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Employees: 815
Size Pepper Money (PPM.AX) is an Australia Financials company (Finance/Rental/Leasing) with a market value of $553M, the 249th largest of 316 Australia companies the cockpit tracks. Shares closed at A$1.77 on 6 Nov 2026.
Performance Over six months the shares gained 5.7%, against -2.9% for the median peer and +4.1% for the Australia market (cap-weighted) — 5th highest of 19 in its peer set.
Growth Revenue fell 0.7% over the last twelve months (peer median +9.6%); the operating margin is 75.5% (peer median 20.4%).
Valuation It trades at 0.90× book value against a peer median of 1.20× (8th cheapest of 20).
Price implies The share price implies a return on equity of about 13.1%; Pepper Money delivers 13.0%, so the price asks more than the business earns today.
Next results Next results expected around 18 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | A$1.49B | A$1.45B | A$1.58B | A$1.52B | A$1.06B |
| Revenue growth | — | -8% | +4% | +43% | — |
| Gross profit | A$1.44B | A$1.40B | A$1.53B | A$1.45B | A$988M |
| EBITDA | A$1.24B | A$1.22B | A$1.36B | A$1.28B | A$835M |
| Net income | A$108M | A$105M | A$98.8M | A$111M | A$141M |
| Free cash flow | -A$2.67B | -A$715M | A$2.60B | A$91.2M | -A$2.31B |
| Capital expenditure | A$2.40M | A$5.70M | A$7.40M | A$7.10M | A$10.2M |
| Total debt | n/a | A$17.4B | A$16.5B | A$19.3B | A$19.0B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | PPM.AX | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +5.0% | -1.1% | 8th highest of 21 |
| 6-month return | +5.7% | -2.9% | 5th highest of 19 |
| Return on equity | 13.0% | 12.1% | 9th highest of 20 |
| Price / book | 0.90× | 1.20× | 8th cheapest of 20 |
| Trailing P/E | 7.6× | 9.3× | 8th cheapest of 19 |
| ROE the price implies | 13.1% | 9.6% | 9th most demanding of 20 |
| ROE delivered | 13.0% | 11.0% | 7th highest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Pepper Money PPM.AX | Australia | $553M | +6% | -1% | 13% | 0.90× | 13.1% | 13.0% |
| NEC Capital Solutions 8793.T | Japan | $550M | -1% | +27% | 8% | 0.63× | 4.8% | 8.5% |
| J Trust 8508.T | Japan | $563M | +7% | +4% | 9% | 0.59× | 5.4% | 9.1% |
| Grenke GLJ.DE | Germany | $535M | -21% | +14% | 6% | 0.40× | 5.8% | 6.2% |
| OppFi OPFI | United States | $526M | -34% | +6% | 38% | 9.07× | 108.9% | 38.4% |
| Hertz Global HTZ | United States | $585M | -64% | +3% | n/a | n/a | n/a | n/a |
| goeasy GSY.TO | Canada | $522M | +39% | +5% | -34% | 0.92× | 9.6% | -34.0% |
| Oportun Financial OPRT | United States | $520M | +97% | 0% | 9% | 1.20× | 13.0% | 9.1% |
| LendingTree TREE | United States | $520M | -5% | +23% | 51% | 2.05× | 27.3% | 51.4% |
| MAS Financial Services MASFIN.NS | India | $512M | -24% | +23% | 14% | 1.50× | 18.8% | 13.8% |
| Chrysos C79.AX | Australia | $501M | 0% | -9% | 1% | 3.65× | 38.0% | 0.9% |
| Fedbank Financial Services FEDFINA.NS | India | $621M | +3% | +20% | 15% | 1.85× | 15.9% | 14.8% |
| Latitude LFS.AX | Australia | $623M | -6% | +4% | 9% | 0.70× | 7.6% | 8.7% |
| Northern Arc Capital NORTHARC.NS | India | $487M | 0% | +28% | 12% | 1.09× | 20.4% | 12.1% |
| MCAN Mortgage MKP.TO | Canada | $635M | -13% | +14% | 13% | 1.33× | 8.4% | 12.8% |
| Rentomojo RENTOMOJO.NS | India | $638M | n/a | +45% | 44% | 18.75× | 176.8% | n/a |
| Aspial Lifestyle 5UF.SI | Singapore | $470M | -32% | +32% | 31% | 1.40× | 6.8% | 30.6% |
| Onemi Technology Solutions KISSHT.NS | India | $652M | n/a | +63% | 24% | 2.97× | 21.9% | n/a |
| AEON Credit Service (Asia) 0900.HK | Hong Kong | $463M | +2% | +4% | 11% | 0.79× | 4.8% | 11.0% |
| Qfin 3660.HK | Hong Kong | $664M | -60% | -8% | 15% | 0.18× | 4.1% | 15.1% |
| Emeco EHL.AX | Australia | $458M | +23% | +1% | 10% | 0.84× | 8.2% | 10.2% |