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No complete published report is available for asx/PPM (ASX/PPM) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

ASX/PPM (ASX/PPM)

Australian Securities Exchange: ASX/PPM · AUD

A$1.71

+0.00 (+0.3%)· Recorded snapshot

Market cap	768.4M
Revenue (ttm)	418.9M
Net income (ttm)	108M
EPS (ttm)	A$0.23
Shares out	449.4M
P/E (trailing)	7.3x
P/E (forward)	6.8x
Dividend	A$0.14 (8.30%)
Volume	67,031
Beta	1.19

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	AUD
Country	Australia
Country code	AU
Earnings date	2026-11-20
Employees	758
Exchange	Australian Securities Exchange
Financial currency	AUD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	2000
Industry	Credit Services
Is primary listing	Yes
ISIN number	AU0000150898
Last earnings date	2026-08-20
Last refreshed	2026-10-28
Market cap	AUD 768.4M
Next earnings date	2026-11-20
Price	AUD 1.71
Price currency	AUD
Sector	Financials
SIC code	6162
Stock price date	2026-10-28
Symbol	asx/PPM
Website	https://www.peppermoney.com.au

Metric

Value

Amount currency

AUD

Country

Australia

Country code

Earnings date

2026-11-20

Employees

758

Exchange

Australian Securities Exchange

Financial currency

AUD

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

December

Founded

2000

Industry

Credit Services

Is primary listing

Yes

ISIN number

AU0000150898

Last earnings date

2026-08-20

Last refreshed

2026-10-28

Market cap

AUD 768.4M

Next earnings date

2026-11-20

Price

AUD 1.71

Price currency

AUD

Sector

Financials

SIC code

6162

Stock price date

2026-10-28

Symbol

asx/PPM

Website

https://www.peppermoney.com.au

Metric	Value
Average P/E ratio (3Y)	6.73x
Average P/E ratio (5Y)	5.79x
Earnings yield	13.63%
FCF yield	-347.64%
Forward P/E	6.82x
Graham number	3.21766
Graham upside	88.17%
Industry forward P/E	8.12x
Industry P/E	10.83x
Lynch fair value	AUD 1.17
Lynch upside	-31.85%
P/B ratio	0.87x
P/E ratio	7.34x
P/S ratio	1.83x
Price / tangible book value	1x
Sector forward P/E	18x
Sector P/E	19.72x

Metric

Value

Average P/E ratio (3Y)

6.73x

Average P/E ratio (5Y)

5.79x

Earnings yield

13.63%

FCF yield

-347.64%

Forward P/E

6.82x

Graham number

3.21766

Graham upside

88.17%

Industry forward P/E

8.12x

Industry P/E

10.83x

Lynch fair value

AUD 1.17

Lynch upside

-31.85%

P/B ratio

0.87x

P/E ratio

7.34x

P/S ratio

1.83x

Price / tangible book value

Sector forward P/E

18x

Sector P/E

19.72x

Metric	Value
Effective tax rate	29.09%
Gross margin	93.67%
Operating margin	36.6%
Pretax margin	36.36%
Profit margin	25.78%
Profit per employee	AUD 142,480
Profitable quarters	12
Profitable years	5
Revenue per employee	AUD 552,639
ROA	0.58%
ROA (5Y)	0.61%
ROE	12.98%
ROE (5Y)	14.88%
ROIC	0.55%
ROIC (5Y)	0.66%
Tax / revenue	10.58%

Metric

Value

Effective tax rate

29.09%

Gross margin

93.67%

Operating margin

36.6%

Pretax margin

36.36%

Profit margin

25.78%

Profit per employee

AUD 142,480

Profitable quarters

Profitable years

Revenue per employee

AUD 552,639

ROA

0.58%

ROA (5Y)

0.61%

ROE

12.98%

ROE (5Y)

14.88%

ROIC

0.55%

ROIC (5Y)

0.66%

Tax / revenue

10.58%

Metric	Value
EPS growth	7.95%
EPS growth (Q)	6.69%
EPS growth (QoQ)	-13.08%
EPS growth 3Y	-4.5%
EPS growth quarters	2
EPS growth years	1
Net income growth	8.98%
Net income growth (Q)	7.23%
Net income growth (QoQ)	-12.5%
Net income growth 3Y	-3.93%
Net income growth quarters	3
Net income growth years	1
Operating income growth	-0.39%
Operating income growth (Q)	4.6%
Operating income growth 3Y	-4.02%
Operating income growth 5Y	1.2%
Revenue growth	7.91%
Revenue growth (Q)	11.95%
Revenue growth (QoQ)	0.33%
Revenue growth 3Y	-1.48%
Revenue growth 5Y	3.69%
Revenue growth quarters	1
Revenue growth years	0

