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Pepper Money Ltd (AU:PPM)
ASX:PPM
Australian Market
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Pepper Money Ltd (PPM) Ratios

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Pepper Money Ltd Ratios

AU:PPM's free cash flow for Q4 2024 was AU$0.97. For the 2024 fiscal year, AU:PPM's free cash flow was decreased by AU$ and operating cash flow was AU$0.81. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 90.64 0.07 0.08 102.39
Quick Ratio
0.00 90.64 <0.01 <0.01 6.41
Cash Ratio
0.00 89.40 0.07 0.08 6.34
Solvency Ratio
<0.01 <0.01 <0.01 <0.01 >-0.01
Operating Cash Flow Ratio
0.00 5.75 -0.12 -0.18 -9.71
Short-Term Operating Cash Flow Coverage
0.16 0.00 0.00 0.00 0.00
Net Current Asset Value
AU$ -15.38BAU$ -17.80BAU$ -17.74BAU$ -15.21BAU$ 365.50M
Leverage Ratios
Debt-to-Assets Ratio
0.94 0.95 0.95 0.96 0.95
Debt-to-Equity Ratio
19.25 23.33 23.67 25.95 27.37
Debt-to-Capital Ratio
0.95 0.96 0.96 0.96 0.96
Long-Term Debt-to-Capital Ratio
0.00 0.96 0.96 0.96 0.96
Financial Leverage Ratio
20.42 24.48 24.84 27.13 28.73
Debt Service Coverage Ratio
0.08 -0.04 -0.11 0.00 0.00
Interest Coverage Ratio
0.00 0.14 0.35--
Debt to Market Cap
19.22 33.70 30.40 21.28 11.91
Interest Debt Per Share
37.36 43.75 44.49 45.96 31.07
Net Debt to EBITDA
11.81 0.00 0.00 27.90 23.82
Profitability Margins
Gross Profit Margin
96.91%81.69%82.21%90.70%91.06%
EBIT Margin
80.45%-5.24%-4.77%67.50%66.14%
EBITDA Margin
81.68%0.00%0.00%70.67%69.29%
Operating Profit Margin
80.45%36.75%47.27%67.50%66.14%
Pretax Profit Margin
8.85%35.60%47.15%24.15%18.28%
Net Profit Margin
6.25%26.50%32.96%15.66%-3.82%
Continuous Operations Profit Margin
6.21%26.02%32.84%16.95%12.84%
Net Income Per EBT
70.62%74.45%69.91%64.84%-20.92%
EBT Per EBIT
11.01%96.87%99.75%35.79%27.64%
Return on Assets (ROA)
0.57%0.55%0.71%0.70%-0.21%
Return on Equity (ROE)
11.52%13.41%17.58%18.98%-5.93%
Return on Capital Employed (ROCE)
7.28%0.76%21.82%70.37%3.61%
Return on Invested Capital (ROIC)
2.63%0.55%-0.80%-2.41%2.53%
Return on Tangible Assets
0.57%0.55%0.71%0.70%-0.21%
Earnings Yield
11.92%19.37%22.59%15.56%-2.58%
Efficiency Ratios
Receivables Turnover
113.68 19.70 41.53 82.05 146.06
Payables Turnover
3.06 4.47 5.68 6.40 4.87
Inventory Turnover
0.00 0.00 0.06 0.05 <0.01
Fixed Asset Turnover
62.21 13.05 22.52 116.86 56.92
Asset Turnover
0.09 0.02 0.02 0.04 0.05
Working Capital Turnover Ratio
2.55 -0.05 -0.03 -1.35 0.10
Cash Conversion Cycle
-116.22 -63.06 5.96K 6.66K 70.14K
Days of Sales Outstanding
3.21 18.53 8.79 4.45 2.50
Days of Inventory Outstanding
0.00 0.00 6.01K 6.71K 70.21K
Days of Payables Outstanding
119.43 81.59 64.27 57.02 74.90
Operating Cycle
3.21 18.53 6.02K 6.72K 70.22K
Cash Flow Ratios
Operating Cash Flow Per Share
5.90 0.21 -5.23 -8.32 -3.06
Free Cash Flow Per Share
5.90 0.20 -5.25 -8.35 -3.09
CapEx Per Share
0.00 0.02 0.02 0.03 0.03
Free Cash Flow to Operating Cash Flow
1.00 0.93 1.00 1.00 1.01
Dividend Paid and CapEx Coverage Ratio
58.93 2.19 -31.26 -296.09 -113.16
Capital Expenditure Coverage Ratio
0.00 13.85 -225.28 -296.09 -113.16
Operating Cash Flow Coverage Ratio
0.16 <0.01 -0.12 -0.18 -0.10
Operating Cash Flow to Sales Ratio
1.64 0.24 -5.37 -3.88 -1.74
Free Cash Flow Yield
311.43%15.96%-369.72%-386.52%-118.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.61 5.16 4.43 6.43 -38.75
Price-to-Sales (P/S) Ratio
0.54 1.37 1.46 1.01 1.48
Price-to-Book (P/B) Ratio
0.99 0.69 0.78 1.22 2.30
Price-to-Free Cash Flow (P/FCF) Ratio
0.33 6.27 -0.27 -0.26 -0.84
Price-to-Operating Cash Flow Ratio
0.33 5.81 -0.27 -0.26 -0.85
Price-to-Earnings Growth (PEG) Ratio
-2.07 -0.21 -0.92 -0.01 0.04
Price-to-Fair Value
0.99 0.69 0.78 1.22 2.30
Enterprise Value Multiple
12.47 0.00 0.00 29.32 25.96
Enterprise Value
16.08B 18.30B 18.36B 15.98B 13.92B
EV to EBITDA
12.46 0.00 0.00 29.32 25.96
EV to Sales
10.17 43.81 42.92 20.72 17.99
EV to Free Cash Flow
6.19 200.65 -7.95 -5.33 -10.25
EV to Operating Cash Flow
6.19 186.16 -7.99 -5.35 -10.34
Tangible Book Value Per Share
1.65 1.55 1.76 1.97 1.05
Shareholders’ Equity Per Share
1.94 1.78 1.82 1.77 1.14
Tax and Other Ratios
Effective Tax Rate
0.30 0.27 0.30 0.30 0.30
Revenue Per Share
3.58 0.90 0.97 2.15 1.76
Net Income Per Share
0.22 0.24 0.32 0.34 -0.07
Tax Burden
0.71 0.74 0.70 0.65 -0.21
Interest Burden
0.11 -6.79 -9.89 0.36 0.28
Research & Development to Revenue
0.00 0.00 0.06 0.00 0.00
SG&A to Revenue
0.00 0.33 0.29 0.00 0.00
Stock-Based Compensation to Revenue
0.00 0.05 0.04 0.02 0.00
Income Quality
26.30 0.89 -16.30 -22.88 -13.49
Currency in AUD
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