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Pepper Money Ltd
Buy, Hold or Sell?

Let's analyse Pepper together

PenkeI guess you are interested in Pepper Money Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Pepper Money Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Pepper (30 sec.)










What can you expect buying and holding a share of Pepper? (30 sec.)

How much money do you get?

How much money do you get?
A$0.38
When do you have the money?
1 year
How often do you get paid?
85.7%

What is your share worth?

Current worth
A$2.11
Expected worth in 1 year
A$3.81
How sure are you?
85.7%

+ What do you gain per year?

Total Gains per Share
A$2.28
Return On Investment
160.9%

For what price can you sell your share?

Current Price per Share
A$1.42
Expected price per share
A$1.33 - A$1.6349
How sure are you?
50%
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1. Valuation of Pepper (5 min.)




Live pricePrice per Share (EOD)

A$1.42

Intrinsic Value Per Share

A$-19.07 - A$-4.85

Total Value Per Share

A$-16.96 - A$-2.74

2. Growth of Pepper (5 min.)




Is Pepper growing?

Current yearPrevious yearGrowGrow %
How rich?$606m$483.7m$122.2m20.2%

How much money is Pepper making?

Current yearPrevious yearGrowGrow %
Making money$92.1m$204.6m-$112.4m-121.9%
Net Profit Margin33.0%79.1%--

How much money comes from the company's main activities?

3. Financial Health of Pepper (5 min.)




4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#82 / 257

Most Revenue
#63 / 257

Most Profit
#46 / 257
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What can you expect buying and holding a share of Pepper? (5 min.)

Welcome investor! Pepper's management wants to use your money to grow the business. In return you get a share of Pepper.

What can you expect buying and holding a share of Pepper?

First you should know what it really means to hold a share of Pepper. And how you can make/lose money.

Speculation

The Price per Share of Pepper is A$1.415. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Pepper.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Pepper, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$2.11. Based on the TTM, the Book Value Change Per Share is A$0.43 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.55 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.14 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Pepper.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.2114.8%0.2114.8%0.4732.9%0.1510.4%0.139.0%
Usd Book Value Change Per Share0.2819.6%0.2819.6%0.3625.2%0.138.9%0.2013.9%
Usd Dividend Per Share0.096.7%0.096.7%0.096.7%0.085.3%0.064.3%
Usd Total Gains Per Share0.3726.3%0.3726.3%0.4531.9%0.2014.3%0.2618.3%
Usd Price Per Share0.93-0.93-1.41-0.47-0.33-
Price to Earnings Ratio4.43-4.43-3.04-1.49-1.07-
Price-to-Total Gains Ratio2.50-2.50-3.13-2.81-2.81-
Price to Book Ratio0.67-0.67-1.28-0.39-0.28-
Price-to-Total Gains Ratio2.50-2.50-3.13-2.81-2.81-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.9252685
Number of shares1080
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.090.08
Usd Book Value Change Per Share0.280.13
Usd Total Gains Per Share0.370.20
Gains per Quarter (1080 shares)401.93217.77
Gains per Year (1080 shares)1,607.72871.10
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
140712011598325546861
28132402320665110921732
312203603481497616372603
4162648056422130121833474
5203360068030162627294345
6244072079638195232755216
72846840811246227738216087
83253960912854260243676958
936591081014462292749127829
1040661201116070325354588700

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%6.01.00.085.7%6.01.00.085.7%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%6.01.00.085.7%6.01.00.085.7%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%4.00.01.080.0%6.00.01.085.7%6.00.01.085.7%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%6.01.00.085.7%6.01.00.085.7%
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Fundamentals of Pepper

About Pepper Money Ltd

Pepper Money Limited operates as a non-bank lender in the mortgage and asset finance markets in Australia and New Zealand. It operates through three segments: Mortgages, Asset Finance, and Loan and Other Servicing. The Mortgages segment engages in the financing of residential home loans and small balance commercial real estate loans. The Asset Finance segment finances a range of asset types for consumer and commercial customers. The Loan and Other Servicing segment provides independent loan servicing for mortgages and personal loans, and broker administration servicing. It also engages in auto and equipment finance, and novated leasing as well as third party loan servicing. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia.

