Pepper Money Ltd (PPM) - 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. Check how aggressively does Pepper Money Ltd reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Pepper Money Ltd - Total Assets Trend (2014–2025)
This chart illustrates how Pepper Money Ltd's total assets have evolved over time, based on quarterly financial data. Explore long-term investment intensity of Pepper Money Ltd to see how much of total assets are deployed in long-term investments.
Pepper Money Ltd - Asset Composition Analysis
Current Asset Composition (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. For live market cap, price, and company overview, see PPM stock market capitalisation.
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 |
|---|---|---|
|
Vardhman Holdings Limited
NSE:VHL
|
India | Rs37.69 Billion |
|
Five-Star Business Finance Limited
NSE:FIVESTAR
|
India | Rs154.35 Billion |
|
Capri Global Capital Limited
NSE:CGCL
|
India | Rs326.76 Billion |
|
Srisawad Power 1979 PCL
BK:SAWAD
|
Thailand | ฿107.67 Billion |
|
Navient Corp
NASDAQ:NAVI
|
USA | $48.68 Billion |
|
Propel Holdings Inc
TO:PRL
|
Canada | CA$639.53 Million |
|
Menif Financial Services Ltd
TA:MNIF
|
Israel | ILA3.82 Billion |
|
General Accident PLC
LSE:GACA
|
UK | GBX14.16 Billion |
Pepper Money Ltd - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.08 | 90.64 | 31.83 |
| Quick Ratio | 0.08 | 90.64 | 31.83 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | AU$-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 | 0.88 |
| Latest Market Cap to Assets Ratio | 0.03 |
| Asset Growth Rate (YoY) | 5.3% |
| Total Assets | AU$18.40 Billion |
| Market Capitalization | $521.27 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