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Pepper Money (PPM) investor relations material
Pepper Money H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary21 Aug, 2025
Executive summary
Net profit after tax for 1H 2025 was $47.0 million, up 2% year-over-year, driven by strong originations, scale gains, and disciplined cost management.
Total originations reached $4.5 billion, up 38% year-over-year, with mortgage originations up 53% and asset finance up 19%.
Assets under management reached a record $20.1 billion as of June 30, 2025, up 4% year-over-year, with a shift toward prime lending and robust servicing growth.
Special and interim dividends totaling 18.9c per share were declared, delivering over $83 million in returns and up to a 20.9% annualized yield.
Profit before tax and loan loss expense was $109.2 million, up 1% year-over-year.
Financial highlights
Net interest margin (NIM) for H1 2025 was 1.98%, up 6 basis points year-over-year; mortgage NIM at 1.51% (down 9bps), asset finance NIM at 2.73% (up 21bps).
Total operating income was $185 million, down 1% year-over-year; EBITDA was $89.5 million, flat year-over-year.
Total expenses reduced by 2% year-over-year to $116.7 million, with a cost-to-income ratio of 51.7%.
Loan loss expense was $40.9 million, nearly flat year-over-year; total provisions increased to $124.7 million.
Basic EPS was 10.62c, up from 10.46c in 1H 2024.
Outlook and guidance
Management expects a strong finish to 2025 and a fast start to 2026, supported by product innovation, technology investment, and favorable market conditions.
Second half OpEx expected to remain steady, with inflationary adjustments and some marketing spend increases.
Mortgage NIM expected to remain around current levels if prime origination trends continue.
Prudent provisioning and cautious credit risk management continue amid macroeconomic uncertainty.
Demand for Whole Loan Sales and servicing is expected to remain strong.
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Next Pepper Money earnings date
H2 202525 Feb, 2026
Next Pepper Money earnings date
H2 202525 Feb, 2026
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Frequently asked questions
Pepper Money Limited is a non-bank lender active primarily in the mortgage and asset finance markets of Australia and New Zealand. The company distinguishes itself by offering financing solutions across several segments, including residential home loans and small balance commercial real estate loans, through its Mortgages segment. Additionally, it provides asset finance and a range of loan and other servicing options, catering to a diverse clientele seeking alternatives to traditional banking services. The company is headquartered in Sydney, Australia, and its shares are listed on the Australian Securities Exchange.
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