)
Edge28 Nov 2025
Keeping the Streak Alive: The Story of Duolingo
How Duolingo made language learning addictive, scaled to millions of users, and built a powerful subscription business around everyday practice.
Pepkor Holdings Limited (PPH) investor relations material
Pepkor Holdings Limited H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary25 Nov, 2025
Executive summary
Achieved 12% revenue growth to ZAR 95.3 billion from continuing operations, with normalized HEPS up 23.4% year-over-year, driven by strong market share gains, disciplined cost management, and FinTech performance.
Opened over 6,000 stores, including 269 new stores, and expanded digital and fintech capabilities, with strategic acquisitions such as Choice Clothing and Retailability brands.
Maintained strong cash generation (ZAR 10.9 billion), with cash conversion at 82% excluding FoneYam investment, and declared a 10% higher dividend of ZAR 0.53.
Fintech segment, especially FoneYam, delivered exceptional growth, now contributing 20% of group profit.
Continued investment in supply chain, technology, and new business formats, positioning for future growth.
Financial highlights
Revenue up 12% year-over-year to ZAR 95.3 billion; operating profit up 13.2% to over ZAR 11.1 billion.
Normalised HEPS up 23.4%; dividend per share increased to 53.0cps (+9.2%).
Gross profit margin improved by 150 bps, nearing 40%, with FinTech margin at 56.4%.
Return on net assets improved to 24%, with return on equity at 24.7%.
Net debt to EBITDA at 0.8x, well within internal guidelines.
Outlook and guidance
Trading post year-end in line with expectations; healthy stock levels and open ports support upcoming peak trading periods.
Anticipate continued fintech outperformance, with financial services expected to grow faster than retail.
Guidance for 30% growth in credit books, stable gross profit margins, and EBIT margin target of 12% within two to three years.
FY26 trading up 10% for first 7 weeks; 250–300 new stores planned.
Ongoing focus on integrating acquisitions and unlocking value in informal and digital channels.
FoneYam's long-term bad debt ratio outlook
Shoprite Furniture deal: status of full implementation?
Rationale for Pepkor's banking venture
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Pepkor Holdings Limited earnings date
H1 202626 May, 2026
Next Pepkor Holdings Limited earnings date
H1 202626 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Pepkor Holdings Limited is an investment holding company based in South Africa, operating in the retail sector. A subsidiary of Steinhoff International Holdings NV, Pepkor specializes in the retailing of clothing and general merchandise, including furniture, appliances, electronics, and building materials, along with offering fintech solutions. The company's product portfolio spans across clothing, footwear, textiles, homeware, babywear, cellular products, and school wear, among other items. Pepkor operates under several retail brands such as Tekkie Town, Refinery, Dunns, Shoe City, CODE, and S.P.C.C. Its fintech operations cover value-added and credit services. With a significant presence in South Africa, Pepkor's operations extend to other African countries and Brazil, managing a variety of retail brands that cater predominantly to the discount and value consumer segments. The company is headquartered in Cape Town, Western Cape, South Africa, and its shares are listed on the Johannesburg Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage