Pepper Money Ltd
ASX:PPM
Pepper Money Ltd
ASX:PPM
Price:
1.81
AUD
-6.94%
Market Closed
Market Cap:
AU$804.6m
Income Statement
Earnings Waterfall
Pepper Money Ltd
Pepper Money Ltd
Income Statement
Pepper Money Ltd
Pepper Money Ltd
Currency: AUD
| Jun-2017 | Dec-2017 | Jun-2020 | Jun-2021 | Dec-2021 | Jun-2022 | Dec-2022 | Jun-2023 | Dec-2023 | Jun-2024 | Dec-2024 | Jun-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||
| Interest Expense |
0
|
11
|
7
|
7
|
10
|
8
|
13
|
20
|
25
|
27
|
29
|
0
|
|
| Revenue |
728
N/A
|
794
+9%
|
396
-50%
|
377
-5%
|
771
+105%
|
819
+6%
|
1 064
+30%
|
1 364
+28%
|
1 524
+12%
|
1 602
+5%
|
1 580
-1%
|
1 498
-5%
|
|
| Gross Profit | |||||||||||||
| Cost of Revenue |
(139)
|
(280)
|
(210)
|
(186)
|
(371)
|
(397)
|
(622)
|
(917)
|
(1 096)
|
(1 165)
|
(1 124)
|
(1 044)
|
|
| Gross Profit |
231
N/A
|
514
+123%
|
186
-64%
|
191
+3%
|
400
+109%
|
421
+5%
|
442
+5%
|
447
+1%
|
428
-4%
|
437
+2%
|
456
+4%
|
454
0%
|
|
| Operating Income | |||||||||||||
| Operating Expenses |
(383)
|
(456)
|
(121)
|
(105)
|
(199)
|
(201)
|
(224)
|
(254)
|
(250)
|
(267)
|
(276)
|
(280)
|
|
| Selling, General & Administrative |
(195)
|
(332)
|
(66)
|
(80)
|
(154)
|
(153)
|
(171)
|
(186)
|
(185)
|
(184)
|
(187)
|
(185)
|
|
| Depreciation & Amortization |
(12)
|
(15)
|
(13)
|
(11)
|
(21)
|
(24)
|
(20)
|
(22)
|
(22)
|
(20)
|
(19)
|
(19)
|
|
| Other Operating Expenses |
(175)
|
(109)
|
(43)
|
(14)
|
(25)
|
(24)
|
(33)
|
(46)
|
(43)
|
(64)
|
(69)
|
(76)
|
|
| Operating Income |
207
N/A
|
59
-72%
|
64
+10%
|
87
+35%
|
201
+133%
|
221
+10%
|
217
-1%
|
194
-11%
|
178
-8%
|
170
-5%
|
180
+6%
|
174
-3%
|
|
| Pre-Tax Income | |||||||||||||
| Interest Income Expense |
(121)
|
(1)
|
(7)
|
(7)
|
(10)
|
(10)
|
(15)
|
(25)
|
(25)
|
(26)
|
(33)
|
(32)
|
|
| Non-Reccuring Items |
0
|
0
|
0
|
0
|
(5)
|
(0)
|
(0)
|
0
|
(4)
|
0
|
(7)
|
0
|
|
| Total Other Income |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
|
| Pre-Tax Income |
86
N/A
|
58
-33%
|
58
+0%
|
80
+38%
|
186
+133%
|
210
+13%
|
202
-4%
|
169
-16%
|
149
-12%
|
144
-3%
|
140
-3%
|
142
+1%
|
|
| Net Income | |||||||||||||
| Tax Provision |
(21)
|
(16)
|
(18)
|
(24)
|
(56)
|
(63)
|
(61)
|
(49)
|
(40)
|
(41)
|
(42)
|
(43)
|
|
| Income from Continuing Operations |
65
|
41
|
40
|
56
|
131
|
147
|
141
|
120
|
109
|
103
|
98
|
99
|
|
| Income to Minority Interest |
(0)
|
0
|
0
|
0
|
0
|
0
|
1
|
2
|
2
|
2
|
1
|
0
|
|
| Net Income (Common) |
65
N/A
|
41
-37%
|
(32)
N/A
|
238
N/A
|
313
+31%
|
147
-53%
|
141
-4%
|
122
-14%
|
111
-9%
|
104
-6%
|
99
-5%
|
99
+0%
|
|
| EPS (Diluted) |
0.15
N/A
|
0.09
-40%
|
-0.28
N/A
|
0.63
N/A
|
0.71
+13%
|
0.31
-56%
|
0.31
N/A
|
0.27
-13%
|
0.24
-11%
|
0.23
-4%
|
0.21
-9%
|
0.21
N/A
|
|
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