AI Analysis

How does PPM.AX make money? Does PPM.AX have pricing power? What's the Earnings Whisper? Will PPM.AX profit more as the business scales? What is PPM.AX's management track record? Is PPM.AX's current price justified?

Pepper Money Limited

AUD 1.75 -$0.50 (-22.10%)

ASX · 15 Sep 2026 06:10 UTC

Previous Close

AUD 1.75

Day Range

AUD 1.74AUD 1.77

Year Range

AUD 1.49AUD 2.58

Market Cap

783.95M

AVG Volume

338.69K

Trailing/Forward PE

7.27/6.59

PEG ratio

0.68

Dividend Yield

8.60%

Next Earnings Date

2027-02-18

Primary Exchange

Australian Securities Exchange

Dividends

PPM.AX Dividends by year
Period	Dividends
2026	0.15
2025	0.26
2024	0.1
2023	0.09
2022	0.14

PE Ratio

PPM.AX PE Ratio by year
Period	PE Ratio
Sep 26	3.82
Sep 26	3.82
Sep 26	4.26
Aug 26	4.15
Aug 26	4.24
Aug 26	3.97
Aug 26	4
Jul 26	3.84
Jul 26	3.56
Jul 26	3.49
Jul 26	3.65
Jul 26	3.49
Jun 26	3.43
Jun 26	3.54
Jun 26	3.54
Jun 26	3.65
May 26	3.65
May 26	3.65
May 26	3.62
May 26	3.73
May 26	3.84
Apr 26	3.8
Apr 26	3.86
Apr 26	3.91
Apr 26	3.75
Mar 26	3.91
Mar 26	3.79
Mar 26	4.82
Mar 26	5.09
Feb 26	5.5
Feb 26	5.36
Feb 26	5.2
Feb 26	4
Jan 26	4.48
Jan 26	4.61
Jan 26	4.66
Jan 26	4.75
Jan 26	5.09
Dec 25	5.09
Dec 25	4.98
Dec 25	4.95
Dec 25	5.32
Nov 25	5.57
Nov 25	5.27
Nov 25	5.41
Nov 25	5.43
Oct 25	5.07
Oct 25	4.84
Oct 25	4.89
Oct 25	4.54
Oct 25	4.57
Sep 25	4.17
Sep 25	4.38
Sep 25	4.46
Sep 25	4.73
Aug 25	4.52
Aug 25	4.48
Aug 25	4.08
Aug 25	3.93
Aug 25	4
Jul 25	4
Jul 25	4
Jul 25	3.91
Jul 25	3.85
Jun 25	3.83
Jun 25	3.6
Jun 25	3.49
Jun 25	3.93
May 25	3.43
May 25	3.47
May 25	3.49
May 25	3.45
May 25	3.3
Apr 25	2.9
Apr 25	2.88
Apr 25	2.84
Apr 25	2.92
Mar 25	2.75
Mar 25	2.69
Mar 25	2.73
Mar 25	2.9
Feb 25	2.71
Feb 25	2.8
Feb 25	2.84
Feb 25	2.92
Jan 25	2.79
Jan 25	2.79
Jan 25	2.79
Jan 25	2.82
Jan 25	2.82
Dec 24	2.63
Dec 24	2.75
Dec 24	2.75
Dec 24	2.77
Nov 24	2.65
Nov 24	2.55
Nov 24	2.67
Nov 24	2.73
Nov 24	2.82
Oct 24	2.79