Metric

Value

EPS growth

7.95%

EPS growth (Q)

6.69%

EPS growth (QoQ)

-13.08%

EPS growth 3Y

-4.5%

EPS growth quarters

EPS growth years

Net income growth

8.98%

Net income growth (Q)

7.23%

Net income growth (QoQ)

-12.5%

Net income growth 3Y

-3.93%

Net income growth quarters

Net income growth years

Operating income growth

-0.39%

Operating income growth (Q)

4.6%

Operating income growth 3Y

-4.02%

Operating income growth 5Y

1.2%

Revenue growth

7.91%

Revenue growth (Q)

11.95%

Revenue growth (QoQ)

0.33%

Revenue growth 3Y

-1.48%

Revenue growth 5Y

3.69%

Revenue growth quarters

Revenue growth years

Metric	Value
Depreciation and amortization	AUD 3.6M
EPS	AUD 0.23
FCF per share	AUD -5.94
Financing cash flow	AUD 2.6B
Free cash flow	AUD -2.7B
Gross profit	AUD 392.4M
Income taxes	AUD 44.3M
Investing cash flow	AUD -2.4M
Net borrowing	AUD 2.7B
Net cash flow	AUD -64.5M
Net income	AUD 108M
Operating income	AUD 153.3M
Revenue	AUD 418.9M

Metric

Value

Depreciation and amortization

AUD 3.6M

EPS

AUD 0.23

FCF per share

AUD -5.94

Financing cash flow

AUD 2.6B

Free cash flow

AUD -2.7B

Gross profit

AUD 392.4M

Income taxes

AUD 44.3M

Investing cash flow

AUD -2.4M

Net borrowing

AUD 2.7B

Net cash flow

AUD -64.5M

Net income

AUD 108M

Operating income

AUD 153.3M

Revenue

AUD 418.9M

Metric	Value
Book value per share	AUD 1.97
Debt / equity	21.31
Net cash (debt)	AUD -17.9B
Net cash / market cap	-2,331.51%
Net debt / equity	20.2
Piotroski F-Score	4
Property, plant and equipment	AUD 16.2M
Shareholders' equity	AUD 886.9M
Tangible book value	AUD 768.1M
Tangible book value per share	AUD 1.71
Total assets	AUD 19.9B
Total cash	AUD 984.8M
Total debt	AUD 18.9B
Total liabilities	AUD 19B
WACC	0.42%

Metric

Value

Book value per share

AUD 1.97

Debt / equity

21.31

Net cash (debt)

AUD -17.9B

Net cash / market cap

-2,331.51%

Net debt / equity

20.2

Piotroski F-Score

Property, plant and equipment

AUD 16.2M

Shareholders' equity

AUD 886.9M

Tangible book value

AUD 768.1M

Tangible book value per share

AUD 1.71

Total assets

AUD 19.9B

Total cash

AUD 984.8M

Total debt

AUD 18.9B

Total liabilities

AUD 19B

WACC

0.42%

Metric	Value
Asset turnover	0.02
Current ratio	636.34
Quick ratio	636.34
Working capital	AUD 19.7B
Working capital turnover	0.02

Metric

Value

Asset turnover

0.02

Current ratio

636.34

Quick ratio

636.34

Working capital

AUD 19.7B

Working capital turnover

0.02

Metric	Value
Buyback yield / dilution	-0.36%
Dividend growth	-42.31%
Dividend growth (3Y)	20.37%
Dividend growth years	2
Dividend payment date	2026-10-08
Dividend payment years	5
Dividend payout frequency	Semi-Annual
Dividend per share	AUD 0.14
Dividend yield	8.3%
Ex-dividend date	2026-09-08
Last dividend	AUD 0.07
Payout ratio	110.09%
Shareholder yield	7.95%

Metric

Value

Buyback yield / dilution

-0.36%

Dividend growth

-42.31%

Dividend growth (3Y)

