Pepper Money Ltd - Asset Resilience Ratio

Latest as of December 2024: 0.09%

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. Read PPM liabilities breakdown for a breakdown of total debt and financial obligations.

Liquid Assets

AU$15.30 Million

≈ $10.83 Million USD Cash + Short-term Investments

Total Assets

AU$17.47 Billion

≈ $12.36 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2016–2024)

This chart shows how Pepper Money Ltd's Asset Resilience Ratio has changed over time. See Pepper Money Ltd shareholders equity for net asset value and shareholders' equity analysis.

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. For market capitalisation and broader financial context, see Pepper Money Ltd market cap and net worth.

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
Upstart Holdings Inc NASDAQ:UPST	Credit Services	1.39%
Beijing Cuiwei Tower Co Ltd SHG:603123	Credit Services	1.79%
Peninsula Group Ltd TA:PEN	Credit Services	1.01%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%
Wisr Ltd AU:WZR	Credit Services	0.02%
Intan Baruprana Finance Tbk JK:IBFN	Credit Services	7.72%
Fast Finance SA WAR:FFI	Credit Services	69.30%
Funding Circle Holdings PLC LSE:FCH	Credit Services	54.97%

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 ≈ $10.83 Million	AU$17.47 Billion ≈ $12.36 Billion	+0.09pp
2023-12-31	0.00%	AU$200.00K ≈ $141.51K	AU$20.21 Billion ≈ $14.30 Billion	0.00pp
2022-12-31	0.00%	AU$200.00K ≈ $141.51K	AU$19.92 Billion ≈ $14.09 Billion	-0.01pp
2021-12-31	0.01%	AU$2.20 Million ≈ $1.56 Million	AU$17.27 Billion ≈ $12.22 Billion	-6.16pp
2020-12-31	6.18%	AU$885.58 Million ≈ $626.60 Million	AU$14.34 Billion ≈ $10.14 Billion	-12.92pp
2019-12-31	19.10%	AU$105.38 Million ≈ $74.56 Million	AU$551.81 Million ≈ $390.44 Million	+18.02pp
2018-12-31	1.08%	AU$185.69 Million ≈ $131.39 Million	AU$17.22 Billion ≈ $12.18 Billion	+0.15pp
2017-12-31	0.93%	AU$101.07 Million ≈ $71.51 Million	AU$10.88 Billion ≈ $7.70 Billion	-8.48pp
2016-12-31	9.41%	AU$782.08 Million ≈ $553.37 Million	AU$8.31 Billion ≈ $5.88 Billion	--

pp = percentage points

About Pepper Money Ltd

AU:PPM Australia Credit Services

Market Cap

$553.56 Million

AU$782.35 Million AUD

Market Cap Rank

#12004 Global

#305 in Australia

Share Price

AU$1.76

Change (1 day)

+2.03%

52-Week Range

AU$1.58 - AU$2.49

All Time High

AU$2.49