Pepper Money
Pepper Money is a non-bank lender in Australia and New Zealand, focusing on underserved customer segments. They offer a range of loan options, including mortgages, asset finance, and loan servicing. Pepper Money funds its loans through debt capital markets and is regulated and transparent, having listed on the ASX in May 2021.
Short position
Pepper Money (ASX:PPM) has 0.55% of its shares on issue reported as short positions as of 5 Oct 2026, or about 2,450,880 shares. Over the past 30 days that figure has risen 0.12 percentage points, and over 90 days it has risen 0.19 percentage points. Its highest recorded short interest was 5.54% in May 2013. PPM is classified in the Financial Services industry. All figures come from official ASIC short position reports, published with a four trading-day (T+4) delay.
Price & short interest
Toggle series, zoom, and compare · ASIC daily, T+4Pepper Money (PPM) financials
Results, ratios and statements
Latest result
12 months to 30 Jun 2026 (TTM Jun 26) vs TTM Jun 25, figures in AUD, the reporting currency
- Revenue
- $433.7Mvs n/a (TTM Jun 25)
- Yahoo Finance, as at 29 Sep 2026
- NPAT
- $108.0Mvs n/a (TTM Jun 25)
- Yahoo Finance, as at 29 Sep 2026
- EPS (diluted)
- $0.23vs $0.22 (TTM Jun 25)
- Yahoo Finance, as at 29 Sep 2026
- Rev YoY
- −0.7%FY
- EPS YoY
- +4.3%TTM
Key ratios
12 months to 30 Jun 2026 (TTM); balance sheet at 31 Dec 2025, 6 months before; prices to 9 Oct 2026
- Gross margin
- n/m
- Operating margin
- n/m
- Net margin
- 24.9%
- FCF margin
- n/m
- ROE
- 12.5%
- ROA
- 0.6%
- FCF conversion
- n/m
- Net debt (excl. leases)
- n/m
- Net debt / EBITDA
- n/m
- Current ratio
- n/m
- Interest cover
- n/m
- Cash dividends paid / net profit
- 110.1%
- Market cap
- $760.1M
- P/E
- 7.5×
- P/B
- 0.9×
n/m: not meaningful for banks, insurers and other financials.
Ratios use the reporting currency (AUD); market cap is in AUD. Source: Yahoo Finance, as at 29 Sep 2026.
Financial statements
Figures in AUD, the reporting currency; Yahoo Finance unless marked
| Line item | TTM Jun 26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Revenue | $433.7M | $400.1M | $403.1M | $387.3M | $427.8M |
| Interest expense | $948.3M | $940.0M | $1.09B | $1.07B | $579.8M |
| Pretax income | $152.3M | $146.5M | $139.9M | $148.7M | $201.7M |
| Tax | $44.3M | $41.9M | $41.7M | $40.0M | $61.2M |
| NPAT | $108.0M | $104.6M | $98.8M | $110.7M | $141.0M |
| Net interest income | $365.8M | $335.6M | $341.4M | $336.1M | $375.6M |
| EPS basic | $0.24 | $0.24 | $0.22 | $0.25 | $0.32 |
| EPS diluted | $0.23 | $0.23 | $0.21 | $0.25 | $0.31 |
| Shares | n/a | 444.5M | 440.0M | 439.8M | 439.7M |
Financial reports
The company's own filings, newest first
- Half Yearly Results Investor PresentationHalf Year Results20 Aug 2026via asx_announcements
- Half Yearly Results AnnouncementHalf Year Results20 Aug 2026via asx_announcements
- Half Yearly Report and AccountsHalf Year Results20 Aug 2026via asx_announcements
- Invitation - 2026 Half Year Results BriefingHalf Year Results17 Jul 2026via asx_announcements
- Correction - CY2025 Full Year Results Investor PresentationFull Year Results19 Feb 2026via asx_announcements
- CY2025 Full Year Results Investor PresentationFull Year Results19 Feb 2026via asx_announcements
- CY2025 Full Year Results AnnouncementFull Year Results19 Feb 2026via asx_announcements
- Annual Report to shareholdersAnnual Report19 Feb 2026via asx_announcements
- Invitation - 2025 Full Year Results BriefingFull Year Results21 Jan 2026via asx_announcements
- Half Year - 30 June 2025Half Year Results31 Dec 2025via crawler
Showing 10 of 37 reports