Pepper Money Ltd(AU:PPM)
A$1.80+0.01 (+0.56%)
AU:PPM
Pepper Money Ltd financials statements
A$1.80
At close:+0.01 (+0.56%)
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Pepper Money Ltd (PPM) Ratios
41 Followers
Pepper Money Ltd Ratios
AU:PPM's free cash flow for Q2 2026 was AU$-1.79B. For the 2026 fiscal year, AU:PPM's free cash flow was decreased by AU$-300.00K and operating cash flow was AU$-1.79B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.07 | 0.08 | 90.64 | 0.07 | 0.08 |
| Quick Ratio | 0.07 | 0.08 | 90.64 | 0.07 | 0.08 |
| Cash Ratio | 0.07 | 0.07 | 89.40 | 0.07 | 0.08 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | -0.04 | 0.16 | 5.75 | -0.12 | -0.18 |
| Short-Term Operating Cash Flow Coverage | -0.04 | 0.16 | 0.01 | -0.12 | -0.18 |
| Net Current Asset Value | AU$ -16.24B | AU$ -15.38B | AU$ -17.80B | AU$ -17.74B | AU$ -15.31B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.95 | 0.94 | 0.95 | 0.95 | 0.96 |
| Debt-to-Equity Ratio | 20.02 | 19.25 | 23.33 | 23.67 | 25.95 |
| Debt-to-Capital Ratio | 0.95 | 0.95 | 0.96 | 0.96 | 0.96 |
| Long-Term Debt-to-Capital Ratio | 0.95 | 0.95 | 0.96 | 0.96 | 0.96 |
| Financial Leverage Ratio | 21.15 | 20.42 | 24.48 | 24.84 | 27.13 |
| Debt Service Coverage Ratio | 0.06 | 0.07 | -0.00 | 0.04 | 0.03 |
| Interest Coverage Ratio | 1.15 | 1.16 | 1.14 | 1.35 | 1.56 |
| Debt to Market Cap | 36.31 | 53.00 | 67.40 | 60.80 | 42.55 |
| Interest Debt Per Share | 41.46 | 39.85 | 43.75 | 44.49 | 46.89 |
| Net Debt to EBITDA | 14.35 | 11.81 | 0.00 | 22.12 | 27.90 |
| Profitability Margins | |||||
| Gross Profit Margin | 95.65% | 96.91% | 27.41% | 92.85% | 90.70% |
| EBIT Margin | 76.50% | 80.45% | -1.44% | 73.47% | 67.50% |
| EBITDA Margin | 77.64% | 81.68% | 0.00% | 75.39% | 70.67% |
| Operating Profit Margin | 76.50% | 80.45% | 80.01% | 73.47% | 67.50% |
| Pretax Profit Margin | 10.11% | 8.85% | 9.76% | 18.96% | 24.15% |
| Net Profit Margin | 7.22% | 6.25% | 7.27% | 13.26% | 15.66% |
| Continuous Operations Profit Margin | 7.22% | 6.21% | 7.13% | 13.21% | 16.95% |
| Net Income Per EBT | 71.40% | 70.62% | 74.45% | 69.91% | 64.84% |
| EBT Per EBIT | 13.21% | 11.01% | 12.20% | 25.81% | 35.79% |
| Return on Assets (ROA) | 0.57% | 0.57% | 0.55% | 0.71% | 0.70% |
| Return on Equity (ROE) | 12.02% | 11.55% | 13.41% | 17.58% | 18.98% |
| Return on Capital Employed (ROCE) | 109.81% | 128.53% | 6.04% | 84.32% | 70.37% |
| Return on Invested Capital (ROIC) | 4.31% | 5.11% | 2.26% | 38.03% | 26.65% |
| Return on Tangible Assets | 0.57% | 0.57% | 0.55% | 0.71% | 0.70% |
| Earnings Yield | 10.92% | 15.90% | 19.37% | 22.59% | 15.56% |
| Efficiency Ratios | |||||
| Receivables Turnover | 57.52 | 113.68 | 71.87 | 103.27 | 82.05 |