20.37%

Dividend growth years

Dividend payment date

2026-10-08

Dividend payment years

Dividend payout frequency

Semi-Annual

Dividend per share

AUD 0.14

Dividend yield

8.3%

Ex-dividend date

2026-09-08

Last dividend

AUD 0.07

Payout ratio

110.09%

Shareholder yield

7.95%

Metric	Value
150-day SMA	AUD 1.72
1D price change	0.29%
1M price change	1.79%
1M total return	1.79%
1W price change	3.01%
1W total return	3.01%
1Y price change	-21.2%
1Y return CAGR	-15.31%
1Y total return	-15.3%
20-day SMA	AUD 1.70
200-day SMA	AUD 1.81
3M price change	4.27%
3M total return	8.2%
3Y price change	37.35%
3Y return CAGR	22.46%
3Y total return	83.68%
50-day SMA	AUD 1.77
50-day SMA vs 200-day SMA	50under200
52-week high	AUD 2.58
52-week high date	2025-11-03
52-week low	AUD 1.49
52-week low date	2026-07-02
5Y price change	-29.05%
5Y return CAGR	1.94%
5Y total return	10.1%
6M price change	-2.56%
6M total return	1.11%
All-time high	AUD 2.86
All-time high date	2021-08-25
All-time low	AUD 1.11
All-time low date	2022-06-23
Average true range (ATR)	AUD 0.04
Average volume	182.8K
Beta (1Y)	1.14
Beta (2Y)	0.91
Beta (5Y)	1.19
Change from 52-week high	-33.72%
Change from 52-week low	14.77%
Change from all-time high	-40.21%
Change from all-time low	54.75%
Change from open	-0.75%
Day's gap	1.06%
Dollar volume	AUD 114,623
High price	AUD 1.73
Low price	AUD 1.71
Monthly RSI	48.72
Open price	AUD 1.72
Position in 52-week range	0%
Previous close	AUD 1.71
Price vs 150-day SMA	-0.47%
Price vs 20-day SMA	0.47%
Price vs 200-day SMA	-5.58%
Price vs 50-day SMA	-3.34%
Relative volume	0.37
RSI	49.09
Sharpe ratio	-0.27
Sharpe ratio (3Y)	0.62
Sharpe ratio (5Y)	0.16
Sortino ratio	-0.31
Sortino ratio (3Y)	1.18
Sortino ratio (5Y)	0.4
Volume	67K
Weekly RSI	45.82
YTD price change	-20.83%
YTD total return	-14.91%

Metric

Value

150-day SMA

AUD 1.72

1D price change

0.29%

1M price change

1.79%

1M total return

1.79%

1W price change

3.01%

1W total return

3.01%

1Y price change

-21.2%

1Y return CAGR

-15.31%

1Y total return

-15.3%

20-day SMA

AUD 1.70

200-day SMA

AUD 1.81

3M price change

4.27%

3M total return

8.2%

3Y price change

37.35%

3Y return CAGR

22.46%

3Y total return

83.68%

50-day SMA

AUD 1.77

50-day SMA vs 200-day SMA

50under200

52-week high

AUD 2.58

52-week high date

2025-11-03

52-week low

AUD 1.49

52-week low date

2026-07-02

5Y price change

-29.05%

5Y return CAGR

1.94%

5Y total return

10.1%

6M price change

-2.56%

6M total return

1.11%

All-time high

AUD 2.86

All-time high date

2021-08-25

All-time low

AUD 1.11

All-time low date

2022-06-23

Average true range (ATR)

AUD 0.04

Average volume

182.8K

Beta (1Y)

1.14

Beta (2Y)

0.91

Beta (5Y)

1.19

Change from 52-week high

-33.72%

Change from 52-week low

14.77%

Change from all-time high

-40.21%

Change from all-time low

54.75%

Change from open

-0.75%

Day's gap

1.06%

Dollar volume

AUD 114,623

High price

AUD 1.73

Low price

AUD 1.71

Monthly RSI

48.72

Open price

AUD 1.72

Position in 52-week range

Previous close

AUD 1.71

Price vs 150-day SMA

-0.47%

Price vs 20-day SMA

0.47%

Price vs 200-day SMA

-5.58%

Price vs 50-day SMA

-3.34%

Relative volume

0.37

RSI

49.09

Sharpe ratio

-0.27

Sharpe ratio (3Y)

0.62

Sharpe ratio (5Y)

0.16

Sortino ratio

-0.31

Sortino ratio (3Y)

1.18

Sortino ratio (5Y)

0.4

Volume

67K

Weekly RSI

45.82

YTD price change

-20.83%

YTD total return

-14.91%

Metric	Value
Float	160.8M
Shares change (QoQ)	0.69%
Shares change (YoY)	0.36%
Shares held by insiders	4.64%
Shares held by institutions	17.31%
Shares outstanding	449.4M

Metric

Value

Float

160.8M

Shares change (QoQ)

0.69%

Shares change (YoY)

0.36%

Shares held by insiders

4.64%

Shares held by institutions

17.31%

Shares outstanding

449.4M

ASX/PPM (ASX/PPM)

Price

Financial snapshot

Fair-value bridge

Latest news · ASX/PPM

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ASX/PPM indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ASX/PPM

Frequently asked questions