Pepper Money Ltd
ASX:PPM

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Pepper Money Ltd
ASX:PPM
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Price: 1.415 AUD 0.35% Market Closed
Market Cap: 622.8m AUD
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Relative Value

The Relative Value of one PPM stock under the Base Case scenario is 5.326 AUD. Compared to the current market price of 1.415 AUD, Pepper Money Ltd is Undervalued by 73%.

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
5.326 AUD
Undervaluation 73%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

0.4
P/S
P/S
Price to Sales
0.4
vs History
86
vs Industry
86
Median 3Y
0.5
Median 5Y
0.6
Industry
3.1
Forward
1.5
More Details
6
P/E
P/E
Price to Earnings
6
vs History
11
vs Industry
58
Median 3Y
4.6
Median 5Y
4.3
Industry
15.3
Forward
7.1
More Details
0.5
P/OCF
P/OCF
Price to OCF
0.5
vs History
34
vs Industry
34
Median 3Y
-0.1
Median 5Y
-0.2
Industry
10.2
More Details
0.7
P/FCFE
P/FCFE
Price to FCFE
0.7
vs History
47
vs Industry
48
Median 3Y
0.7
Median 5Y
0.7
Industry
12.7
More Details
0.7
P/B
P/B
Price to Book Value
0.7
vs History
72
vs Industry
61
Median 3Y
0.8
Median 5Y
0.8
Industry
1.3
More Details
11.3
EV/S
EV/S
Enterprise Value to Sales
11.3
vs History
90
vs Industry
15
Median 3Y
18.3
Median 5Y
18.3
Industry
4.8
Forward
43.1
More Details
41.3
EV/GP
EV/GP
Enterprise Value to Gross Profit
41.3
vs History
90
vs Industry
6
Median 3Y
44
Median 5Y
44.1
Industry
7
More Details
106.2
EV/EBITDA
EV/EBITDA
Enterprise Value to EBITDA
106.2
vs History
36
vs Industry
7
Median 3Y
98.8
Median 5Y
98.9
Industry
14.2
Forward
100.4
More Details
106.2
EV/EBIT
EV/EBIT
Enterprise Value to EBIT
106.2
vs History
36
vs Industry
4
Median 3Y
98.8
Median 5Y
98.9
Industry
14.6
Forward
112.5
More Details
14.7
EV/OCF
EV/OCF
Enterprise Value to OCF
14.7
vs History
34
vs Industry
2
Median 3Y
-5.1
Median 5Y
-5.1
Industry
12.4
More Details
14.7
EV/FCFF
EV/FCFF
Enterprise Value to FCFF
14.7
vs History
34
vs Industry
2
Median 3Y
-5.1
Median 5Y
-5.1
Industry
13.5
More Details
1
EV/IC
EV/IC
Enterprise Value to IC
1
vs History
86
vs Industry
36
Median 3Y
1
Median 5Y
1
Industry
0.9
More Details

Multiples Across Competitors

PPM Competitors Multiples
Pepper Money Ltd Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
AU
Pepper Money Ltd
ASX:PPM
624.9m AUD 0.4 6 106.2 106.2
US
Rocket Companies Inc
NYSE:RKT
23.3B USD 5.3 -1 524.1 75.8 97.7
US
UWM Holdings Corp
NYSE:UWMC
9.4B USD 3.8 -430.4 16.1 16.8
US
MGIC Investment Corp
NYSE:MTG
6.1B USD 5.1 7.9 6.3 6.4
US
Mr Cooper Group Inc
NASDAQ:COOP
6.1B USD 3.1 11.8 20.2 21.2
BM
Essent Group Ltd
NYSE:ESNT
5.7B USD 4.6 7.7 6.7 6.7
US
PennyMac Financial Services Inc
NYSE:PFSI
5.2B USD 2.3 30.3 62.1 78.5
US
Enact Holdings Inc
NASDAQ:ACT
5.1B USD 4.3 7.4 5.5 5.5
US
Radian Group Inc
NYSE:RDN
4.8B USD 3.7 8 7 7.4
US
New York Community Bancorp Inc
NYSE:NYCB
4.6B USD 1.4 -1.5 58.6 0
US
Axos Financial Inc
NYSE:AX
4.1B USD 3.2 8.5 156.8 0
P/E Multiple
Earnings Growth P/E to Growth
AU
Pepper Money Ltd
ASX:PPM
Average P/E: 10.9
6
3%
2.1
US
Rocket Companies Inc
NYSE:RKT
Negative Multiple: -1 524.1 N/A N/A
US
UWM Holdings Corp
NYSE:UWMC
Negative Multiple: -430.4 N/A N/A
US
MGIC Investment Corp
NYSE:MTG
7.9
5%
1.6
US
Mr Cooper Group Inc
NASDAQ:COOP
11.8
96%
0.1
BM
Essent Group Ltd
NYSE:ESNT
7.7
12%
0.6
US
PennyMac Financial Services Inc
NYSE:PFSI
30.3
471%
0.1
US
Enact Holdings Inc
NASDAQ:ACT
7.4
2%
4.3
US
Radian Group Inc
NYSE:RDN
8
-6%
N/A
US
New York Community Bancorp Inc
NYSE:NYCB
Negative Multiple: -1.5 N/A N/A
US
Axos Financial Inc
NYSE:AX
8.5
N/A N/A
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
AU
Pepper Money Ltd
ASX:PPM
Average EV/EBIT: 38.5
106.2
2%
49.7
US
Rocket Companies Inc
NYSE:RKT
97.7
2 417%
0
US
UWM Holdings Corp
NYSE:UWMC
16.8
60%
0.3
US
MGIC Investment Corp
NYSE:MTG
6.4
-7%
N/A
US
Mr Cooper Group Inc
NASDAQ:COOP
21.2
40%
0.5
BM
Essent Group Ltd
NYSE:ESNT
6.7
16%
0.4
US
PennyMac Financial Services Inc
NYSE:PFSI
78.5
N/A N/A
US
Enact Holdings Inc
NASDAQ:ACT
5.5
-7%
N/A
US
Radian Group Inc
NYSE:RDN
7.4
-28%
N/A
US
New York Community Bancorp Inc
NYSE:NYCB
Not Available N/A N/A
US
Axos Financial Inc
NYSE:AX
Not Available N/A N/A

See Also

Summary
PPM intrinsic value, competitors valuation, and company profile.
DCF Valuation
PPM stock valuation using Discount Cash Flow valuation method.
Relative Valuation
PPM stock valuation using valuation multiples.
Wall Street Estimates
PPM price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
PPM stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Discover More
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