| Payables Turnover | 3.62 | 3.06 | 64.68 | 5.68 | 6.40 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 76.70 | 62.21 | 47.62 | 55.98 | 116.86 |
| Asset Turnover | 0.08 | 0.09 | 0.08 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.09 | -0.23 | -0.19 | -0.06 | -1.35 |
| Cash Conversion Cycle | -94.46 | -116.22 | -0.56 | -60.74 | -52.57 |
| Days of Sales Outstanding | 6.35 | 3.21 | 5.08 | 3.53 | 4.45 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 100.81 | 119.43 | 5.64 | 64.27 | 57.02 |
| Operating Cycle | 6.35 | 3.21 | 5.08 | 3.53 | 4.45 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -1.61 | 5.90 | 0.21 | -5.23 | -8.32 |
| Free Cash Flow Per Share | -1.63 | 5.88 | 0.20 | -5.25 | -8.35 |
| Dividend Paid and CapEx Coverage Ratio | -5.90 | 50.46 | 2.19 | -31.26 | -296.09 |
| Capital Expenditure Coverage Ratio | -125.40 | 351.20 | 13.85 | -225.28 | -296.09 |
| Operating Cash Flow Coverage Ratio | -0.04 | 0.16 | 0.01 | -0.12 | -0.18 |
| Operating Cash Flow to Sales Ratio | -0.49 | 1.64 | 0.06 | -2.16 | -3.88 |
| Free Cash Flow Yield | -75.25% | 417.05% | 15.96% | -369.72% | -386.52% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.00 | 6.41 | 5.16 | 4.43 | 6.43 |
| Price-to-Sales (P/S) Ratio | 0.66 | 0.39 | 0.37 | 0.59 | 1.01 |
| Price-to-Book (P/B) Ratio | 1.10 | 0.73 | 0.69 | 0.78 | 1.22 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -1.33 | 0.24 | 6.27 | -0.27 | -0.26 |
| Price-to-Operating Cash Flow Ratio | -1.34 | 0.24 | 5.81 | -0.27 | -0.26 |
| Price-to-Earnings Growth (PEG) Ratio | 0.99 | -0.77 | -0.21 | -0.75 | -0.01 |
| Enterprise Value Multiple | 15.20 | 12.29 | 0.00 | 22.90 | 29.32 |
| Enterprise Value | 17.11B | 15.86B | 18.30B | 18.36B | 15.98B |
| EV to EBITDA | 15.20 | 12.29 | 0.00 | 22.90 | 29.32 |
| EV to Sales | 11.80 | 10.04 | 12.01 | 17.26 | 20.72 |
| EV to Free Cash Flow | -23.74 | 6.12 | 200.65 | -7.95 | -5.33 |
| EV to Operating Cash Flow | -23.93 | 6.10 | 186.16 | -7.99 | -5.35 |
| Tangible Book Value Per Share | 1.69 | 1.65 | 1.55 | 1.76 | 1.68 |
| Shareholders’ Equity Per Share | 1.96 | 1.94 | 1.78 | 1.82 | 1.77 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.30 | 0.27 | 0.30 | 0.30 |
| Revenue Per Share | 3.27 | 3.59 | 3.28 | 2.42 | 2.15 |
| Net Income Per Share | 0.24 | 0.22 | 0.24 | 0.32 | 0.34 |
| Tax Burden | 0.71 | 0.71 | 0.74 | 0.70 | 0.65 |
| Interest Burden | 0.13 | 0.11 | -6.79 | 0.26 | 0.36 |
| Research & Development to Revenue | 0.00 | 0.02 | 0.02 | 0.02 | 0.03 |
| SG&A to Revenue | 0.12 | 0.10 | 0.09 | 0.12 | 0.14 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.01 | 0.01 | 0.02 |
| Income Quality | -6.83 | 26.30 | 0.89 | -16.30 | -22.88 |
Currency in AUD
