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Pepper Money
Pepper Money (PPM) investor relations material
Pepper Money H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary18 Feb, 2026
Executive summary
Achieved record originations of AUD 10.3 billion (+47%) and total AUM of AUD 21.8 billion (+14%), marking strong growth and profitability for the 25th anniversary.
Mortgage originations reached AUD 6.8 billion (+66%), asset finance originations AUD 3.5 billion (+20%).
Pro forma NPAT rose 7% year-over-year to AUD 104.8 million, with underlying profit before tax and loan loss expense up 13% to AUD 237.4 million.
Fully franked dividends totaling AUD 0.267 per share (AUD 118.6 million) were declared, up 123% from 2024, delivering a 16.1% annualized yield.
Cost-to-income ratio improved to 50.5% (down 4%), reflecting disciplined cost management.
Financial highlights
Net interest margin (NIM) expanded to 2.05% (+8bps), with asset finance NIM at 2.85% (+30–31bps) and mortgages at 1.54% (down 4–12bps year-over-year).
Total operating income increased 1% year-over-year to AUD 388.8 million.
Loan loss expense rose 31% to AUD 90.6 million, mainly in asset finance, reflecting portfolio growth and model recalibration.
Total loan loss provisions ended at AUD 138.6 million, with a coverage ratio of 0.83% of lending AUM.
Net assets closed at AUD 869.9 million, up from AUD 855.6 million in December 2024.
Outlook and guidance
Positioned for continued growth in 2026, leveraging business diversification, technology investment, and strong funding headroom.
Entered 2026 with double-digit application growth and robust funding markets despite geopolitical issues.
Interest rate volatility and potential RBA rate rises remain key macroeconomic risks.
Ongoing focus on capturing market opportunities in prime and specialist lending segments and capital-light annuity streams.
Mortgages customers remain resilient; asset finance customers face some pressure.
How will funding strategy mitigate NIM headwinds?
Detail the impact of ECL model changes on provisions.
Future growth strategy for prime mortgages
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Next Pepper Money earnings date
H1 202620 Aug, 2026
Pepper Money
Next Pepper Money earnings date
H1 202620 Aug, 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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