 2025.

These figures cover the twelve months ended December 31, 2025.

Over the twelve months ended December 31, 2025, Pepper Money Ltd paid dividends of 0.26 per share. The dividend payout ratio of 110.33 exceeds 100%, meaning the company is distributing more than it earns and funding the dividend from cash reserves, asset sales, or borrowing, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Total shareholder yield is negative at -79.29, meaning Pepper Money Ltd raised more capital through share issuance and new debt than it returned via dividends and buybacks.