PEPPER MONEY LIMITED (PPM)
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PPM - PEPPER MONEY LIMITED

FNArena Sector : Business & Consumer Credit
Year End: December
GICS Industry Group : Banks
Index:

Pepper Money Limited is a consumer finance company specialising in consumer lending and residential mortgages. It is part of the Pepper Financial Services Group and listed on the ASX in May 2021.

LAST PRICE CHANGE +/- CHANGE % VOLUME

$2.50

23 Sep
2021

-0.010

OPEN

$2.50

-0.40%

HIGH

$2.53

172,399

LOW

$2.47

TARGET
$3.30 32.0% upside
OTHER COMPANIES IN THE SAME SECTOR
CCP . CLH . CMI . SIV . TGA . PEP . RHL . APT . TYR . WZR . SCO . CRD . MME . PGL . CGR . Z1P . MNY . EML . SPT . SMP . PLT . ZBT . LBY . HUM . EPY . OPY . IOU .
FNARENA'S MARKET CONSENSUS FORECASTS
PPM: 1
Title FY19
Actual		 FY20
Actual		 FY21
Forecast		 FY22
Forecast
EPS (cps) xxx 0.0 30.0 xxx
DPS (cps) xxx 0.0 11.5 xxx
EPS Growth xxx N/A N/A xxx
DPS Growth xxx N/A N/A xxx
PE Ratio xxx N/A 8.3 xxx
Dividend Yield xxx N/A 4.6% xxx
Div Pay Ratio(%) xxx N/A 38.4% xxx

Dividend yield today if purchased 3 years ago: 0.00%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 0.00

Estimated Dividend Growth
(Average Of Past Three Years)

Amount Invested

 $ 

Tell Me The Dividend After This Many Years
Past performance is no guarantee for the future. Investors should take into account that heavy swings in share price or exceptional circumstances (a la 2009) can have a significant impact on short term calculations and averages
HISTORICAL DATA ARE ALL IN AUD
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Title 2019
EPS Basic 26.2
DPS All 0.0
Sales/Revenue 64.9 M
Book Value Per Share 224.6
Net Operating Cash Flow -0.1 M
Net Profit Margin 9.48 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 2019
Return on Assets 0.99 %
Return on Equity 17.29 %
Return on Total Capital 4.12 %
Capex 0.0 M
Capex % of Sales 0.00 %
Free Cash Flow ex dividends -0.1 M

Return on Assets

Return on Equity

Return on Total Capital

Capex

Capex % of Sales

Free Cash Flow ex dividends

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Sentiment Indicator

1.0

No. Of Recommendations

2
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Macquarie

xx/xx/xxxx

1

xxxxxxxxxx xx xxxxxxxx xxxx xxxxxxxxxx

$xx.xx

xx.xx%

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Credit Suisse

25/08/2021

1

Outperform

$3.35

34.00%

Pepper Money reported a strong first half FY21 result with an underlying net profit of $66m, 11% above Credit Suisse. The company stated it expects to ‘exceed’ the prospectus FY21 net profit forecast of $121m.

Mainly driven by lower bad and doubtful debts (BDD) and partially offset by lower net interest income estimates, Credit Suisse has increased net profit estimates by 1-5% across the forecast period.

The broker forecasts earnings growth in FY22 and FY23 supported by further loan origination growth and positive leverage from the company's platforms and cost base.

The broker retains an Outperform rating and increases the target to $3.35 from $3.25.

FORECAST
Credit Suisse forecasts a full year FY21 dividend of 12.00 cents and EPS of 29.00 cents.
Credit Suisse forecasts a full year FY22 dividend of 11.00 cents and EPS of 30.00 cents.
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PPM STOCK CHART

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