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 (PPM) - Total Assets
Latest total assets as of June 2025: AU$17.15 Billion AUD
Based on the latest financial reports, Pepper Money Ltd (PPM) holds total assets worth AU$17.15 Billion AUD as of June 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Pepper Money Ltd - Total Assets Trend (2014–2024)
This chart illustrates how Pepper Money Ltd’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Pepper Money Ltd - Asset Composition Analysis
Current Asset Composition (December 2024)
Pepper Money Ltd's total assets of AU$17.15 Billion consist of 7.1% current assets and 92.9% non-current assets.
| Asset Category | Amount (AUD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | AU$0.00 | 7.0% |
| Accounts Receivable | AU$13.90 Million | 0.1% |
| Inventory | AU$0.00 | 0.0% |
| Property, Plant & Equipment | AU$25.40 Million | 0.2% |
| Intangible Assets | AU$30.10 Million | 0.2% |
| Goodwill | AU$98.20 Million | 0.6% |
Asset Composition Trend (2014–2024)
This chart illustrates how Pepper Money Ltd's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Pepper Money Ltd's current assets represent 7.1% of total assets in 2024, a decrease from 9.5% in 2014.
- Cash Position: Cash and equivalents constituted 7.0% of total assets in 2024, down from 9.5% in 2014.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2014.
- Asset Diversification: The largest asset category is goodwill at 0.6% of total assets.
Pepper Money Ltd Competitors by Total Assets
Key competitors of Pepper Money Ltd based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Fon SE
WAR:FON
|
Poland | zł8.72 Million |
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Evergreen Max Cash Capital Berhad
KLSE:0286
|
Malaysia | RM361.11 Million |
|
Samsung Card Co. Ltd.
KO:029780
|
Korea | ₩32.17 Trillion |
|
Yiren Digital Ltd
F:19YA
|
Germany | €14.45 Billion |
|
Yixin Group Limited
F:1YX
|
Germany | €50.34 Billion |
|
BFF Bank S.p.A
F:2BF
|
Germany | €12.13 Billion |
|
Resurs Holding AB (publ)
F:4R6
|
Germany | €50.33 Billion |
Pepper Money Ltd - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Pepper Money Ltd generates 0.09x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Pepper Money Ltd generates $ 0.57 in net profit.
Pepper Money Ltd - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.08 | 90.64 | 31.83 |
| Quick Ratio | 0.08 | 90.64 | 31.83 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | AU$-15.24 Billion | AU$ 1.53 Billion | AU$ 1.75 Billion |
Pepper Money Ltd - Advanced Valuation Insights
This section examines the relationship between Pepper Money Ltd's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.31 |
| Latest Market Cap to Assets Ratio | 0.01 |
| Asset Growth Rate (YoY) | -13.5% |
| Total Assets | AU$17.47 Billion |
| Market Capitalization | $181.54 Million USD |
Valuation Analysis
Below Book Valuation: The market values Pepper Money Ltd's assets below their book value (0.01 x), which may indicate investor concerns about asset quality or future growth.
Significant Asset Reduction: Pepper Money Ltd's assets decreased by 13.5% over the past year, potentially indicating divestiture, restructuring, or challenging business conditions.
Annual Total Assets for Pepper Money Ltd (2014–2024)
The table below shows the annual total assets of Pepper Money Ltd from 2014 to 2024.
| Year | Total Assets | Change |
|---|---|---|
| 2024-12-31 | AU$17.47 Billion | -13.54% |
| 2023-12-31 | AU$20.21 Billion | +1.45% |
| 2022-12-31 | AU$19.92 Billion | +15.35% |
| 2021-12-31 | AU$17.27 Billion | +20.46% |
| 2020-12-31 | AU$14.34 Billion | +2497.87% |
| 2019-12-31 | AU$551.81 Million | -96.79% |
| 2018-12-31 | AU$17.22 Billion | +58.26% |
| 2017-12-31 | AU$10.88 Billion | +30.87% |
| 2016-12-31 | AU$8.31 Billion | +26.98% |
| 2015-12-31 | AU$6.55 Billion | +34.49% |
| 2014-12-31 | AU$4.87 Billion | -- |