Fundamental data was last updated by Penke on 2024-02-19 16:23:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is expensive.
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1.1. Profitability of Pepper Money Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Pepper earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Pepper to the Credit Services industry mean.
  • A Net Profit Margin of 33.0% means that $0.33 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Pepper Money Ltd:

  • The MRQ is 33.0%. The company is making a huge profit. +2
  • The TTM is 33.0%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ33.0%TTM33.0%0.0%
TTM33.0%YOY79.1%-46.1%
TTM33.0%5Y23.3%+9.7%
5Y23.3%10Y18.7%+4.6%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ33.0%15.9%+17.1%
TTM33.0%14.9%+18.1%
YOY79.1%19.0%+60.1%
5Y23.3%17.1%+6.2%
10Y18.7%16.6%+2.1%
1.1.2. Return on Assets

Shows how efficient Pepper is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Pepper to the Credit Services industry mean.
  • 0.7% Return on Assets means that Pepper generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Pepper Money Ltd:

  • The MRQ is 0.7%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.7%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.7%TTM0.7%0.0%
TTM0.7%YOY1.8%-1.1%
TTM0.7%5Y0.5%+0.2%
5Y0.5%10Y0.5%0.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7%0.9%-0.2%
TTM0.7%0.9%-0.2%
YOY1.8%1.0%+0.8%
5Y0.5%0.9%-0.4%
10Y0.5%0.9%-0.4%
1.1.3. Return on Equity

Shows how efficient Pepper is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Pepper to the Credit Services industry mean.
  • 17.6% Return on Equity means Pepper generated $0.18 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Pepper Money Ltd:

  • The MRQ is 17.6%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 17.6%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ17.6%TTM17.6%0.0%
TTM17.6%YOY49.2%-31.6%
TTM17.6%5Y14.2%+3.4%
5Y14.2%10Y13.2%+0.9%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ17.6%3.2%+14.4%
TTM17.6%3.4%+14.2%
YOY49.2%3.8%+45.4%
5Y14.2%3.3%+10.9%
10Y13.2%3.5%+9.7%
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1.2. Operating Efficiency of Pepper Money Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Pepper is operating .

  • Measures how much profit Pepper makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Pepper to the Credit Services industry mean.
  • An Operating Margin of 47.3% means the company generated $0.47  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Pepper Money Ltd:

  • The MRQ is 47.3%. The company is operating very efficient. +2
  • The TTM is 47.3%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ47.3%TTM47.3%0.0%
TTM47.3%YOY93.1%-45.9%
TTM47.3%5Y28.1%+19.2%
5Y28.1%10Y20.1%+8.0%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ47.3%19.4%+27.9%
TTM47.3%17.0%+30.3%
YOY93.1%28.2%+64.9%
5Y28.1%21.5%+6.6%
10Y20.1%23.1%-3.0%
1.2.2. Operating Ratio

Measures how efficient Pepper is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 1.86 means that the operating costs are $1.86 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Pepper Money Ltd:

  • The MRQ is 1.863. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.863. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.863TTM1.8630.000
TTM1.863YOY1.284+0.579
TTM1.8635Y0.937+0.926
5Y0.93710Y0.730+0.208
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.8630.861+1.002
TTM1.8630.880+0.983
YOY1.2840.859+0.425
5Y0.9370.805+0.132
10Y0.7300.747-0.017
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1.3. Liquidity of Pepper Money Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Pepper is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 0.07 means the company has $0.07 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Pepper Money Ltd:

  • The MRQ is 0.066. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.066. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.066TTM0.0660.000
TTM0.066YOY0.080-0.014
TTM0.0665Y22.712-22.646
5Y22.71210Y16.974+5.738
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0662.625-2.559
TTM0.0663.016-2.950
YOY0.0802.469-2.389
5Y22.7123.940+18.772
10Y16.9744.132+12.842
1.3.2. Quick Ratio

