1.81
+1.69%
Close of 9 Nov 2026, in AUD
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About Pepper Money
Its shares trade on ASX under the ticker PPM.AX. It has been listed since 25 May 2021. In the fiscal year to 31 December 2025, it reported revenue before interest expense of A$1.45bn and net income of A$104.6m. At that date it held total assets of A$18.40bn and shareholders' equity of A$869.9m.
Pepper Money Ltd. engages in the provision of home loan, car loan, and personal loan solutions for borrowers. The company is headquartered in Sydney, New South Wales. The company went IPO on 2021-05-25. The firm'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). The company 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.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Financial Services
- Listed since
- 25 May 2021
- Website
- peppermoney.com.au ↗
Leadership
Pay as last reported
- Ms. Akiko JacksonNon-Executive Independent Chairman of the BoardA$149,666
- Mr. Michael CulhaneNon-Executive Chairman of the Board, since 2011A$260,000
- Mr. Mario RehayemChief Executive Officer, Executive DirectorA$3.2m
- Ms. Therese McgrathChief Financial Officer, since 2018A$1.5m
- Ms. Sue KentChief Human Resource Officer
- Mr. Steven MeekChief Information Officer
- Mr. Michael VainauskasChief Risk Officer
- Mr. John WilliamsGeneral Counsel, Company Secretary
- Ms. Sarah PikardtGeneral Manager - Marketing and Brand
- Mr. Barry SaoudGeneral Manager - Mortgages and Commercial Lending
- Mr. Ken SpellacyGeneral Manager - Asset Finance
- Mr. Anthony MoirTreasurer
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Pepper Money Ltd. offers residential home loans in Australia and New Zealand with strong market presence.
- The company's Mortgages segment includes residential prime and non-conforming mortgages in Australia.
- Asset Finance segment provides loans secured over cars, caravans, and small commercial equipment in Australia.
Weaknesses
- Pepper Money Ltd. has limited presence in New Zealand beyond residential home loans.
- The company's Loan and Other Servicing segment focuses only on Australia for third-party servicing.
- Asset Finance segment is restricted to Australia without international expansion.
Opportunities
- Expanding Asset Finance to include new markets in New Zealand for car loans.
- Growing Mortgages segment in commercial real estate across Australia and New Zealand.
- Increasing Loan and Other Servicing for third parties in Australia and New Zealand.
Threats
- Competition in the Australian home loan market from established financial institutions.
- Regulatory changes affecting non-conforming mortgages in Australia.
- Economic downturn impacting asset finance demand for cars and equipment in Australia.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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