Pepper Money Ltd
ASX:PPM

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Pepper Money Ltd
ASX:PPM
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Price: 2.21 AUD 2.31%
Market Cap: 982.4m AUD

Relative Value

The Relative Value of one PPM stock under the Base Case scenario is 5.86 AUD. Compared to the current market price of 2.21 AUD, Pepper Money Ltd is Undervalued by 62%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

PPM Relative Value
Base Case
5.86 AUD
Undervaluation 62%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

vs History
35
vs Industry
87
Median 3Y
0.5
Median 5Y
0.6
Industry
3.2
Forward
2.5
vs History
3
vs Industry
57
Median 3Y
5.8
Median 5Y
4.8
Industry
15.5
Forward
10.4
vs History
24
vs Industry
55
Median 3Y
0.5
Median 5Y
0.2
Industry
10.2
vs History
3
vs Industry
48
Median 3Y
1.1
Median 5Y
0.9
Industry
12.2
vs History
22
vs Industry
64
Median 3Y
0.8
Median 5Y
0.8
Industry
1.3
vs History
68
vs Industry
19
Median 3Y
12.9
Median 5Y
14
Industry
5
Forward
42.8
vs History
80
vs Industry
6
Median 3Y
42.6
Median 5Y
43
Industry
7.4
vs History
47
vs Industry
7
Median 3Y
97.4
Median 5Y
97.3
Industry
14.1
Forward
127.9
vs History
47
vs Industry
4
Median 3Y
97.4
Median 5Y
97.3
Industry
14.8
Forward
101.4
vs History
35
vs Industry
39
Median 3Y
12.4
Median 5Y
6.5
Industry
12.4
vs History
35
vs Industry
37
Median 3Y
12.5
Median 5Y
6.6
Industry
13.3
vs History
26
vs Industry
36
Median 3Y
1
Median 5Y
1
Industry
1

Multiples Across Competitors

PPM Competitors Multiples
Pepper Money Ltd Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
AU
Pepper Money Ltd
ASX:PPM
981m AUD 0.7 9.9 97.4 97.4
US
Rocket Companies Inc
NYSE:RKT
53.3B USD 8.7 -521.5 53.6 61.3
US
Mr Cooper Group Inc
NASDAQ:COOP
13.5B USD 6 23.7 28.1 30
US
Federal National Mortgage Association
OTC:FNMA
12.7B USD 0.1 1 060.6 239.1 239.1
US
UWM Holdings Corp
NYSE:UWMC
7.7B USD 2.6 456.6 14.8 15.4
US
PennyMac Financial Services Inc
NYSE:PFSI
6.8B USD 2.4 13.7 33.8 36.5
US
Federal Home Loan Mortgage Corp
OTC:FMCC
6.7B USD 0.1 -83.3 28.3 28.3
US
MGIC Investment Corp
NYSE:MTG
6.6B USD 5.5 8.8 7.1 7.1
BM
Essent Group Ltd
NYSE:ESNT
6.5B USD 5.1 9.2 7.9 7.9
US
Enact Holdings Inc
NASDAQ:ACT
5.9B USD 4.8 8.9 6.8 6.8
US
Axos Financial Inc
NYSE:AX
5B USD 4 11.6 217.7 0