Measures if Pepper is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Pepper to the Credit Services industry mean.
  • A Quick Ratio of 0.07 means the company can pay off $0.07 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Pepper Money Ltd:

  • The MRQ is 0.066. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.066. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.066TTM0.0660.000
TTM0.066YOY0.080-0.014
TTM0.0665Y3.384-3.317
5Y3.38410Y3.119+0.264
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0661.463-1.397
TTM0.0661.866-1.800
YOY0.0802.328-2.248
5Y3.3843.360+0.024
10Y3.1193.324-0.205
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1.4. Solvency of Pepper Money Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Pepper assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Pepper to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.95 means that Pepper assets are financed with 95.3% credit (debt) and the remaining percentage (100% - 95.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Pepper Money Ltd:

  • The MRQ is 0.953. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.953. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.953TTM0.9530.000
TTM0.953YOY0.957-0.004
TTM0.9535Y0.961-0.008
5Y0.96110Y0.958+0.003
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9530.724+0.229
TTM0.9530.714+0.239
YOY0.9570.716+0.241
5Y0.9610.707+0.254
10Y0.9580.695+0.263
1.4.2. Debt to Equity Ratio

Measures if Pepper is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Pepper to the Credit Services industry mean.
  • A Debt to Equity ratio of 2,368.4% means that company has $23.68 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Pepper Money Ltd:

  • The MRQ is 23.684. The company is unable to pay all its debts with equity. -1
  • The TTM is 23.684. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ23.684TTM23.6840.000
TTM23.684YOY25.972-2.287
TTM23.6845Y26.862-3.178
5Y26.86210Y24.613+2.250
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ23.6842.391+21.293
TTM23.6842.347+21.337
YOY25.9722.338+23.634
5Y26.8622.341+24.521
10Y24.6132.391+22.222
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2. Market Valuation of Pepper Money Ltd

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Pepper generates.

  • Above 15 is considered overpriced but always compare Pepper to the Credit Services industry mean.
  • A PE ratio of 4.43 means the investor is paying $4.43 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Pepper Money Ltd:

  • The EOD is 4.414. Based on the earnings, the company is cheap. +2
  • The MRQ is 4.429. Based on the earnings, the company is cheap. +2
  • The TTM is 4.429. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD4.414MRQ4.429-0.016
MRQ4.429TTM4.4290.000
TTM4.429YOY3.036+1.393
TTM4.4295Y1.493+2.936
5Y1.49310Y1.066+0.427
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD4.4147.349-2.935
MRQ4.4296.590-2.161
TTM4.4296.722-2.293
YOY3.0367.451-4.415
5Y1.4939.075-7.582
10Y1.06611.676-10.610
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Pepper Money Ltd:

  • The EOD is -61.010. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -61.226. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -61.226. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-61.010MRQ-61.226+0.216
MRQ-61.226TTM-61.2260.000
TTM-61.226YOY-94.054+32.829
TTM-61.2265Y-31.056-30.170
5Y-31.05610Y-22.183-8.873
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-61.010-0.714-60.296
MRQ-61.226-0.673-60.553
TTM-61.226-0.677-60.549
YOY-94.054-0.900-93.154
5Y-31.056-0.504-30.552
10Y-22.183-0.388-21.795
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Pepper is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 0.67 means the investor is paying $0.67 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Pepper Money Ltd:

  • The EOD is 0.671. Based on the equity, the company is cheap. +2
  • The MRQ is 0.674. Based on the equity, the company is cheap. +2
  • The TTM is 0.674. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.671MRQ0.674-0.002
MRQ0.674TTM0.6740.000
TTM0.674YOY1.284-0.610
TTM0.6745Y0.392+0.282
5Y0.39210Y0.280+0.112
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD0.6710.875-0.204
MRQ0.6740.857-0.183
TTM0.6740.861-0.187
YOY1.2841.105+0.179
5Y0.3921.221-0.829
10Y0.2801.386-1.106
2. Total Gains per Share
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3. Summary

