Business Description
Pepper Money Ltd
ISIN : AU0000150898
Description
Pepper Money Ltd provides a variety of home loan solutions. It also provides car loans, personal loans, loans for professional equipment, and commercial loans. The company operates in three reportable segments Mortgage, Asset Finance, and Loan and Other Servicing. The maximum revenue is derived from the Asset finance segment. The Asset finance segment includes financing a range of asset types for consumer and commercial customers.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.06 | |||||
| Equity-to-Asset | 0.05 | |||||
| Debt-to-Equity | 20.38 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 4/9 | |||||
| WACC vs ROIC | ||||||
Growth Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Book Growth Rate | 18.3 | |||||
| Future 3-5Y Total Revenue Growth Rate Estimate | 5.72 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 39.88 | |||||
| 9-Day RSI | 47.82 | |||||
| 14-Day RSI | 51.02 | |||||
| 6-1 Month Momentum % | -4.2 | |||||
| 12-1 Month Momentum % | 7.03 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 7.04 | |||||
| Dividend Payout Ratio | 0.38 | |||||
| Forward Dividend Yield % | 7.04 | |||||
| 5-Year Yield-on-Cost % | 7.04 | |||||
| Shareholder Yield % | 74.11 |
Profitability Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 26.34 | |||||
| FCF Margin % | 308.5 | |||||
| ROE % | 12.41 | |||||
| ROA % | 0.54 | |||||
| Years of Profitability over Past 10-Year | 3 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 6.31 | |||||
| Forward PE Ratio | 6.51 | |||||
| PE Ratio without NRI | 6.31 | |||||
| PS Ratio | 1.66 | |||||
| PB Ratio | 0.73 | |||||
| Price-to-Tangible-Book | 0.87 | |||||
| Price-to-Free-Cash-Flow | 0.53 | |||||
| Price-to-Operating-Cash-Flow | 0.53 | |||||
| EV-to-Forward-EBIT | 105.81 | |||||
| EV-to-Forward-EBITDA | 101.35 | |||||
| EV-to-Revenue | 42.96 | |||||
| EV-to-Forward-Revenue | 39.79 | |||||
| EV-to-FCF | 13.94 | |||||
| Price-to-Graham-Number | 0.49 | |||||
| FCF Yield % | 195.51 |
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