profit from every A$100 of sales.
A$0A$100
Pepper Money
A$1.79-0.83% today
-23.7% in 1 year
1-year low A$1.501-year high A$2.42
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay A$7.67 for every A$1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Pepper Money sold, what it kept, and what it did with the cash.
Sales went from A$428 million in 2022 to A$400 million in 2025, with A$105 million of profit last year.
SalesProfit
Pepper Money vs. similar companies
Pepper Money grows the slowest of these 5 and is the cheapest for its profits.
| Company | Profit from A$100 of sales | Sales growth a year | Price per A$1 of profit |
|---|---|---|---|
| Pepper Money | 7.7× · Cheap | ||
 Visa | 33.4× · Expensive | ||
 Mastercard | 38.0× · Expensive | ||
 American Express | 19.7× · Fair price | ||
 Capital One Financial | 47.5× · Expensive |
AI analysis
An AI analyst reads Pepper Money's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 428 | 387 | 403 | 400 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 141 | 111 | 99 | 105 | |
| 0.31 | 0.25 | 0.21 | 0.23 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.0% | 28.6% | 24.5% | 26.1% |
Balance sheet
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 19,919 | 20,208 | 17,472 | 18,400 |
| Cash | 1,244 | 1,529 | 1,226 | 1,267 |
| Total debt | 18,979 | 19,257 | 16,467 | 17,372 |
| Total liabilities | 19,078 | 19,345 | 16,617 | 17,530 |
| 802 | 825 | 856 | 870 | |
| 450 | 440 | 463 | 462 | |
| – | – | – | – | |
| 17.6% | 13.4% | 11.5% | 12.0% |
Cash flow
| In millions of AUD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| – | – | – | – | |
| 10 | 7 | 7 | 6 | |
| -2,308 | 91 | 2,592 | -721 | |
| Dividends paid | 63 | 38 | 44 | 115 |
| – | – | 3 | 0 | |
| – | – | – | – |
Valuation
- 7.7×
- –
- –
- 0.8×
- 2.0×
- –
- –
- -89.8%
- 13.0%
- 14.4%
Profitability
- –
- –
- 26.1%
- –
- –
- –
- –
- –
- –
- –
Growth
- −2.2%
- −10.3%
- –
- –
- +0.9%
Financial health
- –
- 19.97
- –
- –
- –
- –
- –
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 15%of 875
Bottom 16%of 878
Bottom 1%of 926
14.4%of the share price, paid each year
On $1,000 invested$144a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
110.3% of its profit
Room to growStretchedMore than it earnsNews
Keurig Dr Pepper prices 57.97M common share offering at $34.50Seeking Alpha · Nov 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Pepper Money
Is Pepper Money a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Pepper Money AI analysis
What does Pepper Money do?
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. It is in Credit Services, based in North Sydney, NSW, Australia.
Does Pepper Money pay a dividend?
Yes. At today's price the dividend is 14.4% a year, about 110% of its yearly profit. In 2025 it paid out A$115 million in dividends.
Is Pepper Money stock halal?
No. Pepper Money does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Pepper Money stock done over the past year?
Down 23.7% over the past twelve months, to A$1.79. It traded between A$1.50 and A$2.42 and is 26.2% below its high.
Who are Pepper Money's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Pepper Money's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.