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Investor Relations14 Oct 2025
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Pepkor Holdings Limited (PPH) investor relations material
Pepkor Holdings Limited H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary27 May, 2025
Executive summary
Revenue grew 12.8% year-over-year to R48.8bn for H1FY25, driven by strong retail and fintech performance, with market share gains and robust trading momentum.
Normalised HEPS increased 18.9% to 84.3c, reflecting disciplined cost management and strong underlying earnings growth after adjusting for prior year tax provision releases.
Operating profit rose 13.3% to R5.8bn, with margin improving to 11.9%, just below the 12% target.
Retail remains the core profit driver, while fintech and financial services expanded their contributions, with FinTech now contributing 60% of group revenue.
Cash conversion at 82% and return on net assets at 23.7% on a rolling 12-month basis.
Financial highlights
Gross profit rose 15.9% to R19.1bn, with gross margin up 110bps to 39.2%.
Operating profit before capital items increased 13.3% to R5.8bn; operating margin at 11.9%.
Net debt reduced to R10.3bn, with net debt-to-EBITDA below 1x and successful bond placements and refinancing at lower rates.
Inventory levels rose 13.5% to R18.3bn, reflecting buffered inflows, new store openings, and higher-value handsets.
Cash up 36% year-over-year, despite increased investment in credit books and inventory.
Outlook and guidance
Focus on sustained performance in traditional retail, disciplined cost management, and continued execution of strategic growth levers.
Group plans to open 250–300 new stores in FY25, leveraging acquisitions and digital initiatives.
Positive sales momentum continues into H2, with inventory levels expected to normalize by year-end.
Major focus on integrating recent acquisitions, especially Okay Furniture and LEGIT.
No interim dividend declared; full-year dividend policy with 3x earnings cover remains.
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Next Pepkor Holdings Limited earnings date
H2 202525 Nov, 2025
Next Pepkor Holdings Limited earnings date
H2 202525 Nov, 2025
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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.
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