3.1. Key Performance Indicators

The key performance indicators of Pepper Money Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.4250.4250%0.545-22%0.193+120%0.301+41%
Book Value Per Share--2.1072.1070%1.682+25%1.601+32%1.454+45%
Current Ratio--0.0660.0660%0.080-17%22.712-100%16.974-100%
Debt To Asset Ratio--0.9530.9530%0.9570%0.961-1%0.9580%
Debt To Equity Ratio--23.68423.6840%25.972-9%26.862-12%24.613-4%
Dividend Per Share--0.1440.1440%0.1440%0.115+25%0.094+53%
Eps--0.3210.3210%0.711-55%0.225+43%0.194+65%
Free Cash Flow Per Share---0.023-0.0230%-0.023-1%-0.322+1288%-0.157+576%
Free Cash Flow To Equity Per Share--5.2525.2520%8.346-37%7.709-32%6.903-24%
Gross Profit Margin--0.9020.9020%0.965-7%0.974-7%0.981-8%
Intrinsic Value_10Y_max---4.851--------
Intrinsic Value_10Y_min---19.072--------
Intrinsic Value_1Y_max---0.358--------
Intrinsic Value_1Y_min---1.281--------
Intrinsic Value_3Y_max---1.174--------
Intrinsic Value_3Y_min---4.417--------
Intrinsic Value_5Y_max---2.107--------
Intrinsic Value_5Y_min---8.152--------
Market Cap622304276.3200%624503231.360624503231.3600%949948577.280-34%314890361.728+98%224921686.949+178%
Net Profit Margin--0.3300.3300%0.791-58%0.233+41%0.187+76%
Operating Margin--0.4730.4730%0.931-49%0.281+68%0.201+136%
Operating Ratio--1.8631.8630%1.284+45%0.937+99%0.730+155%
Pb Ratio0.6710%0.6740.6740%1.284-48%0.392+72%0.280+141%
Pe Ratio4.4140%4.4294.4290%3.036+46%1.493+197%1.066+315%
Price Per Share1.4150%1.4201.4200%2.160-34%0.716+98%0.511+178%
Price To Free Cash Flow Ratio-61.010+0%-61.226-61.2260%-94.054+54%-31.056-49%-22.183-64%
Price To Total Gains Ratio2.4860%2.4952.4950%3.133-20%2.814-11%2.814-11%
Quick Ratio--0.0660.0660%0.080-17%3.384-98%3.119-98%
Return On Assets--0.0070.0070%0.018-61%0.005+33%0.005+31%
Return On Equity--0.1760.1760%0.492-64%0.142+24%0.132+33%
Total Gains Per Share--0.5690.5690%0.689-17%0.308+85%0.395+44%
Usd Book Value--606034520.000606034520.0000%483755220.000+25%460315389.820+32%418111600.214+45%
Usd Book Value Change Per Share--0.2780.2780%0.357-22%0.126+120%0.197+41%
Usd Book Value Per Share--1.3781.3780%1.100+25%1.047+32%0.951+45%
Usd Dividend Per Share--0.0940.0940%0.0940%0.075+25%0.061+53%
Usd Eps--0.2100.2100%0.465-55%0.147+43%0.127+65%
Usd Free Cash Flow---6669780.000-6669780.0000%-6604390.000-1%-92603487.080+1288%-45056605.843+576%
Usd Free Cash Flow Per Share---0.015-0.0150%-0.015-1%-0.211+1288%-0.102+576%
Usd Free Cash Flow To Equity Per Share--3.4343.4340%5.457-37%5.041-32%4.514-24%
Usd Market Cap406924766.2860%408362662.986408362662.9860%621171374.683-34%205906807.534+98%147076291.096+178%
Usd Price Per Share0.9250%0.9290.9290%1.412-34%0.468+98%0.334+178%
Usd Profit--92199900.00092199900.0000%204605310.000-55%64700527.840+43%55845208.529+65%
Usd Revenue--279738420.000279738420.0000%258748230.000+8%452082396.480-38%461062461.229-39%
Usd Total Gains Per Share--0.3720.3720%0.451-17%0.202+85%0.258+44%
 EOD+3 -5MRQTTM+0 -0YOY+8 -265Y+25 -1110Y+25 -11

