Stock X95 PEPPER MONEY LIMITED
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Financials Pepper Money Limited Deutsche Boerse AG

Equities

X95

AU0000150898

Consumer Lending

Market Closed - Deutsche Boerse AG
Other stock markets
 09:29:01 2024-07-11 am EDT 		5-day change 1st Jan Change
0.875 EUR -1.13% Intraday chart for Pepper Money Limited -2.23% +18.24%
May. 23 Pepper Money Limited Revises Dividend Policy for the Year 2024 CI
May. 23 Transcript : Pepper Money Limited - Shareholder/Analyst Call

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025 2026
Capitalization 1 949.3 624.3 540.9 635.8 - -
Enterprise Value (EV) 1 949.3 624.3 540.9 635.8 635.8 635.8
P/E ratio 6.01 x 4.53 x 5.16 x 7.04 x 6.46 x 5.71 x
Yield 4.17% 7.39% 4.07% 7.06% 7.57% 7.64%
Capitalization / Revenue 2.37 x 1.41 x 1.26 x 1.41 x 1.33 x 1.26 x
EV / Revenue 2.37 x 1.41 x 1.26 x 1.41 x 1.33 x 1.26 x
EV / EBITDA 4.11 x 2.63 x 2.72 x 3.5 x 3.32 x 3.21 x
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.49 x 0.78 x 0.66 x 0.72 x 0.67 x 0.62 x
Nbr of stocks (in thousands) 439,506 439,677 439,791 441,546 - -
Reference price 2 2.160 1.420 1.230 1.440 1.440 1.440
Announcement Date 2/23/22 2/22/23 2/28/24 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net sales 1 - 400.4 441.5 427.8 449.6 478.2 503.4
EBITDA 1 - 231.2 237 198.7 181.7 191.6 198.2
EBIT 1 - 226.9 236.5 188.6 158.5 167.1 177.4
Operating Margin - 56.67% 53.57% 44.09% 35.27% 34.94% 35.24%
Earnings before Tax (EBT) 1 - 186.3 201.7 148.7 130.7 139 156
Net income 1 -29.96 130.7 141 110.7 94.77 103.2 113.7
Net margin - 32.64% 31.94% 25.88% 21.08% 21.59% 22.58%
EPS 2 -0.1190 0.3593 0.3134 0.2383 0.2044 0.2229 0.2521
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 0.0900 0.1050 0.0500 0.1016 0.1090 0.1100
Announcement Date 5/25/21 2/23/22 2/22/23 2/28/24 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2 2025 S1 2025 S2
Net sales 1 176.2 192.5 281.2 193.5 234.3 220.3 235.7 244.6 257.8
EBITDA 108 119.3 - 94.7 - - - - -
EBIT 1 97.3 109.3 127.2 82.8 105.8 79.46 83.81 87.24 93.32
Operating Margin 55.22% 56.78% 45.23% 42.79% 45.16% 36.07% 35.55% 35.67% 36.2%
Earnings before Tax (EBT) - 103.7 98 71.1 77.6 - - - -
Net income - 72.2 68.8 53 57.7 - - - -
Net margin - 37.51% 24.47% 27.39% 24.63% - - - -
EPS - 0.1609 0.1525 0.1152 0.1231 - - - -
Dividend per Share - 0.0540 0.0510 0.0350 0.0150 - - - -
Announcement Date 8/23/21 8/23/22 2/22/23 8/22/23 2/28/24 - - - -
1AUD in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - 20.7% 19.8% 13.9% 10.9% 11.1% 11.5%
ROA (Net income/ Total Assets) - 0.65% 0.77% 0.56% 0.5% 0.5% 0.5%
Assets 1 - 20,185 18,312 19,628 18,955 20,644 22,737
Book Value Per Share 2 - 1.450 1.820 1.880 2.010 2.140 2.310
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 5/25/21 2/23/22 2/22/23 2/28/24 - - -
1AUD in Million2AUD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Pepper Money Limited

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
5
Last Close Price
1.44 AUD
Average target price
1.634 AUD
Spread / Average Target
+13.47%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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  1. Stock Market
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  4. X95 Stock
  5. Financials Pepper Money Limited