Pepper Money Ltd
ASX:PPM

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Pepper Money Ltd
ASX:PPM
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Price: 1.37 AUD 1.86% Market Closed
Market Cap: 603.5m AUD
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Relative Value

The Relative Value of one PPM stock under the Base Case scenario is 5.34 AUD. Compared to the current market price of 1.37 AUD, Pepper Money Ltd is Undervalued by 74%.

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
5.34 AUD
Undervaluation 74%
Relative Value
Price
Worst Case
Base Case
Best Case

Valuation Multiples

vs History
86
vs Industry
86
Median 3Y
0.6
Median 5Y
0.6
Industry
3.2
Forward
1.4
vs History
11
vs Industry
58
Median 3Y
4.4
Median 5Y
4.3
Industry
15.4
Forward
6.8
vs History
34
vs Industry
34
Median 3Y
-0.2
Median 5Y
-0.2
Industry
10.3
vs History
47
vs Industry
48
Median 3Y
0.7
Median 5Y
0.7
Industry
13.4
vs History
72
vs Industry
61
Median 3Y
0.8
Median 5Y
0.8
Industry
1.3
vs History
90
vs Industry
15
Median 3Y
18.3
Median 5Y
18.3
Industry
4.9
Forward
43
vs History
90
vs Industry
6
Median 3Y
44
Median 5Y
44.1
Industry
7.3
vs History
36
vs Industry
7
Median 3Y
98.8
Median 5Y
98.9
Industry
14.2
Forward
100.2
vs History
36
vs Industry
4
Median 3Y
98.8
Median 5Y
98.9
Industry
14.8
Forward
112.4
vs History
34
vs Industry
2
Median 3Y
-5.1
Median 5Y
-5.1
Industry
12.9
vs History
34
vs Industry
2
Median 3Y
-5.1
Median 5Y
-5.1
Industry
14
vs History
86
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
605m AUD 0.4 5.8 106.1 106.1
US
Rocket Companies Inc
NYSE:RKT
27.2B USD 6.3 -1 799.4 83.4 107.4
US
UWM Holdings Corp
NYSE:UWMC
9.2B USD 4 3 160.1 15.3 15.9
US
MGIC Investment Corp
NYSE:MTG
6.3B USD 5.3 8.3 6.5 6.7
US
Mr Cooper Group Inc
NASDAQ:COOP
6.2B USD 3.1 12.1 20.4 21.4
BM
Essent Group Ltd
NYSE:ESNT
5.9B USD 4.8 8 7 7
US
Enact Holdings Inc
NASDAQ:ACT
5.3B USD 4.4 7.8 5.8 5.8
US
PennyMac Financial Services Inc
NYSE:PFSI
5.2B USD 2.3 30.5 62.3 78.4
US
Radian Group Inc
NYSE:RDN
5.2B USD 4 8.6 7.4 7.8
US
Axos Financial Inc
NYSE:AX
4.6B USD 3.7 9.6 175 0
US
New York Community Bancorp Inc
NYSE:NYCB
4.5B USD 1.4 -1.4 58.1 0

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