{"ticker": {"uuid": "ed19ccd3-4bf5-4db6-939a-d794c814e4f0", "symbol": "PPM", "name": "Pepper Money Limited", "exchange": "ASX", "asset_type": "equity"}, "latest_week": "2026-06-12", "summary": "PPM closed the latest completed week at 1.61 AUD. The 4-week return is -2.7% and the 12-week return is -8.5%. Trend Signal is inactive, Market Dynamics is -1.44.", "description": "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 for residential home loans, small balance commercial real estate loans, and self-managed super fund mortgages. 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 asset finance and personal loans. It also offers auto and equipment finance, novated leases, and third-party loan services. The company was formerly known as Pepper Group Pty Limited. The company was incorporated in 2000 and is based in North Sydney, Australia. Pepper Money Limited is a subsidiary of Pepper Group Anz Holdco Limited.", "setup_signature": "Risk-first tape", "composite_score": "20", "kpis": [{"label": "Latest Close", "value": "1.61 AUD", "hint": "2026-06-12"}, {"label": "1W Return", "value": "-3.0%", "tone": "negative", "hint": "latest completed week"}, {"label": "4W Return", "value": "-2.7%", "tone": "negative", "hint": "short-term follow-through"}, {"label": "12W Return", "value": "-8.5%", "tone": "negative", "hint": "quarterly tape"}, {"label": "Trend Breadth", "value": "65.4%", "hint": "34 of 52 weeks active"}, {"label": "Volume Ratio", "value": "0.5x", "hint": "vs 13-week average"}], "classification": {"exchange": "ASX", "country": "AU", "sector": "Financial Services", "industry": "Credit Services", "currency": "AUD", "market_cap": "750.2M"}, "price": {"trend_line": "1.94 AUD", "fair_value": "1.41 AUD", "vs_trend": "-17.0%", "vs_fair_value": "14.4%", "high_52": "2.49 AUD", "low_52": "1.54 AUD", "drawdown": "-35.2%", "range_position": "7.4%"}, "momentum": {"returns": [{"label": "1W", "value": -3.003003003003006, "value_label": "-3.0%", "tone": "negative", "width": 8.580008580008588}, {"label": "4W", "value": -2.710843373493972, "value_label": "-2.7%", "tone": "negative", "width": 7.745266781411349}, {"label": "12W", "value": -8.498583569405096, "value_label": "-8.5%", "tone": "negative", "width": 24.281667341157416}, {"label": "26W", "value": -23.26919778540176, "value_label": "-23.3%", "tone": "negative", "width": 66.48342224400503}, {"label": "52W", "value": 3.786170926505251, "value_label": "3.8%", "tone": "positive", "width": 10.817631218586431}], "trend_streak": 0, "active_weeks": 34, "active_breadth": "65.4%", "peer": {"scope": "AU Financial Services", "count": 160, "rank": 129, "percentile": 19.496855345911946, "avg_weekly_return": 0.4072760571222265}}, "setup": {"scores": [{"label": "Trend", "value": 35.96153846153847, "value_label": "36", "width": 35.96153846153847, "tone": "neutral", "description": "Persistence of active Trend Signal over the last year and current streak."}, {"label": "Momentum", "value": 36.11633502849928, "value_label": "36", "width": 36.11633502849928, "tone": "neutral", "description": "Blend of 4-week and 12-week follow-through."}, {"label": "Dynamics", "value": 21.296200318060993, "value_label": "21", "width": 21.296200318060993, "tone": "negative", "description": "Latest Market Dynamics and whether pressure has improved over four weeks."}, {"label": "Relative Strength", "value": 0, "value_label": "0", "width": 4, "tone": "negative", "description": "Relative leadership and short-term RS change."}, {"label": "Volume", "value": 22.4725716607977, "value_label": "22", "width": 22.4725716607977, "tone": "negative", "description": "Participation compared with the 13-week volume baseline."}, {"label": "Risk Control", "value": 3.92632664141356, "value_label": "4", "width": 4, "tone": "negative", "description": "Drawdown and recent weekly volatility 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"twelve_week_return_label": "21.7%", "twelve_week_return_tone": "positive", "trend_active": false, "positive_md": true, "positive_rs": false}]}}, "dynamics": {"market_dynamics": "-1.44", "market_dynamics_tone": "negative", "md_4_change": "-34.7%", "relative_strength": "-17.11", "rs_4_change": "-34.2%", "expectation": "Undecided", "expectation_probability": "52.92%"}, "volume": {"latest": "1.2M", "average_13": "2.2M", "average_52": "1.8M", "ratio_13": "0.5x", "ratio_52": "0.7x"}, "risk": {"volatility_13": "4.7%", "volatility_52": "6.2%", "downside_weeks": 27, "upside_weeks": 23, "downside_breadth": "51.9%", "average_gain": "4.7%", "average_loss": "-3.5%"}, "signals": [{"label": "Trend Signal", "value": "Inactive", "tone": "negative"}, {"label": "Market Dynamics", "value": "No fresh buy", "tone": "neutral"}, {"label": "Price vs Trend", "value": "-17.0%", "tone": "negative"}, {"label": "Volume", "value": "0.5x", "tone": "neutral"}], "opportunities": ["Price is above Fair Value, showing premium demand versus the model."], "risks": ["Trend Signal is inactive, so price action has not confirmed a constructive regime.", "Price is below the Trend Line, which keeps downside pressure in focus.", "Market Dynamics is negative, which weakens the current setup.", "The share remains more than 20% below its 52-week high.", "Latest weekly return ranks in the weaker part of its sector group."], "watch_points": ["Trend Line remains the key weekly regime level.", "Market Dynamics is the pressure gauge to monitor for confirmation or fade.", "A volume ratio above 1.5x would show stronger participation in the next move."], "recent_rows": [{"week": "2026-06-12", "close": "1.61 AUD", "weekly_return": -3.003003003003006, "weekly_return_label": "-3.0%", "weekly_return_tone": "negative", "trend_line": "1.94 AUD", "fair_value": "1.41 AUD", "market_dynamics": "-1.44", "relative_strength": "-17.11", "volume": "1.2M", "trend_signal": "Off"}, {"week": "2026-06-05", "close": "1.67 AUD", 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