Free Cash Flow Yield

PPM.AX Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	242.93%
Sep 26	242.93%
Sep 26	218.01%
Aug 26	223.75%
Aug 26	219.14%
Aug 26	233.58%
Aug 26	232.31%
Jul 26	241.55%
Jul 26	260.81%
Jul 26	265.7%
Jul 26	254.56%
Jul 26	265.7%
Jun 26	270.78%
Jun 26	262.42%
Jun 26	262.42%
Jun 26	254.56%
May 26	254.56%
May 26	254.56%
May 26	256.1%
May 26	248.61%
May 26	241.55%
Apr 26	244.32%
Apr 26	240.18%
Apr 26	237.5%
Apr 26	247.16%
Mar 26	326.36%
Mar 26	336.13%
Mar 26	264.78%
Mar 26	250.59%
Feb 26	231.96%
Feb 26	237.85%
Feb 26	245.12%
Feb 26	318.94%
Jan 26	284.94%
Jan 26	276.52%
Jan 26	273.82%
Jan 26	268.58%
Jan 26	250.59%
Dec 25	250.59%
Dec 25	256.32%
Dec 25	257.49%
Dec 25	239.89%
Nov 25	229.12%
Nov 25	241.95%
Nov 25	235.85%
Nov 25	234.87%
Oct 25	251.72%
Oct 25	263.54%
Oct 25	261.08%
Oct 25	280.67%
Oct 25	279.27%
Sep 25	308.23%
Sep 25	293.41%
Sep 25	287.87%
Sep 25	271.24%
Aug 25	283.86%
Aug 25	286.52%
Aug 25	314.58%
Aug 25	326.36%
Aug 25	321.21%
Jul 25	321.21%
Jul 25	321.21%
Jul 25	328.11%
Jul 25	333.49%
Jun 25	335.32%
Jun 25	356.9%
Jun 25	367.65%
Jun 25	326.36%
May 25	374.41%
May 25	369.87%
May 25	367.65%
May 25	372.13%
May 25	388.72%
Apr 25	442.24%
Apr 25	445.47%
Apr 25	452.07%
Apr 25	439.06%
Mar 25	263.81%
Mar 25	269.54%
Mar 25	265.69%
Mar 25	249.64%
Feb 25	267.6%
Feb 25	258.31%
Feb 25	254.77%
Feb 25	247.98%
Jan 25	260.12%
Jan 25	260.12%
Jan 25	260.12%
Jan 25	256.53%
Jan 25	256.53%
Dec 24	275.53%
Dec 24	263.81%
Dec 24	263.81%
Dec 24	261.95%
Nov 24	273.51%
Nov 24	283.95%
Nov 24	271.51%
Nov 24	265.69%
Nov 24	256.53%
Oct 24	260.12%

Price to Sales

PPM.AX Price to Sales by year
Period	Price to Sales
Sep 26	0.31
Sep 26	0.31
Sep 26	0.35
Aug 26	0.34
Aug 26	0.35
Aug 26	0.32
Aug 26	0.33
Jul 26	0.31
Jul 26	0.29
Jul 26	0.28
Jul 26	0.3
Jul 26	0.28
Jun 26	0.28
Jun 26	0.29
Jun 26	0.29
Jun 26	0.3
May 26	0.3
May 26	0.3
May 26	0.3
May 26	0.3
May 26	0.31
Apr 26	0.31
Apr 26	0.31
Apr 26	0.32
Apr 26	0.31
Mar 26	0.31
Mar 26	0.3
Mar 26	0.38
Mar 26	0.4
Feb 26	0.44
Feb 26	0.43
Feb 26	0.41
Feb 26	0.32
Jan 26	0.35
Jan 26	0.37
Jan 26	0.37
Jan 26	0.38
Jan 26	0.4
Dec 25	0.4
Dec 25	0.39
Dec 25	0.39
Dec 25	0.42
Nov 25	0.44
Nov 25	0.42
Nov 25	0.43
Nov 25	0.43
Oct 25	0.4
Oct 25	0.38
Oct 25	0.39
Oct 25	0.36
Oct 25	0.36
Sep 25	0.28
Sep 25	0.3
Sep 25	0.3
Sep 25	0.32
Aug 25	0.31
Aug 25	0.3
Aug 25	0.28
Aug 25	0.27
Aug 25	0.27
Jul 25	0.27
Jul 25	0.27
Jul 25	0.26
Jul 25	0.26
Jun 25	0.26
Jun 25	0.24
Jun 25	0.24
Jun 25	0.27
May 25	0.23
May 25	0.23
May 25	0.24
May 25	0.23
May 25	0.22
Apr 25	0.2
Apr 25	0.19
Apr 25	0.19
Apr 25	0.2
Mar 25	0.21
Mar 25	0.2
Mar 25	0.21
Mar 25	0.22
Feb 25	0.21
Feb 25	0.21
Feb 25	0.22
Feb 25	0.22
Jan 25	0.21
Jan 25	0.21
Jan 25	0.21
Jan 25	0.22
Jan 25	0.22
Dec 24	0.2
Dec 24	0.21
Dec 24	0.21
Dec 24	0.21
Nov 24	0.2
Nov 24	0.19
Nov 24	0.2
Nov 24	0.21
Nov 24	0.22
Oct 24	0.21

