PEPPER MONEY LTD. (X95) - Net Assets
Based on the latest financial reports, PEPPER MONEY LTD. (X95) has net assets worth €869.90 Million EUR (≈ $1.02 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€18.40 Billion ≈ $21.51 Billion USD) and total liabilities (€17.53 Billion ≈ $20.49 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check X95 strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €869.90 Million |
| % of Total Assets | 4.73% |
| Annual Growth Rate | 1.12% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 1.44 |
PEPPER MONEY LTD. - Net Assets Trend (2022–2025)
This chart illustrates how PEPPER MONEY LTD.'s net assets have evolved over time, based on quarterly financial data. Explore X95 long-term investment intensity to see how much of total assets are deployed in long-term investments.
Annual Net Assets for PEPPER MONEY LTD. (2022–2025)
The table below shows the annual net assets of PEPPER MONEY LTD. from 2022 to 2025. For live valuation and market cap data, see X95 company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €869.90 Million ≈ $1.02 Billion |
+1.67% |
| 2024-12-31 | €855.60 Million ≈ $1.00 Billion |
-0.83% |
| 2023-12-31 | €862.80 Million ≈ $1.01 Billion |
+2.56% |
| 2022-12-31 | €841.30 Million ≈ $983.57 Million |
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Equity Component Analysis
This analysis shows how different components contribute to PEPPER MONEY LTD.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 11700000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €89.50 Million | 10.29% |
| Other Components | €780.40 Million | 89.71% |
| Total Equity | €869.90 Million | 100.00% |
PEPPER MONEY LTD. Competitors by Market Cap
The table below lists competitors of PEPPER MONEY LTD. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Promotora de Informaciones SA
MC:PRS
|
$413.34 Million |
|
Nathans Famous Inc
NASDAQ:NATH
|
$413.45 Million |
|
Jasmine International Public Company Limited
BK:JAS-R
|
$413.53 Million |
|
Jiangling Motors Corp Ltd
SHE:200550
|
$413.66 Million |
|
SHELF DRILLING LTD
F:6SD
|
$413.20 Million |
|
Metrics Income Opportunities Trust
AU:MOT
|
$413.18 Million |
|
Zhejiang Golden Eagle Co Ltd
SHG:600232
|
$413.08 Million |
|
Century Therapeutics Inc
NASDAQ:IPSC
|
$413.01 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in PEPPER MONEY LTD.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 855,600,000 to 869,900,000, a change of 14,300,000 (1.7%).
- Net income of 104,600,000 contributed positively to equity growth.
- Dividend payments of 115,400,000 reduced retained earnings.
- Share repurchases of 400,000 reduced equity.
- Other factors increased equity by 25,500,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €104.60 Million | +12.02% |
| Dividends Paid | €115.40 Million | -13.27% |
| Share Repurchases | €400.00K | -0.05% |
| Other Changes | €25.50 Million | +2.93% |
| Total Change | €- | 1.67% |
Book Value vs Market Value Analysis
This analysis compares PEPPER MONEY LTD.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.47x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | €1.82 | €0.92 | x |
| 2023-12-31 | €1.88 | €0.92 | x |
| 2024-12-31 | €1.94 | €0.92 | x |
| 2025-12-31 | €1.96 | €0.92 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently PEPPER MONEY LTD. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.02%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.14%
- • Asset Turnover: 0.02x
- • Equity Multiplier: 21.15x
- Recent ROE (12.02%) is below the historical average (13.64%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 17.58% | 32.96% | 0.02x | 24.84x | €60.81 Million |
| 2023 | 13.41% | 28.58% | 0.02x | 24.48x | €28.16 Million |
| 2024 | 11.55% | 24.51% | 0.02x | 20.42x | €13.24 Million |
| 2025 | 12.02% | 26.14% | 0.02x | 21.15x | €17.61 Million |
Industry Comparison
This section compares PEPPER MONEY LTD.'s net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $5,879,474,267
- Average return on equity (ROE) among peers: 1.87%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| PEPPER MONEY LTD. (X95) | €869.90 Million | 17.58% | 20.15x | $413.28 Million |
| Yiren Digital Ltd (19YA) | $2.14 Billion | 52.17% | 1.24x | $120.21 Million |
| Qudian Inc (1QU) | $11.92 Billion | 27.38% | 0.54x | $272.58 Million |
| Yixin Group Limited (1YX) | $15.42 Billion | -1.08% | 2.28x | $1.33 Billion |
| TRUFIN PLC (29U) | $32.45 Million | -21.79% | 0.56x | $141.30 Million |
| 51 CREDIT CARD DL-00001 (2JY) | $758.75 Million | -30.80% | 1.05x | $114.10 Million |
| CREDIT CORP. GROUP LTD. (2RC) | $825.67 Million | 6.14% | 0.60x | $490.08 Million |
| HANHUA FNCL HLDG CO.H YC1 (5HF) | $7.93 Billion | 0.40% | 0.66x | $11.63 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $19.70 Billion | 9.95% | 2.90x | $1.30 Billion |
| HARMONEY CORP. LTD (6DR) | $58.50 Million | -12.96% | 13.62x | $40.54 Million |
| PREMIA FINANCE O.N. (81U) | $3.02 Million | -10.68% | 0.59x | $1.82 Million |
About 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 for residential home loans, small balance commercial real estate loans, and self-managed super fund mortgages. The Asset Finance segment … Read more