Pepper Money Ltd - Asset Resilience Ratio

Latest as of December 2025: 0.08%

Pepper Money Ltd (PPM) has an Asset Resilience Ratio of 0.08% as of December 2025. 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. See Pepper Money Ltd working capital to net assets to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

AU$15.20 Million

≈ $10.75 Million USD Cash + Short-term Investments

Total Assets

AU$18.40 Billion

≈ $13.02 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2016–2025)

This chart shows how Pepper Money Ltd's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Pepper Money Ltd asset portfolio.

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. Explore PPM long-term investment intensity to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	AU$0.00	0%
Short-term Investments	AU$15.20 Million	0.08%
Total Liquid Assets	AU$15.20 Million	0.08%

Asset Resilience Insights

Limited Liquidity: Pepper Money Ltd maintains only 0.08% 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
Oportun Financial Corp NASDAQ:OPRT	Credit Services	0.00%
Gentera S.A.B. de C.V MX:GENTERA	Credit Services	0.95%
Krungthai Card Public Company Limited BK:KTC-R	Credit Services	0.00%
Peninsula Group Ltd TA:PEN	Credit Services	1.01%
OppFi Inc NYSE:OPFI	Credit Services	6.56%
Pioneer Credit Ltd AU:PNC	Credit Services	32.27%
Blender Financial Technologies Ltd TA:BLND	Credit Services	1.42%
ZIP Co Ltd AU:ZIP	Credit Services	0.13%

Annual Asset Resilience Ratio for Pepper Money Ltd (2016–2025)

The table below shows the annual Asset Resilience Ratio data for Pepper Money Ltd.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	0.08%	AU$15.20 Million ≈ $10.75 Million	AU$18.40 Billion ≈ $13.02 Billion	0.00pp
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

$541.98 Million

AU$765.98 Million AUD

Market Cap Rank

#11925 Global

#306 in Australia

Share Price

AU$1.71

Change (1 day)

-1.16%

52-Week Range

AU$1.51 - AU$2.49

All Time High

AU$2.49