39LOW

PPM

PEPPERMONE FPO [PPM]
Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing for residential home loans, small balance commercial real estate loans, and self-managed super fund mortgages. The Asset Finance segment finances a range of asset types for consumer and commercial customers. The Loan and Other Servicing segment provides independent loan servicing for mortgages, and asset finance and personal loans. It also offers auto and equipment finance, novated leases, and third-party loan services. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia. Pepper Money Limited is a subsidiary of Pepper Group Anz Holdco Limited.
Financial Services · ASX Small Cap
$1.7250 -2.5%

Updated 26 Mar 2026 · Scores refresh every scan

Score Breakdown

Technical38
Catalyst50
Sentiment50
Fundamental90
Momentum77
Risk Gate42
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Active Signals

Bullish Signals

  • RSI drifting toward oversold territory — worth watching
  • Lagging the Small Ords index — relative strength of 0.82, underperforming its peers
  • Adequate cash runway (7 quarters)
  • Low P/S ratio (1.9x)
  • EPS estimates revised upward (+6pts)
  • CANSLIM C: Positive EPS growth (11% QoQ)
  • CANSLIM S: Tight float (35%)
  • CANSLIM I: Institutional ownership (21%)
  • Healthy profit margins (26%)
  • Sentiment is mixed — no strong consensus either way
  • Strong long-term momentum — up 64% over the past year (excluding last month)
  • The bigger volume days are the up days — volume-weighted momentum is positive (1.29%/day)
  • Altman Z-Score distress zone (-0.57 < 1.81, low-confidence approx)
  • Serial restatements detected (2 corrections/amendments)
  • Beneish M-Score -1.75 > -1.78: likely earnings manipulation
  • RBA hiking (-5pts)

Risk Signals

  • Trading below both moving averages — the trend is working against this one
  • Below the 200-day average — the long-term trend is still working against it
  • Not enough chatter to gauge sentiment — defaulting to neutral
  • Overseas neutral (-1pts, S&P500 neutral, VIX 25)
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Recent Catalysts

NONE Update on non-binding offer for Pepper Money
NONE Cessation of Discussions with Challenger
NONE Notice of Annual General Meeting/Proxy Form

Recent ASX Announcements

2026-03-24 Update on non-binding offer for Pepper Money PRICE SENSITIVE
2026-03-24 Cessation of Discussions with Challenger PRICE SENSITIVE
2026-03-23 Notice of Annual General Meeting/Proxy Form
2026-03-16 Revised non-binding offer for Pepper Money PRICE SENSITIVE
2026-03-16 Receipt of revised non-binding offer for Pepper Money PRICE SENSITIVE

Key Metrics

$765.9M
Market Cap
817K
Avg Volume
1.0x
Vol Ratio
$1.27 — $2.58
52-Week Range
0.3%
Short Interest
N/A
Cash Runway
12.1%
ROE
26.4%
Profit Margin

CANSLIM Analysis

FactorRatingDetail
CCurrent EPSweakEPS Growth: 11%
AAnnual EarningsfailCAGR: 0%
NNew Highs / Catalystsneutral
SSupply & DemandpassFloat: 35%
LLeader vs LaggardlaggardRS: -4
IInstitutional SponsorshippassInst: 21%
MMarket DirectionneutralNeutral

Sector: Financial Services

Ranked #86 of 115 · Sector avg: 45

View all Financial Services signals →
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