Pepper Money Ltd
Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing of residential home loans and small balance commercial real estate loans. The Asset Finance segment finances a range of asset types, such… Read more
Pepper Money Ltd - Asset Resilience Ratio
Pepper Money Ltd (PPM) has an Asset Resilience Ratio of 0.09% as of December 2024. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2024)
This chart shows how Pepper Money Ltd's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Pepper Money Ltd's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | AU$0.00 | 0% |
| Short-term Investments | AU$15.30 Million | 0.09% |
| Total Liquid Assets | AU$15.30 Million | 0.09% |
Asset Resilience Insights
- Limited Liquidity: Pepper Money Ltd maintains only 0.09% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Pepper Money Ltd Industry Peers by Asset Resilience Ratio
Compare Pepper Money Ltd's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
|
Genertec Universal Medical Group Company Limited
F:5UM |
Credit Services | 0.00% |
|
AVIC Capital Co Ltd
SHG:600705 |
Credit Services | 12.64% |
Annual Asset Resilience Ratio for Pepper Money Ltd (2016–2024)
The table below shows the annual Asset Resilience Ratio data for Pepper Money Ltd.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 0.09% | AU$15.30 Million | AU$17.47 Billion | +0.09pp |
| 2023-12-31 | 0.00% | AU$200.00K | AU$20.21 Billion | 0.00pp |
| 2022-12-31 | 0.00% | AU$200.00K | AU$19.92 Billion | -0.01pp |
| 2021-12-31 | 0.01% | AU$2.20 Million | AU$17.27 Billion | -6.16pp |
| 2020-12-31 | 6.18% | AU$885.58 Million | AU$14.34 Billion | -12.92pp |
| 2019-12-31 | 19.10% | AU$105.38 Million | AU$551.81 Million | +18.02pp |
| 2018-12-31 | 1.08% | AU$185.69 Million | AU$17.22 Billion | +0.15pp |
| 2017-12-31 | 0.93% | AU$101.07 Million | AU$10.88 Billion | -8.48pp |
| 2016-12-31 | 9.41% | AU$782.08 Million | AU$8.31 Billion | -- |