Definitive Analysis
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Definitive Analysis

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Sector

Pepper Money Limited (PPM.AX)

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

Valuation Snapshot

Stable Growth$10.82 - $30.19$16.80
Multi-Stage$7.47 - $8.15$7.81
Blended Fair Value$12.30
Current Price$1.80
Upside583.35%
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 Rate8.96%8.96%8.96%
Growth Rate5.50%6.50%7.50%
Fair Value$10.82$16.80$30.19
Upside / Downside500.91%833.08%1,577.18%

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 Rate8.96%8.96%8.96%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)106.03107.04108.04
Year 2 PV (M)119.92122.21124.51
Year 3 PV (M)132.82136.64140.52
Year 4 PV (M)144.79150.35156.08
Year 5 PV (M)155.85163.38171.20
PV of Terminal Value (M)2,767.822,901.513,040.31
Equity Value (M)3,427.243,581.133,740.67
Shares Outstanding (M)458.81458.81458.81
Fair Value$7.47$7.81$8.15
Upside / Downside314.99%333.62%352.94%

High-Yield Dividend Screener

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