About Pepper Money
Pepper Money is a publicly listed company based in Sydney (Australia) founded in 2000. Online platform offering diversified loans. The company has 795 employees. Its website peppermoney.com.au draws about 104 thousand monthly visits. Pepper Money offers products and services including Home Loans, Car Loans, Personal Loans, and Commercial Loans. Its focus areas include FinTech, Alternative Lending, Online Lenders and Diversified. Its legal entity is PEPPER MONEY LIMITED. Its competitors include Thorn Group, Export Finance and CoaXion; 1 of its 3 listed competitors has raised funding.
Company details
Pepper Money, founded in 2000 in Sydney, Australia, focuses on innovating financial technology, alternative lending, online lenders, diversified, and marketplace. Online platform offering diversified loans. The company is dedicated to excellence, innovation, and customer satisfaction, ensuring sustainable practices and long-term success in its sectors.
- Annual Revenue$969.09 M (USD)-8.26as on Dec 31, 2025
- Net Profit$69.91 M (USD)5.87as on Dec 31, 2025
- EBITDA$815.37 M (USD)-10.58as on Dec 31, 2025
- Latest Funding Round$98.25M (USD), Debt – Conventional
Dec 2014
- Employee Count795
Products & Services of Pepper Money
Pepper Money offers a comprehensive portfolio of products and services, including Home Loans, Car Loans, Personal Loans, and Commercial Loans.
Loans for home purchase and refinancing with flexible options.
Financing for cars and vehicles with low fees and bonuses.
Loans for debt consolidation and personal expenses like holidays.
Funding for commercial property and assets for businesses.
Apps and channels of Pepper Money
its YouTube channel Pepper Money has 892 subscribers and 30 videos.
Videos from Pepper Money
The most watched videos on Pepper Money's YouTube channel, Pepper Money (892 subscribers). Click a video to play it here.
More on Pepper Money.
Funding Insights of Pepper Money
- Total Rounds 1
- Last Round Debt – Conventional — $98.25M
- First Round $98.25M
(Dec 2014)
All 1 funding rounds of Pepper Money with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Dec 2014 | $98.25M | Debt – Conventional | – | – | – |
People of Pepper Money
13 people are tracked at Pepper Money (6 in leadership, 5 in board & advisors, 2 in team); the tracked headcount is 795.
| Name | Role | Group |
|---|---|---|
Mike Culhane | Group CEO | Leadership |
Kim Gray | Head Of Human Resources | Leadership |
Andrew Smith | Group Company Secretary, General Counsel And Head Of Tax | Leadership |
Eric Browne | Head Of Tax, Pepper ANZ | Leadership |
Julia Li | Head Of Remuneration And Benefits | Leadership |
Sue Kent | Chief Human Resources Officer | Leadership |
Anthony Moir | Treasurer | Board & advisors |
Mike Cutter | Independent Non- Executive Director | Board & advisors |
Justine Turnbull | Independent Non-Executive Director | Board & advisors |
Akiko Jackson | Chair, Member Of Board Audit & Risk Committee And Of Remuneration Committee | Board & advisors |
Des O’Shea | Non-Executive Director | Board & advisors |
Jennifer Porter | Senior Tax Manager At Pepper Financial Services Group | Team |
Andrea Knight | Senior Manager, Human Resources | Team |
Complete people profiles for Pepper Money
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
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IPO & Listings of Pepper Money
Pepper Money is a publicly listed company on the ASX with ticker symbol PPM in Australia, operating in the Finance sector. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- IPO date30 Dec 2021
- Listed onFRA: X95
- Listed entityPEPPER MONEY LIMITED
- Exchange sectorFinance
- ISINAU0000150898
- Share price1.71 AUD (-0.58% on the day) · 2026-10-14
- Market capitalisation772,938,765.00 AUD
- Price to earnings7.3
- EPS (diluted, trailing year)0.23 AUD
- Dividend yield8.7%
- Volume (last session)123,661
Financials of Pepper Money
| Year | Revenue | Net income | EBITDA |
|---|---|---|---|
| 2025 | 1.45B AUD | 104.6M AUD | 1.22B AUD |
| 2024 | 1.58B AUD | 98.8M AUD | 1.36B AUD |
| 2023 | 1.52B AUD | 110.7M AUD | 1.28B AUD |
| 2022 | 1.06B AUD | 141.0M AUD | 835.2M AUD |
| 2021 | 771.3M AUD | 120.8M AUD | 569.7M AUD |
Detailed financial statements for Pepper Money
Statement rows, ratios, five-year trends and downloadable financials of the group companies require an active premium plan.
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Timeline of Pepper Money
3 dated milestones of Pepper Money across 21 years, from founding to its latest funding, stage changes and deals.
- Founded Pepper Money is founded.
- Funding First funding round of $98.2M.
- IPO Lists on the stock exchange (IPO).
Competitors of Pepper Money
Pepper Money has 3 listed competitors in our database, 1 of them funded. They include Thorn Group, Export Finance and CoaXion.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| thorn.com.au | 1937 | Chullora, Australia | Loans are provided to small and medium enterprises in Australia. | |||
| exportfinance.gov.au | 1957 | Sydney, Australia | Delivers comprehensive business financing solutions to support enterprise growth. | |||
| coaxion.com | 2010 | Brisbane, Australia | $2.65M | Equipment financing is enabled online through usage-based repayments. |
Detailed competitors of Pepper Money
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
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Web traffic of Pepper Money
The website of Pepper Money (peppermoney.com.au) receives about 103.8K visits a month and ranks #334,946 among all websites worldwide, #4,880 in Banking Credit and Lending.
- Monthly visits103.8K
▲ 16.8% vs previous month
- Unique visitors35.1K
per month
- Global rank#334,946
among all websites
- Category rank#4,880
Finance · Banking Credit and Lending
- Bounce rate33%
- Pages per visit4.5
- Average visit2 min 19 sec
- DevicesDesktop 37% · Mobile 63%
Websites whose visitors overlap most with Pepper Money. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| anz.com.au | 100% | 7.7M | #10,788 | View details | |
| plenti.com.au | 95% | 154.6K | #125,887 | View details | |
| commbank.com.au | 95% | 20.3M | #1,847 | View details | |
| westpac.com.au | 90% | 12.6M | #2,809 | View details | |
| mortgagechoice.com.au | 88% | 212.4K | #204,975 | View details | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 40 similar websites and full traffic analytics for Pepper Money
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Related news about Pepper Money
Complete news archive for Pepper Money
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Frequently Asked Questions about Pepper Money
Pepper Money was founded in 2000 and raised its 1st funding round 14 years after it was founded.
Pepper Money is headquartered in Sydney, Australia. It is registered at Sydney, New South Wales, Australia.
Pepper Money has 795 employees.
Annual revenue of Pepper Money is $969.09M as on Dec 31, 2025.
Pepper Money, founded in 2000 in Sydney, Australia, focuses on innovating financial technology, alternative lending, online lenders, diversified, and marketplace. Online platform offering diversified loans. The company is dedicated to excellence, innovation, and customer satisfaction, ensuring sustainable practices and long-term success in its sectors.
Pepper Money's top competitors include Thorn Group, CoaXion and Export Finance.
Pepper Money offers Home Loans, Car Loans, Personal Loans, and Commercial Loans.
Yes, Pepper Money is publicly traded on ASX under the ticker symbol PPM.
Pepper Money operates through Pepper Money Limited.
The website of Pepper Money receives about 104 thousand visits a month and ranks #334,946 among all websites worldwide.