3.2. Fundamental Score

Let's check the fundamental score of Pepper Money Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-154.414
Price to Book Ratio (EOD)Between0-10.671
Net Profit Margin (MRQ)Greater than00.330
Operating Margin (MRQ)Greater than00.473
Quick Ratio (MRQ)Greater than10.066
Current Ratio (MRQ)Greater than10.066
Debt to Asset Ratio (MRQ)Less than10.953
Debt to Equity Ratio (MRQ)Less than123.684
Return on Equity (MRQ)Greater than0.150.176
Return on Assets (MRQ)Greater than0.050.007
Total6/10 (60.0%)

3.3. Technical Score

Let's check the technical score of Pepper Money Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5048.356
Ma 20Greater thanMa 501.473
Ma 50Greater thanMa 1001.345
Ma 100Greater thanMa 2001.286
OpenGreater thanClose1.460
Total3/5 (60.0%)



Latest Balance Sheet

Balance Sheet of 2022-12-31. Currency in AUD. All numbers in thousands.

Summary
Total Assets19,919,400
Total Liabilities18,992,600
Total Stockholder Equity801,900
 As reported
Total Liabilities 18,992,600
Total Stockholder Equity+ 801,900
Total Assets = 19,919,400

Assets

Total Assets19,919,400
Total Current Assets1,254,100
Long-term Assets190,700
Total Current Assets
Cash And Cash Equivalents 1,243,600
Short-term Investments 200
Net Receivables 10,300
Total Current Assets  (as reported)1,254,100
Total Current Assets  (calculated)1,254,100
+/-0
Long-term Assets
Property Plant Equipment 19,000
Goodwill 98,200
Long Term Investments 19,400
Intangible Assets 54,100
Long-term Assets Other -190,700
Long-term Assets  (as reported)190,700
Long-term Assets  (calculated)0
+/- 190,700

Liabilities & Shareholders' Equity

Total Current Liabilities18,992,600
Long-term Liabilities0
Total Stockholder Equity801,900
Total Current Liabilities
Short-term Debt 18,979,200
Short Long Term Debt 18,979,200
Accounts payable 13,400
Other Current Liabilities -18,992,600
Total Current Liabilities  (as reported)18,992,600
Total Current Liabilities  (calculated)18,979,200
+/- 13,400
Long-term Liabilities
Long term Debt Total 18,997,400
Capital Lease Obligations Min Short Term Debt-18,979,200
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)18,200
+/- 18,200
Total Stockholder Equity
Common Stock729,600
Retained Earnings -27,500
Accumulated Other Comprehensive Income 99,800
Total Stockholder Equity (as reported)801,900
Total Stockholder Equity (calculated)801,900
+/-0
Other
Capital Stock729,600
Cash and Short Term Investments 1,243,800
Common Stock Shares Outstanding 439,678
Liabilities and Stockholders Equity 19,919,400
Net Debt 17,735,600
Net Invested Capital 19,781,100
Net Tangible Assets 649,600
Net Working Capital -17,738,500
Property Plant and Equipment Gross 25,800
Short Long Term Debt Total 18,979,200



