Pepper Money Ltd
ASX:PPM

Watchlist Manager
Pepper Money Ltd Logo
Pepper Money Ltd
ASX:PPM
Watchlist
Price: 1.37 AUD 1.86% Market Closed
Market Cap: 603.5m AUD
Have any thoughts about
Pepper Money Ltd?
Write Note

Profitability Summary

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

High Profitability Stocks
Financial Services Industry

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Earnings Waterfall
Pepper Money Ltd

Revenue
1.6B AUD
Cost of Revenue
-1.2B AUD
Gross Profit
437.2m AUD
Operating Expenses
-267.4m AUD
Operating Income
169.8m AUD
Other Expenses
-65.4m AUD
Net Income
104.4m AUD

Margins Comparison
Pepper Money Ltd Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
AU
Pepper Money Ltd
ASX:PPM
605m AUD
27%
11%
7%
US
Rocket Companies Inc
NYSE:RKT
27.2B USD
0%
9%
0%
US
UWM Holdings Corp
NYSE:UWMC
9.2B USD
89%
50%
0%
US
MGIC Investment Corp
NYSE:MTG
6.3B USD
0%
84%
64%
US
Mr Cooper Group Inc
NASDAQ:COOP
6.2B USD
0%
37%
26%
BM
Essent Group Ltd
NYSE:ESNT
5.9B USD
0%
73%
60%
US
Enact Holdings Inc
NASDAQ:ACT
5.3B USD
0%
78%
57%
US
PennyMac Financial Services Inc
NYSE:PFSI
5.2B USD
66%
10%
8%
US
Radian Group Inc
NYSE:RDN
5.2B USD
0%
70%
46%
US
Axos Financial Inc
NYSE:AX
4.6B USD
0%
0%
38%
US
New York Community Bancorp Inc
NYSE:NYCB
4.5B USD
0%
0%
-98%
Country AU
Market Cap 605m AUD
Gross Margin
27%
Operating Margin
11%
Net Margin
7%
Country US
Market Cap 27.2B USD
Gross Margin
0%
Operating Margin
9%
Net Margin
0%
Country US
Market Cap 9.2B USD
Gross Margin
89%
Operating Margin
50%
Net Margin
0%
Country US
Market Cap 6.3B USD
Gross Margin
0%
Operating Margin
84%
Net Margin
64%
Country US
Market Cap 6.2B USD
Gross Margin
0%
Operating Margin
37%
Net Margin
26%
Country BM
Market Cap 5.9B USD
Gross Margin
0%
Operating Margin
73%
Net Margin
60%
Country US
Market Cap 5.3B USD
Gross Margin
0%
Operating Margin
78%
Net Margin
57%
Country US
Market Cap 5.2B USD
Gross Margin
66%
Operating Margin
10%
Net Margin
8%
Country US
Market Cap 5.2B USD
Gross Margin
0%
Operating Margin
70%
Net Margin
46%
Country US
Market Cap 4.6B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
38%
Country US
Market Cap 4.5B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
-98%

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

Return on Capital Comparison
Pepper Money Ltd Competitors

Country Company Market Cap ROE ROA ROCE ROIC
AU
Pepper Money Ltd
ASX:PPM
605m AUD
12%
1%
1%
1%
US
Rocket Companies Inc
NYSE:RKT
27.2B USD
-2%
0%
3%
2%
US
UWM Holdings Corp
NYSE:UWMC
9.2B USD
2%
0%
10%
10%
US
MGIC Investment Corp
NYSE:MTG
6.3B USD
15%
12%
15%
13%
US
Mr Cooper Group Inc
NASDAQ:COOP
6.2B USD
11%
3%
6%
4%
BM
Essent Group Ltd
NYSE:ESNT
5.9B USD
14%
11%
14%
12%
US
Enact Holdings Inc
NASDAQ:ACT
5.3B USD
14%
11%
15%
13%
US
PennyMac Financial Services Inc
NYSE:PFSI
5.2B USD
5%
1%
2%
1%
US
Radian Group Inc
NYSE:RDN
5.2B USD
14%
8%
12%
9%
US
Axos Financial Inc
NYSE:AX
4.6B USD
22%
2%
0%
0%
US
New York Community Bancorp Inc
NYSE:NYCB
4.5B USD
-32%
-3%
0%
0%
Country AU
Market Cap 605m AUD
ROE
12%
ROA
1%
ROCE
1%
ROIC
1%
Country US
Market Cap 27.2B USD
ROE
-2%
ROA
0%
ROCE
3%
ROIC
2%
Country US
Market Cap 9.2B USD
ROE
2%
ROA
0%
ROCE
10%
ROIC
10%
Country US
Market Cap 6.3B USD
ROE
15%
ROA
12%
ROCE
15%
ROIC
13%
Country US
Market Cap 6.2B USD
ROE
11%
ROA
3%
ROCE
6%
ROIC
4%
Country BM
Market Cap 5.9B USD
ROE
14%
ROA
11%
ROCE
14%
ROIC
12%
Country US
Market Cap 5.3B USD
ROE
14%
ROA
11%
ROCE
15%
ROIC
13%
Country US
Market Cap 5.2B USD
ROE
5%
ROA
1%
ROCE
2%
ROIC
1%
Country US
Market Cap 5.2B USD
ROE
14%
ROA
8%
ROCE
12%
ROIC
9%
Country US
Market Cap 4.6B USD
ROE
22%
ROA
2%
ROCE
0%
ROIC
0%
Country US
Market Cap 4.5B USD
ROE
-32%
ROA
-3%
ROCE
0%
ROIC
0%

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

See Also

Discover More
Back to Top