Pepper Money Limited Ratios | P/E, ROE & Valuation

On the Key Ratios page for Pepper Money Limited (PPM), the latest P/E of 6.8 frames valuation, while ROE 12.70% and ROIC 2.45% indicates profitability and capital efficiency. Together with the current ratio of 0.00 and debt-to-equity 20.02, these signals help you judge whether valuation is supported by fundamentals across the historical rows.

Financial Performance Ratios

PPM Historical Per Share Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Revenue per Share$2.06$3.59$0.90$0.97$2.15$1.76$0.08$2.46$1.03$2.10
Net Income per Share$0.24$0.22$0.24$0.32$0.34$-0.07$0.01$0.05$0.10$0.35
Operating Cash Flow per Share$-1.61$5.90$0.21$-5.23$-8.32$-3.06$-1.08$0.67$0.26$0.85
Free Cash Flow per Share$-1.60$5.88$0.20$-5.25$-8.35$-3.09$-1.22$0.59$0.20$0.84
Cash per Share$2.85$2.82$3.29$2.83$3.65$2.00$0.00$2.91$2.25$4.44
Book Value per Share$1.96$1.94$1.86$2.11$2.06$1.14$0.06$1.24$1.26$2.58
Tangible Book Value per Share$1.69$1.65$1.55$1.76$1.97$1.05$-0.25$0.95$1.08$2.22
Interest Debt per Share$40.28$39.85$43.75$44.49$45.96$31.07$1.18$31.22$21.09$35.49
CAPEX per Share$0.00$0.02$0.02$0.02$0.03$0.03$0.14$0.08$0.05$0.02

PPM Historical Valuation Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Price to Earnings (P/E)6.796.295.164.436.43-38.75342.3155.9225.017.46
Price to Book (P/B)0.830.730.690.781.222.340.962.112.061.01
Price to Sales (P/S)0.80.391.371.461.011.4833.341.062.531.24
Enterprise Value to EBITDA1512.290029.3225.96189.0828.01818.04655.68
EV to Sales18.4210.0443.8142.9220.7217.9948.0312.6520.8616.01
EV to Operating Cash Flow-23.626.1186.16-7.99-5.35-10.34-3.4746.6383.9939.39
EV to Free Cash Flow-23.746.12200.65-7.95-5.33-10.25-3.0853105.9340.29
Enterprise Value$16.88B$15.86B$18.30B$18.36B$15.98B$13.92B$1.65B$13.67B$8.56B$5.93B

PPM Historical Profitability Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Return on Equity (ROE)12.70%11.55%13.41%17.58%18.98%-5.93%11.97%3.77%8.25%13.58%
Return on Invested Capital (ROIC)2.45%2.67%0.55%-0.80%-2.41%2.53%0.06%2.03%0.31%0.66%
Return on Tangible Assets0.57%0.57%0.55%0.71%0.70%-0.21%0.81%0.12%0.38%0.75%
Earnings Yield14.45%15.90%19.37%22.59%15.56%-2.58%0.29%1.79%4.00%13.41%
Free Cash Flow Yield-97.12%417.05%15.96%-369.72%-386.52%-118.43%-46.73%22.49%7.79%32.01%
Dividend Yield16.38%7.10%6.62%10.14%0.00%0.00%0.00%0.00%2.42%2.36%

PPM Historical Liquidity & Financial Strength

10 years
Metric (FY)TTM202420232022202120202019201820172016
Current Ratio0090.640.070.08102.3931.8323.9423.5912.67
Interest Coverage1.341.180.140.35001.42000
Income Quality-6.8300.89-16.3-22.88-13.49-141.9314.292.462.44
Debt to Equity20.0219.2523.3323.6725.9527.3718.0925.2516.6813.77
Debt to Assets94.65%94.25%95.30%95.28%95.65%95.26%91.83%79.71%76.97%75.22%
Net Debt to EBITDA14.3511.810027.923.8257.8125.66718.95604.84

PPM Historical Efficiency Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Receivables Turnover36.36113.6819.741.5382.05146.060000
Payables Turnover3.1173.564.475.686.44.870000
Inventory Turnover0000.060.050.010000
Days Sales Outstanding10.043.2118.538.794.452.50000
Days Payables Outstanding117.394.9681.5964.2757.0274.90000
Days of Inventory on Hand0006014.116712.5470214.50000

PPM Historical Market Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Enterprise Value to EBITDA1512.290029.3225.96189.0828.01818.04655.68
Market Cap$732.29M$621.39M$571.38M$624.28M$776.30M$1.15B$1.15B$1.15B$1.04B$459.84M
Enterprise Value$16.88B$15.86B$18.30B$18.36B$15.98B$13.92B$1.65B$13.67B$8.56B$5.93B
Dividend Yield16.38%7.10%6.62%10.14%0.00%0.00%0.00%0.00%2.42%2.36%
Payout Ratio110.33%44.64%34.15%44.89%0.00%0.00%0.00%0.00%60.57%17.59%

Frequently Asked Questions

How does Pepper Money Limited’s P/E ratio compare with its history?

On this page, PPM's current P/E is 6.8, compared with a multi-year average around 51.1. A lower P/E versus its own history is a calculated gap versus that average—not a conclusion that the stock is cheap. Pair it with profitability and earnings quality in the table (for example ROE/ROIC) to see whether the multiple moved with earnings.

What is Pepper Money Limited market cap?

Market cap is the market value of a company's equity and is commonly calculated as share price multiplied by shares outstanding. The latest market cap shown in the table is $732.29M. Pair market cap with valuation multiples (P/E, P/B, P/S) so you can evaluate whether size also corresponds with "quality" and profitability. For a wider view across stocks, you can also use the stock screener.

How does Pepper Money Limited’s P/E compare with its industry?

There is no P/E Tickerplace rates as good. Compare the P/E on this page with Pepper Money Limited's own historical range (in the table) and with peers via the Screener and Compare tools. A higher or lower multiple versus peers is a calculated gap, not a recommendation.

How does Pepper Money Limited compare to its competitors in key financial ratios?

The fastest way to compare Pepper Money Limited with competitors is to use the built-in "Peers Comparison" section on this page and the Compare tool. Focus on a small set of ratios that work together: P/E for valuation, ROE/ROIC for profitability and capital efficiency, current ratio and interest coverage for liquidity and solvency, and debt-to-equity for leverage risk. When you see Pepper Money Limited outperform peers on profitability while keeping valuation and leverage reasonable, it often signals stronger fundamentals.

What do Pepper Money Limited's liquidity and leverage ratios show?

Liquidity and leverage figures on this page are published ratios, not a verdict that Pepper Money Limited is financially strong. Current ratio is about 0.00, which is below 1.0 and can suggest tighter short-term liquidity. Interest coverage is about 1.34, implying less buffer for servicing interest costs. Debt-to-equity is about 20.02, suggesting higher leverage than a low-debt profile. Pair them with ROE/ROIC and cash-flow rows in the table. Tickerplace does not rate the company as a good or poor investment.

What do Pepper Money Limited's financial ratios say about its future growth?

Ratios are a way to see what the business is likely to sustain. Look for upward trends in profitability metrics (ROE and ROIC), improving earnings/cash-flow backed measures, and stable or strengthening liquidity. If Pepper Money Limited is sustaining strong returns (for example ROE at 12.70% and ROIC at 2.45%) while debt levels and interest coverage remain manageable, growth expectations may be more credible. If valuation multiples expand while returns weaken, the market may be pricing optimistic growth ahead of results.