Pepper Money Ltd Total Assets
Pepper Money Ltd total assets. Based on the latest financial reports, Pepper Money Ltd (PPM) holds total assets worth AU$18.40 Billion AUD (≈ $13.02 Billion USD) as of December 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. Also see how much is Pepper Money Ltd worth for the company's overall valuation and market capitalisation.
Total Assets of Pepper Money Ltd (2014–2025)
Total assets of Pepper Money Ltd from 2014 to 2025. This chart illustrates how Pepper Money Ltd's total assets have evolved over time, based on quarterly financial data. See PPM stock price and chart for real-time trading data and today's change.
Pepper Money Ltd - Asset Composition Analysis
Pepper Money Ltd Total Assets Breakdown (December 2025)
Pepper Money Ltd total assets breakdown as of December 2025. Pepper Money Ltd's total assets of AU$18.40 Billion consist of 7.0% current assets and 93.0% non-current assets.
| Asset Category | Amount (AUD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | AU$0.00 | 6.9% |
| Accounts Receivable | AU$25.20 Million | 0.1% |
| Inventory | AU$0.00 | 0.0% |
| Property, Plant & Equipment | AU$18.90 Million | 0.1% |
| Intangible Assets | AU$121.50 Million | 0.7% |
| Goodwill | AU$98.20 Million | 0.5% |
Asset Composition Trend (2014–2025)
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. Explore working capital to net assets of Pepper Money Ltd to assess how much short-term liquidity the company maintains relative to its equity base.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Pepper Money Ltd's current assets represent 7.0% of total assets in 2025, a decrease from 9.5% in 2014.
- Cash Position: Cash and equivalents constituted 6.9% of total assets in 2025, 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 intangible assets at 0.7% 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 |
|---|---|---|
|
Krungthai Card PCL
BK:KTC
|
Thailand | ฿105.45 Billion |
|
Mastercard Inc
NYSE:MA
|
USA | $52.45 Billion |
|
Indian Railway Finance Corporation Limited
NSE:IRFC
|
India | Rs4.98 Trillion |
|
Best SA
WAR:BST
|
Poland | zł2.95 Billion |
|
Vardhman Holdings Limited
NSE:VHL
|
India | Rs37.69 Billion |
|
RMS Mezzanine A.S.
PR:PVT
|
Czech Republic | Kč384.52 Million |
|
Magna Finance Tbk
JK:MGNA
|
Indonesia | Rp127.24 Billion |
|
Yolo SA
WAR:YOL
|
Poland | zł206.00K |
Pepper Money Ltd - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.08 | 90.64 | 31.83 |
| Quick Ratio | 0.08 | 90.64 | 31.83 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | AU$-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 | 0.94 |
| Latest Market Cap to Assets Ratio | 0.03 |
| Asset Growth Rate (YoY) | 5.3% |
| Total Assets | AU$18.40 Billion |
| Market Capitalization | $565.82 Million USD |
Valuation Analysis
Below Book Valuation: The market values Pepper Money Ltd's assets below their book value (0.03x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Pepper Money Ltd's assets grew by 5.3% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Pepper Money Ltd (2014–2025)
The table below shows the annual total assets of Pepper Money Ltd from 2014 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | AU$18.40 Billion ≈ $13.02 Billion |
+5.31% |
| 2024-12-31 | AU$17.47 Billion ≈ $12.36 Billion |
-13.54% |
| 2023-12-31 | AU$20.21 Billion ≈ $14.30 Billion |
+1.45% |
| 2022-12-31 | AU$19.92 Billion ≈ $14.09 Billion |
+15.35% |
| 2021-12-31 | AU$17.27 Billion ≈ $12.22 Billion |
+20.46% |
| 2020-12-31 | AU$14.34 Billion ≈ $10.14 Billion |
+2497.87% |
| 2019-12-31 | AU$551.81 Million ≈ $390.44 Million |
-96.79% |
| 2018-12-31 | AU$17.22 Billion ≈ $12.18 Billion |
+58.26% |
| 2017-12-31 | AU$10.88 Billion ≈ $7.70 Billion |
+30.87% |
| 2016-12-31 | AU$8.31 Billion ≈ $5.88 Billion |
+26.98% |
| 2015-12-31 | AU$6.55 Billion ≈ $4.63 Billion |
+34.49% |
| 2014-12-31 | AU$4.87 Billion ≈ $3.44 Billion |
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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