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
> Total Assets 
8,312,434
10,878,782
17,216,763
22,062,260
14,335,400
17,268,200
19,919,400
19,919,40017,268,20014,335,40022,062,26017,216,76310,878,7828,312,434
   > Total Current Assets 
0
10,598,512
16,812,032
21,580,744
14,201,000
1,320,800
1,254,100
1,254,1001,320,80014,201,00021,580,74416,812,03210,598,5120
       Cash And Cash Equivalents 
782,076
60,943
104,916
105,381
879,800
1,309,200
1,243,600
1,243,6001,309,200879,800105,381104,91660,943782,076
       Short-term Investments 
0
0
0
0
0
2,200
200
2002,20000000
       Net Receivables 
60,197
9,715,616
15,495,192
19,660,094
5,300
9,400
10,300
10,3009,4005,30019,660,09415,495,1929,715,61660,197
       Other Current Assets 
0
0
0
0
4,000
0
0
004,0000000
   > Long-term Assets 
0
0
0
0
134,400
61,100
190,700
190,70061,100134,4000000
       Property Plant Equipment 
21,961
23,676
21,652
118,426
13,600
6,600
19,000
19,0006,60013,600118,42621,65223,67621,961
       Goodwill 
22,195
22,415
60,824
60,321
0
0
98,200
98,2000060,32160,82422,41522,195
       Long Term Investments 
0
0
0
0
19,600
23,000
19,400
19,40023,00019,6000000
       Intangible Assets 
40,540
49,042
67,726
76,745
38,900
31,500
54,100
54,10031,50038,90076,74567,72649,04240,540
> Total Liabilities 
7,858,227
10,376,873
16,673,304
21,252,450
13,835,500
16,528,400
18,992,600
18,992,60016,528,40013,835,50021,252,45016,673,30410,376,8737,858,227
   > Total Current Liabilities 
0
2,015,413
2,956,565
4,041,985
138,700
16,528,400
18,992,600
18,992,60016,528,400138,7004,041,9852,956,5652,015,4130
       Short-term Debt 
1,383,101
1,919,289
2,826,343
3,664,431
0
16,517,200
18,979,200
18,979,20016,517,20003,664,4312,826,3431,919,2891,383,101
       Short Long Term Debt 
0
0
0
0
0
16,517,200
18,979,200
18,979,20016,517,20000000
       Accounts payable 
0
1,961,159
2,887,426
3,741,081
14,200
11,200
13,400
13,40011,20014,2003,741,0812,887,4261,961,1590
       Other Current Liabilities 
0
1,110
4,977
157,751
124,500
-16,528,400
-18,992,600
-18,992,600-16,528,400124,500157,7514,9771,1100
   > Long-term Liabilities 
0
0
0
0
13,696,800
0
0
0013,696,8000000
       Long term Debt Total 
6,252,843
7,981,511
12,812,267
15,454,126
13,183,429
16,517,200
18,997,400
18,997,40016,517,20013,183,42915,454,12612,812,2677,981,5116,252,843
       Other Liabilities 
0
169,839
262,771
98,954
4,200
11,800
20,700
20,70011,8004,20098,954262,771169,8390
> Total Stockholder Equity
454,207
501,909
543,459
809,810
498,900
636,400
801,900
801,900636,400498,900809,810543,459501,909454,207
   Common Stock
298,080
306,101
356,101
601,770
731,500
729,300
729,600
729,600729,300731,500601,770356,101306,101298,080
   Retained Earnings 
160,243
191,017
181,698
226,093
-209,600
-105,300
-27,500
-27,500-105,300-209,600226,093181,698191,017160,243
   Capital Surplus 0000000
   Treasury Stock000000-12,548
   Other Stockholders Equity 
8,432
4,791
5,660
-18,053
8,600
12,400
90,000
90,00012,4008,600-18,0535,6604,7918,432



Balance Sheet

Currency in AUD. All numbers in thousands.




Cash Flow

Currency in AUD. All numbers in thousands.




Income Statement

Currency in AUD. All numbers in thousands.