EV/EBITDA

PPM.AX EV/EBITDA by year
Period	EV/EBITDA
Sep 26	7.01
Sep 26	7.01
Sep 26	7.04
Aug 26	7.03
Aug 26	7.04
Aug 26	7.02
Aug 26	7.02
Jul 26	7.01
Jul 26	6.98
Jul 26	6.98
Jul 26	6.99
Jul 26	6.98
Jun 26	6.97
Jun 26	6.98
Jun 26	6.98
Jun 26	6.99
May 26	6.99
May 26	6.99
May 26	6.99
May 26	7
May 26	7.01
Apr 26	7
Apr 26	7.01
Apr 26	7.01
Apr 26	7
Mar 26	6.3
Mar 26	6.29
Mar 26	6.37
Mar 26	6.39
Feb 26	6.43
Feb 26	6.42
Feb 26	6.4
Feb 26	6.31
Jan 26	6.34
Jan 26	6.36
Jan 26	6.36
Jan 26	6.37
Jan 26	6.39
Dec 25	6.39
Dec 25	6.38
Dec 25	6.38
Dec 25	6.41
Nov 25	6.43
Nov 25	6.41
Nov 25	6.42
Nov 25	6.42
Oct 25	6.39
Oct 25	6.37
Oct 25	6.38
Oct 25	6.35
Oct 25	6.35
Sep 25	6.36
Sep 25	6.38
Sep 25	6.38
Sep 25	6.41
Aug 25	6.39
Aug 25	6.39
Aug 25	6.35
Aug 25	6.34
Aug 25	6.35
Jul 25	6.35
Jul 25	6.35
Jul 25	6.34
Jul 25	6.33
Jun 25	6.33
Jun 25	6.31
Jun 25	6.3
Jun 25	6.34
May 25	6.3
May 25	6.3
May 25	6.3
May 25	6.3
May 25	6.29
Apr 25	6.25
Apr 25	6.25
Apr 25	6.25
Apr 25	6.26
Mar 25	7.12
Mar 25	7.11
Mar 25	7.12
Mar 25	7.13
Feb 25	7.11
Feb 25	7.12
Feb 25	7.13
Feb 25	7.14
Jan 25	7.12
Jan 25	7.12
Jan 25	7.12
Jan 25	7.13
Jan 25	7.13
Dec 24	7.11
Dec 24	7.12
Dec 24	7.12
Dec 24	7.12
Nov 24	7.11
Nov 24	7.1
Nov 24	7.11
Nov 24	7.12
Nov 24	7.13
Oct 24	7.12

