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Pepper Money PPM.AX · AUD

Financials · ASX · 🇦🇺 Australia

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1.81

+1.69%

Close of 9 Nov 2026, in AUD

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in AUD, from our data supplier.

FY2025

Revenue, before interest expense

A$1.45bn

FY2016FY2025

Net income

A$104.6m

FY2016FY2025

Total assets

A$18.40bn

FY2016FY2025

Shareholders' equity

A$869.9m

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2018FY2017FY2016
Revenue, before interest expenseA$1.45bnA$1.58bnA$1.52bnA$1.06bnA$771.3mA$774.1mA$1.08bnA$410.0mA$370.4m
Research and development—A$24.6mA$23.8mA$23.8mA$19.9mA$19.9m———
Operating incomeA$1.11bnA$1.27bnA$1.22bnA$781.5mA$520.6mA$512.0mA$471.1mA$47.2mA$70.3m
Net incomeA$104.6mA$98.8mA$110.7mA$141.0mA$120.8m−A$29.6mA$20.5mA$41.4mA$61.7m
Diluted earnings per share0.230.210.240.310.27-0.070.040.090.17

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2018FY2017FY2016
Total assetsA$18.40bnA$17.47bnA$20.21bnA$19.92bnA$17.27bnA$14.34bnA$17.22bnA$10.88bnA$8.31bn
Cash and short-term investmentsA$1.27bnA$1.24bnA$1.53bnA$1.24bnA$1.31bnA$879.8mA$349.2mA$195.4mA$782.1m
Total liabilitiesA$17.53bnA$16.62bnA$19.34bnA$18.99bnA$16.53bnA$13.84bnA$16.67bnA$10.38bnA$7.86bn
DebtA$17.42bnA$16.47bnA$19.26bnA$37.98bnA$16.52bnA$13.66bnA$15.64bnA$9.90bnA$7.64bn
Shareholders' equityA$869.9mA$855.6mA$825.4mA$801.9mA$636.4mA$498.9mA$543.5mA$501.9mA$454.2m
Shares outstanding462m461m452m448m440m440m465m440m361m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Jun 2024
Revenue, before interest expenseA$759.3mA$205.0mA$728.8mA$205.0mA$187.4mA$205.0mA$777.1mA$803.0m
Operating incomeA$574.9mA$23.6mA$548.2mA$23.6mA$82.2mA$23.6mA$629.5mA$81.1m
Net incomeA$50.4mA$20.7mA$57.6mA$20.7mA$47.0mA$20.7mA$52.1mA$46.7m
Diluted earnings per share0.110.040.120.040.100.040.110.10
Total assetsA$19.93bn—A$18.40bn—A$17.15bn—A$17.47bnA$18.51bn
Cash and short-term investmentsA$935.4m—A$1.27bn—A$999.9m—A$1.24bnA$1.11bn
Debt——A$17.39bn—A$16.12bn—A$32.93bnA$17.51bn
Shareholders' equityA$886.9m—A$869.9m—A$777.0m—A$855.6mA$859.4m

Growth per year

Compound annual rate

3 years5 years10 years
Revenue10.9%13.4%17.3%
Operating income12.4%16.7%65.8%
Net income-9.5%—40.6%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin78.6%78.0%75.6%64.4%
Net margin6.7%8.1%7.6%7.2%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021
Price to earnings9.56.75.14.57.9
Price to sales0.70.40.40.61.2

Dividends and splits

Per share, in the currency the company pays

Paid for 4 years. Last went ex-dividend on 8 Sept 2026.

FY2026FY2025FY2024FY2023FY2022
Paid in the year0.1830.3710.1430.1230.206

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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