ASX/PPM (ASX/PPM)

Australian Securities Exchange: ASX/PPM · AUD

A$1.73

+0.02 (+1.2%)· Recorded snapshot

Market cap	777.4M
Revenue (ttm)	418.9M
Net income (ttm)	108M
EPS (ttm)	A$0.23
Shares out	449.4M
P/E (trailing)	7.4x
P/E (forward)	6.9x
Dividend	A$0.14 (8.21%)
Volume	61,782
Beta	1.19

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 418.9M
Net income (ttm): 108M
EPS (ttm): A$0.23
P/E (trailing): 7.4x
P/E (forward): 6.9x
Market cap: 777.4M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 13:30 UTC

Forward P/E6.9

P25 n/aP50 n/aP75 n/a

Trailing P/E7.4

P25 n/aP50 n/aP75 n/a

ROE13

P25 n/aP50 n/aP75 n/a

ROIC0.5

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All ASX/PPM indicators

Market & fundamental data

Available fields

198

Groups with data

Currency

AUD

Showing 198 of 198 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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	2026-10-29
Market cap	AUD 777.4M
Next earnings date	2026-11-20
Price	AUD 1.73
Price currency	AUD
Sector	Financials
SIC code	6162
Stock price date	2026-10-29
Symbol	asx/PPM
Website	https://www.peppermoney.com.au

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (3Y)	6.73x
Average P/E ratio (5Y)	5.79x
Earnings yield	13.47%
FCF yield	-343.63%
Forward P/E	6.9x
Graham number	3.21766
Graham upside	85.99%
Industry forward P/E	8.12x
Industry P/E	10.84x
Lynch fair value	AUD 1.17
Lynch upside	-32.64%
P/B ratio	0.88x
P/E ratio	7.42x
P/S ratio	1.86x
Price / tangible book value	1.01x
Sector forward P/E	18.2x
Sector P/E	19.94x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	AUD 1.97
Debt / equity	21.31
Net cash (debt)	AUD -17.9B
Net cash / market cap	-2,304.56%
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	0.43%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

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

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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	8.21%
Ex-dividend date	2026-09-08
Last dividend	AUD 0.07
Payout ratio	110.09%
Shareholder yield	7.85%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	AUD 1.72
1D price change	1.17%
1M price change	3.28%
1M total return	3.28%
1W price change	4.22%
1W total return	4.22%
1Y price change	-18.78%
1Y return CAGR	-12.71%
1Y total return	-12.7%
20-day SMA	AUD 1.70
200-day SMA	AUD 1.81
3M price change	5.81%
3M total return	9.8%
3Y price change	38.96%
3Y return CAGR	22.94%
3Y total return	85.83%
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	-27.31%
5Y return CAGR	2.44%
5Y total return	12.79%
6M price change	1.77%
6M total return	5.61%
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	177K
Beta (1Y)	1.14
Beta (2Y)	0.91
Beta (5Y)	1.19
Change from 52-week high	-32.95%
Change from 52-week low	16.11%
Change from all-time high	-39.51%
Change from all-time low	56.56%
Change from open	0.29%
Day's gap	0.88%
Dollar volume	AUD 106,883
High price	AUD 1.74
Low price	AUD 1.72
Monthly RSI	49.16
Open price	AUD 1.73
Position in 52-week range	75%
Previous close	AUD 1.71
Price vs 150-day SMA	0.64%
Price vs 20-day SMA	1.59%
Price vs 200-day SMA	-4.42%
Price vs 50-day SMA	-2.15%
Relative volume	0.35
RSI	53.52
Sharpe ratio	-0.26
Sharpe ratio (3Y)	0.59
Sharpe ratio (5Y)	0.17
Sortino ratio	-0.29
Sortino ratio (3Y)	1.14
Sortino ratio (5Y)	0.41
Volume	61.8K
Weekly RSI	47.25
YTD price change	-19.91%
YTD total return	-13.91%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on ASX/PPM

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this ASX/PPM report

Is a complete ASX/PPM research report available?

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)

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