Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing of residential home loans and small balance commercial real estate loans. The Asset Finance segment finances a range of asset types for consumer and commercial customers. The Loan and Other Servicing segment provides independent loan servicing for mortgages and personal loans, and broker administration servicing. It also engages in auto and equipment finance, and novated leasing as well as third party loan servicing. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia.
| Market Capitalization | $617.8716 million |
| P/E Ratio | 5.06 |
| P/E Growth Ratio | |
| Book Value | 1.906 |
| Dividend Per Share | 0.086 |
| Earnings Per Share | 0.27 |
| EBITDA | |
| Profit Margin | 0.278 |
| Operating Margin TTM | 0.3958 |
| Return on Assets TTM | 0.0062 |
| Return on Equity TTM | 0.1486 |
| Revenue TTM | 438,100 |
All numbers are in thousands
| Date | Total Revenue | Cost of Revenue | Gross Profit | Total Operating Expenses |
|---|---|---|---|---|
| 2016-12-31 | 684,596 | 47,198 | 637,398 | |
| 2017-12-31 | 794,262 | 280,010 | 514,252 | |
| 2018-12-31 | 1,080,239 | 426,488 | 653,751 | |
| 2019-12-31 | 778,955 | 490,029 | 288,926 | |
| 2020-12-31 | 774,122 | 398,517 | 375,605 | |
| 2021-12-31 | 395,700 | 370,900 | 395,700 | 137,300 |
| 2022-12-31 | 427,800 | 622,200 | 427,800 | 174,900 |
All numbers are in thousands
| Date | Cash | Total Assets | Total Liabilities | Short Term Debt | Long Term Debt | Common Stock |
|---|---|---|---|---|---|---|
| 2016-12-31 | 782,076 | 8,312,434 | 7,858,227 | 1,383,101 | 6,252,843 | 298,080 |
| 2017-12-31 | 60,943 | 10,878,782 | 10,376,873 | 1,919,289 | 7,981,511 | 306,101 |
| 2018-12-31 | 104,916 | 17,216,763 | 16,673,304 | 2,826,343 | 12,812,267 | 356,101 |
| 2019-12-31 | 105,381 | 22,062,260 | 21,252,450 | 3,664,431 | 15,411,357 | 601,770 |
| 2020-12-31 | 879,800 | 14,335,400 | 13,835,500 | 0 | 13,183,429 | 731,500 |
| 2021-12-31 | 1,309,200 | 17,268,200 | 16,528,400 | 16,517,200 | 16,517,200 | 729,300 |
| 2022-12-31 | 1,243,600 | 19,919,400 | 18,992,600 | 18,979,200 | 18,979,200 | 729,600 |
All numbers are in thousands
| Date | Net Income | Total Cash | Change in Cash | Begin period cash | End period cash | Dividends |
|---|---|---|---|---|---|---|
| 2016-12-31 | 150,561 | 226,339 | 10,847 | |||
| 2017-12-31 | 41,431 | 101,860 | 72,113 | 25,094 | ||
| 2018-12-31 | 20,513 | 293,185 | 346,178 | |||
| 2019-12-31 | 49,908 | 454,979 | 607,291 | |||
| 2020-12-31 | -29,600 | -1,346,600 | 160,200 | 885,500 | ||
| 2021-12-31 | 312,900 | -2,990,500 | 423,700 | 885,500 | 1,309,200 | |
| 2022-12-31 | 141,000 | -2,297,900 | -65,600 | 1,309,200 | 1,243,600 | 63,300 |