Definitive Analysis
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Definitive Analysis

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Pepper Money Limited (PPM.AX)

Company Dividend Discount ModelIndustry: Financial - Credit ServicesSector: Financial Services

Valuation Snapshot

Stable Growth$34.12 - $88.21$82.66
Multi-Stage$12.70 - $13.89$13.28
Blended Fair Value$47.97
Current Price$1.80
Upside2,565.25%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS0.00%36.94%0.100.080.140.000.000.000.000.050.020.00
YoY Growth--16.67%-40.28%0.00%0.00%0.00%0.00%-100.00%131.35%470.59%0.00%
Dividend Yield--6.82%6.70%9.72%0.00%0.00%0.00%0.00%2.10%0.91%0.16%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)203.50
(-) Cash Dividends Paid (M)91.10
(=) Cash Retained (M)112.40
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)40.7025.4415.26
Cash Retained (M)112.40112.40112.40
(-) Cash Required (M)-40.70-25.44-15.26
(=) Excess Retained (M)71.7086.9697.14
(/) Shares Outstanding (M)458.81458.81458.81
(=) Excess Retained per Share0.160.190.21
LTM Dividend per Share0.200.200.20
(+) Excess Retained per Share0.160.190.21
(=) Adjusted Dividend0.350.390.41
WACC / Discount Rate6.60%6.60%6.60%
Growth Rate5.50%6.50%7.50%
Fair Value$34.12$82.66$88.21
Upside / Downside1,795.73%4,492.46%4,800.48%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)203.50216.73230.81245.82261.80278.81287.18
Payout Ratio44.77%53.81%62.86%71.91%80.95%90.00%92.50%
Projected Dividends (M)91.10116.63145.09176.76211.93250.93265.64

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate6.60%6.60%6.60%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)108.38109.41110.44
Year 2 PV (M)125.30127.69130.10
Year 3 PV (M)141.86145.93150.08
Year 4 PV (M)158.06164.14170.39
Year 5 PV (M)173.92182.32191.04
PV of Terminal Value (M)5,118.405,365.625,622.31
Equity Value (M)5,825.936,095.116,374.35
Shares Outstanding (M)458.81458.81458.81
Fair Value$12.70$13.28$13.89
Upside / Downside605.44%638.03%671.84%

High-Yield Dividend Screener

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