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Pepper Money Ltd (DE:X95)
FRANKFURT:X95
Germany Market
X95
Pepper Money Ltd
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Pepper Money Ltd (X95) Ratios

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Pepper Money Ltd Ratios

DE:X95's free cash flow for Q2 2026 was AU$0.96. For the 2026 fiscal year, DE:X95's free cash flow was decreased by AU$ and operating cash flow was AU$0.76. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.07 0.08 90.64 0.07
Quick Ratio
 0.00 0.07 0.08 90.64 0.07
Cash Ratio
 0.00 0.07 0.07 89.40 0.07
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.00 -0.04 0.16 5.75 -0.12
Short-Term Operating Cash Flow Coverage
 0.00 -0.04 0.16 <0.01 -0.12
Net Current Asset Value
AU$ -18.07BAU$ -16.24BAU$ -15.38BAU$ -17.80BAU$ -17.74B
Leverage Ratios
Debt-to-Assets Ratio
 0.95 0.95 0.94 0.95 0.95
Debt-to-Equity Ratio
 21.31 20.02 19.25 23.33 23.67
Debt-to-Capital Ratio
 0.96 0.95 0.95 0.96 0.96
Long-Term Debt-to-Capital Ratio
 0.96 0.95 0.95 0.96 0.96
Financial Leverage Ratio
 22.47 21.15 20.42 24.48 24.84
Debt Service Coverage Ratio
 1.13 0.06 0.07 >-0.01 0.04
Interest Coverage Ratio
 1.16 1.15 1.16 1.14 1.35
Debt to Market Cap
 24.36 36.31 53.00 67.40 60.80
Interest Debt Per Share
 44.40 41.46 39.85 43.75 44.49
Net Debt to EBITDA
 15.79 14.35 11.81 0.00 22.12
Profitability Margins
Gross Profit Margin
95.95%95.65%96.91%27.41%92.85%
EBIT Margin
75.47%76.50%80.45%-1.44%73.47%
EBITDA Margin
76.47%77.64%81.68%0.00%75.39%
Operating Profit Margin
75.47%76.50%80.45%80.01%73.47%
Pretax Profit Margin
10.23%10.11%8.85%9.76%18.96%
Net Profit Margin
7.26%7.22%6.25%7.27%13.26%
Continuous Operations Profit Margin
7.26%7.22%6.21%7.13%13.21%
Net Income Per EBT
70.91%71.40%70.62%74.45%69.91%
EBT Per EBIT
13.56%13.21%11.01%12.20%25.81%
Return on Assets (ROA)
0.54%0.57%0.57%0.55%0.71%
Return on Equity (ROE)
12.30%12.02%11.55%13.41%17.58%
Return on Capital Employed (ROCE)
5.64%109.81%128.53%6.04%84.32%
Return on Invested Capital (ROIC)
4.00%4.31%5.11%2.26%38.03%
Return on Tangible Assets
0.55%0.57%0.57%0.55%0.71%
Earnings Yield
14.03%10.92%15.90%19.37%22.59%
Efficiency Ratios
Receivables Turnover
 49.44 57.52 113.68 71.87 103.27
Payables Turnover
 0.00 3.62 3.06 64.68 5.68
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 91.86 76.70 62.21 47.62 55.98
Asset Turnover
 0.07 0.08 0.09 0.08 0.05
Working Capital Turnover Ratio
 1.32 -0.09 -0.23 -0.19 -0.06
Cash Conversion Cycle
 7.38 -94.46 -116.22 -0.56 -60.74
Days of Sales Outstanding
 7.38 6.35 3.21 5.08 3.53
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 100.81 119.43 5.64 64.27
Operating Cycle
 7.38 6.35 3.21 5.08 3.53
Cash Flow Ratios
Operating Cash Flow Per Share
 -5.97 -1.61 5.90 0.21 -5.23
Free Cash Flow Per Share
 -5.96 -1.63 5.88 0.20 -5.25
CapEx Per Share
 <0.01 0.01 0.02 0.02 0.02
Free Cash Flow to Operating Cash Flow
 1.00 1.01 1.00 0.93 1.00
Dividend Paid and CapEx Coverage Ratio
 -21.86 -5.90 50.46 2.19 -31.26
Capital Expenditure Coverage Ratio
 -809.52 -125.40 351.20 13.85 -225.28
Operating Cash Flow Coverage Ratio
 -0.14 -0.04 0.16 <0.01 -0.12
Operating Cash Flow to Sales Ratio
 -1.80 -0.49 1.64 0.06 -2.16
Free Cash Flow Yield
-345.29%-75.25%417.05%15.96%-369.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.19 9.00 6.41 5.16 4.43
Price-to-Sales (P/S) Ratio
 0.52 0.66 0.39 0.37 0.59
Price-to-Book (P/B) Ratio
 0.87 1.10 0.73 0.69 0.78
Price-to-Free Cash Flow (P/FCF) Ratio
 -0.29 -1.33 0.24 6.27 -0.27
Price-to-Operating Cash Flow Ratio
 -0.29 -1.34 0.24 5.81 -0.27
Price-to-Earnings Growth (PEG) Ratio
 0.79 0.99 -0.77 -0.21 -0.75
Price-to-Fair Value
 0.87 1.10 0.73 0.69 0.78
Enterprise Value Multiple
 16.47 15.20 12.29 0.00 22.90
Enterprise Value
 18.74B 17.11B 15.86B 18.30B 18.36B
EV to EBITDA
 16.47 15.20 12.29 0.00 22.90
EV to Sales
 12.59 11.80 10.04 12.01 17.26
EV to Free Cash Flow
 -7.02 -23.74 6.12 200.65 -7.95
EV to Operating Cash Flow
 -7.01 -23.93 6.10 186.16 -7.99
Tangible Book Value Per Share
 1.72 1.69 1.65 1.55 1.76
Shareholders’ Equity Per Share
 1.98 1.96 1.94 1.78 1.82
Tax and Other Ratios
Effective Tax Rate
 0.29 0.29 0.30 0.27 0.30
Revenue Per Share
 3.33 3.27 3.59 3.28 2.42
Net Income Per Share
 0.24 0.24 0.22 0.24 0.32
Tax Burden
 0.71 0.71 0.71 0.74 0.70
Interest Burden
 0.14 0.13 0.11 -6.79 0.26
Research & Development to Revenue
 0.00 0.00 0.02 0.02 0.02
SG&A to Revenue
 0.00 0.12 0.10 0.09 0.12
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.01 0.01
Income Quality
 -24.74 -6.83 26.30 0.89 -16.30
Currency in AUD