Price/Operating Cashflow

PPM.AX Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	0.41
Sep 26	0.41
Sep 26	0.46
Aug 26	0.45
Aug 26	0.46
Aug 26	0.43
Aug 26	0.43
Jul 26	0.41
Jul 26	0.38
Jul 26	0.38
Jul 26	0.39
Jul 26	0.38
Jun 26	0.37
Jun 26	0.38
Jun 26	0.38
Jun 26	0.39
May 26	0.39
May 26	0.39
May 26	0.39
May 26	0.4
May 26	0.41
Apr 26	0.41
Apr 26	0.42
Apr 26	0.42
Apr 26	0.41
Mar 26	0.31
Mar 26	0.3
Mar 26	0.38
Mar 26	0.4
Feb 26	0.43
Feb 26	0.42
Feb 26	0.41
Feb 26	0.31
Jan 26	0.35
Jan 26	0.36
Jan 26	0.36
Jan 26	0.37
Jan 26	0.4
Dec 25	0.4
Dec 25	0.39
Dec 25	0.39
Dec 25	0.42
Nov 25	0.44
Nov 25	0.41
Nov 25	0.42
Nov 25	0.42
Oct 25	0.4
Oct 25	0.38
Oct 25	0.38
Oct 25	0.36
Oct 25	0.36
Sep 25	0.32
Sep 25	0.34
Sep 25	0.35
Sep 25	0.37
Aug 25	0.35
Aug 25	0.35
Aug 25	0.32
Aug 25	0.31
Aug 25	0.31
Jul 25	0.31
Jul 25	0.31
Jul 25	0.3
Jul 25	0.3
Jun 25	0.3
Jun 25	0.28
Jun 25	0.27
Jun 25	0.31
May 25	0.27
May 25	0.27
May 25	0.27
May 25	0.27
May 25	0.26
Apr 25	0.23
Apr 25	0.22
Apr 25	0.22
Apr 25	0.23
Mar 25	0.38
Mar 25	0.37
Mar 25	0.37
Mar 25	0.4
Feb 25	0.37
Feb 25	0.38
Feb 25	0.39
Feb 25	0.4
Jan 25	0.38
Jan 25	0.38
Jan 25	0.38
Jan 25	0.39
Jan 25	0.39
Dec 24	0.36
Dec 24	0.38
Dec 24	0.38
Dec 24	0.38
Nov 24	0.36
Nov 24	0.35
Nov 24	0.36
Nov 24	0.37
Nov 24	0.39
Oct 24	0.38

Price to Book

PPM.AX Price to Book by year
Period	Price to Book
Sep 26	0.89
Sep 26	0.89
Sep 26	1
Aug 26	0.97
Aug 26	0.99
Aug 26	0.93
Aug 26	0.93
Jul 26	0.9
Jul 26	0.83
Jul 26	0.82
Jul 26	0.85
Jul 26	0.82
Jun 26	0.8
Jun 26	0.83
Jun 26	0.83
Jun 26	0.85
May 26	0.85
May 26	0.85
May 26	0.85
May 26	0.87
May 26	0.9
Apr 26	0.89
Apr 26	0.9
Apr 26	0.91
Apr 26	0.88
Mar 26	1.02
Mar 26	0.99
Mar 26	1.26
Mar 26	1.33
Feb 26	1.44
Feb 26	1.4
Feb 26	1.36
Feb 26	1.05
Jan 26	1.17
Jan 26	1.21
Jan 26	1.22
Jan 26	1.24
Jan 26	1.33
Dec 25	1.33
Dec 25	1.3
Dec 25	1.3
Dec 25	1.39
Nov 25	1.46
Nov 25	1.38
Nov 25	1.42
Nov 25	1.42
Oct 25	1.33
Oct 25	1.27
Oct 25	1.28
Oct 25	1.19
Oct 25	1.2
Sep 25	1.02
Sep 25	1.07
Sep 25	1.09
Sep 25	1.16
Aug 25	1.11
Aug 25	1.1
Aug 25	1
Aug 25	0.96
Aug 25	0.98
Jul 25	0.98
Jul 25	0.98
Jul 25	0.96
Jul 25	0.94
Jun 25	0.94
Jun 25	0.88
Jun 25	0.86
Jun 25	0.96
May 25	0.84
May 25	0.85
May 25	0.86
May 25	0.84
May 25	0.81
Apr 25	0.71
Apr 25	0.71
Apr 25	0.7
Apr 25	0.72
Mar 25	0.72
Mar 25	0.71
Mar 25	0.72
Mar 25	0.76
Feb 25	0.71
Feb 25	0.74
Feb 25	0.75
Feb 25	0.77
Jan 25	0.73
Jan 25	0.73
Jan 25	0.73
Jan 25	0.74
Jan 25	0.74
Dec 24	0.69
Dec 24	0.72
Dec 24	0.72
Dec 24	0.73
Nov 24	0.7
Nov 24	0.67
Nov 24	0.7
Nov 24	0.72
Nov 24	0.74
Oct 24	0.73

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AI Analysis

Pepper Money Limited

Video analysis: PPM.AX

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