Peppermint Innovation Limited engages in the development and commercialization of mobile banking, payment, and remittance platform primarily in the Philippines. It operates Peppermint Platform, a white label mobile app banking platform and mobile app micro enterprise platform that offers payments, remittance, delivery and logistics, ecommerce, and financial services. The company was incorporated in 2007 and is headquartered in Perth, Australia.

Peppermint Innovation Limited

xpate provides financial solutions for online businesses, including payment processing and business accounts. Self-described as an efficient platform for managing payments and cash flow.

xpate

Peppermint Innovation is a FinTech company focused on the commercialization of the Peppermint Platform, a proprietary technology platform targeting mobile payments, eCommerce, delivery and logistics, and mobile financial services.

Metric
Company Name	Peppermint Innovation Limited	xpate
Symbol	PIL
MSH ID	AU:COM:PEPLTD	COM:XPATE
Market	STOCKS	PRIVATE
Sector	Technology	Financial Services & Finance
Industry	Software - Infrastructure	Fintech
Country	AU	GB
Stage
Employee Count
Website	pepltd.com.au	xpate.com
LinkedIn
Founders

Metric
Market Cap	18.98M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	557.29K
Revenue (LTM)
Revenue (NTM)
Gross Profit	-128.35K
EBITDA	-2.62M
Operating Income	-2.63M
Net Income	-2.48M
EPS	-0.00
Diluted EPS	-0.00
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.54
Operating Profit Margin	-4.72
EBITDA Margin	-4.69
Net Profit Margin	-4.44
Return on Equity	-1.50
Return on Assets	-1.27
Return on Capital Employed	-2.64

PIL

AU:COM:PEPLTD

Peppermint Innovation

Last Close

0.01

25/11 05:10

Market Cap

29.70M

Beta: -

Volume Today

3.50M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	-13.39
P/B Ratio	11.36
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	123.03
EV Multiple	-3.47

Metric
Days Sales Outstanding	278.30
Days Payables Outstanding	462.49
Days Inventory Outstanding	0.00
Operating Cycle	339.22
Cash Conversion Cycle	-503.05
Asset Turnover	0.55

Metric
Operating Cash Flow	-1.98M
Free Cash Flow	-1.98M
Cash Flow to Debt
Operating Cash Flow/Sales	-3.55
Free Cash Flow Yield	-0.09

Metric
Cash & Equivalents	783.27K
Accounts Receivable	47.33K
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio	5.99
Quick Ratio	1.94

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	-0.27
R&D to Revenue
SG&A to Revenue	6.40