Latest Income Statement (annual, 2022-12-31)

Gross Profit (+$)
totalRevenue427,800
Cost of Revenue-622,200
Gross Profit427,800-194,400
 
Operating Income (+$)
Gross Profit427,800
Operating Expense-174,900
Operating Income202,200252,900
 
Operating Expense (+$)
Research Development0
Selling General Administrative123,800
Selling And Marketing Expenses13,800
Operating Expense174,900137,600
 
Net Interest Income (+$)
Interest Income15,400
Interest Expense-579,800
Other Finance Cost-940,000
Net Interest Income375,600
 
Pretax Income (+$)
Operating Income202,200
Net Interest Income375,600
Other Non-Operating Income Expenses0
Income Before Tax (EBT)201,700202,700
EBIT - interestExpense = -377,600
202,200
720,800
Interest Expense579,800
Earnings Before Interest and Taxes (EBIT)202,200781,500
Earnings Before Interest and Taxes (EBITDA)222,600
 
After tax Income (+$)
Income Before Tax201,700
Tax Provision-61,200
Net Income From Continuing Ops140,500140,500
Net Income141,000
Net Income Applicable To Common Shares141,000
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses174,900
Total Other Income/Expenses Net-500-375,600
 

Technical Analysis of Pepper
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Pepper. The general trend of Pepper is BULLISH with 71.4% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Pepper's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (71.4%) Bearish trend (-71.4%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Pepper Money Ltd.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 1.57 < 1.5759076023392 < 1.6349.

The bearish price targets are: 1.42 > 1.42 > 1.33.

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Pepper Money Ltd Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Pepper Money Ltd. The current mas is .

The long score for the Moving Averages is 12/14.
The longshort score for the Moving Averages is 10/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Pepper Money Ltd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Pepper Money Ltd. The current macd is 0.03415972.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Pepper price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Pepper. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Pepper price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Pepper Money Ltd Daily Moving Average Convergence/Divergence (MACD) ChartPepper Money Ltd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Pepper Money Ltd. The current adx is 41.09.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Pepper shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Pepper Money Ltd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Pepper Money Ltd. The current sar is 1.55348.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Pepper Money Ltd Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Pepper Money Ltd. The current rsi is 48.36. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
Pepper Money Ltd Daily Relative Strength Index (RSI) ChartPepper Money Ltd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Pepper Money Ltd. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Pepper price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Pepper Money Ltd Daily Stochastic Oscillator ChartPepper Money Ltd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Pepper Money Ltd. The current cci is -96.16858238.

Pepper Money Ltd Daily Commodity Channel Index (CCI) ChartPepper Money Ltd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Pepper Money Ltd. The current cmo is -17.56853138.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Pepper Money Ltd Daily Chande Momentum Oscillator (CMO) ChartPepper Money Ltd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Pepper Money Ltd. The current willr is -100.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Pepper Money Ltd Daily Williams %R ChartPepper Money Ltd Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Pepper Money Ltd.

Pepper Money Ltd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Pepper Money Ltd. The current atr is 0.04932723.

Pepper Money Ltd Daily Average True Range (ATR) ChartPepper Money Ltd Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Pepper Money Ltd. The current obv is 3,178,430.

Pepper Money Ltd Daily On-Balance Volume (OBV) ChartPepper Money Ltd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Pepper Money Ltd. The current mfi is 57.98.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Pepper Money Ltd Daily Money Flow Index (MFI) ChartPepper Money Ltd Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Pepper Money Ltd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-10-10STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-10-12DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-10-13ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-10-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-10-18CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-10-19SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-10-20MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-10-23STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2023-10-25STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-10-30STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-01CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-11-02STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-03STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-07WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-08STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-09MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-11-10STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-13STOCH SHORT EXITThe %K line crosses above the %D line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2023-11-17STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-23MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2023-11-24MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-11-28MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-30STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2023-12-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-07CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-08STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-12CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2023-12-14SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-18DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-20MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-21STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-27ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-28STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-03DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-04DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-09SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-15STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-16MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-18CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-22STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-23STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-24CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-25CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-31BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-01STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-02STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-06MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-08BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-15RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-02-16SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-19SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-23SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-27STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-28CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside

6.3. Candlestick Patterns

Pepper Money Ltd Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Pepper Money Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5048.356
Ma 20Greater thanMa 501.473
Ma 50Greater thanMa 1001.345
Ma 100Greater thanMa 2001.286
OpenGreater thanClose1.460
Total3/5 (60.0%)
Penke

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