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Pepper Money Ltd
ASX:PPM

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Pepper Money Ltd
ASX:PPM
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Price: 2.27 AUD Market Closed
Market Cap: AU$1B

Gross Margin

30.3%
Current
Improving
by 0.9%
vs 3-y average of 29.5%

Gross Margin shows how much money a company keeps from each dollar of sales after paying for the products it sells. It tells how profitable the company`s core business is before other expenses.

Gross Margin
30.3%
=
Gross Profit
AU$454.2m
/
Revenue
AU$1.5B

Gross Margin shows how much money a company keeps from each dollar of sales after paying for the products it sells. It tells how profitable the company`s core business is before other expenses.

Gross Margin
30.3%
=
Gross Profit
AU$454.2m
/
Revenue
AU$1.5B

Peer Comparison

Country Company Market Cap Gross
Margin
AU
Pepper Money Ltd
ASX:PPM
1B AUD
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US
Rocket Companies Inc
NYSE:RKT
49.8B USD
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US
Mr Cooper Group Inc
NASDAQ:COOP
13.5B USD
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US
Federal National Mortgage Association
OTC:FNMA
9.3B USD
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US
UWM Holdings Corp
NYSE:UWMC
7.5B USD
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BM
Essent Group Ltd
NYSE:ESNT
6.3B USD
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US
Enact Holdings Inc
NASDAQ:ACT
6.3B USD
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US
MGIC Investment Corp
NYSE:MTG
6B USD
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US
Axos Financial Inc
NYSE:AX
5.4B USD
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US
Federal Home Loan Mortgage Corp
OTC:FMCC
4.8B USD
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US
PennyMac Financial Services Inc
NYSE:PFSI
4.7B USD
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Market Distribution

In line with most companies in Australia
Percentile
41th
Based on 2 544 companies
41th percentile
30.3%
Low
-6 907 100% — 21.6%
Typical Range
21.6% — 58.2%
High
58.2% — 2 095.9%
Distribution Statistics
Australia
Min -6 907 100%
30th Percentile 21.6%
Median 38.3%
70th Percentile 58.2%
Max 2 095.9%

Pepper Money Ltd
Glance View

Pepper Money engages in the provision of home, car, and personal loan services. The company is headquartered in Sydney, New South Wales. The company went IPO on 2021-05-25. The firm operates various businesses in Europe, Asia and the Pacific regions. The company targets customer segments such as non-conforming borrowers that are unable to satisfy the criteria of the Australia Banks. The company offers categories of products, which includes mortgages for residential home loans, asset finances primarily for used cars and, loan servicing for residential mortgages and personal loans. The company offers a range of loan portfolios on behalf of third-party clients in Australia, Ireland, the United Kingdom and Spain. Its services include lending, asset servicing, broker portal and debt investor.

PPM Intrinsic Value
3.48 AUD
Undervaluation 35%
Intrinsic Value
Price
What is Gross Margin?
Gross Margin shows how much money a company keeps from each dollar of sales after paying for the products it sells. It tells how profitable the company`s core business is before other expenses.
How is Gross Margin calculated?

Gross Margin is calculated by dividing the Gross Profit by the Revenue.

Gross Margin
30.3%
=
Gross Profit
AU$454.2m
/
Revenue
AU$1.5B
What is Pepper Money Ltd's current Gross Margin?

The current Gross Margin for Pepper Money Ltd is 30.3%, which is above its 3-year median of 29.5%.

How has Gross Margin changed over time?

Over the last 3 years, Pepper Money Ltd’s Gross Margin has decreased from 51.5% to 30.3%. During this period, it reached a low of 27.3% on Jun 30, 2024 and a high of 51.5% on Jun 30, 2022.

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