Pepper Money Ltd (PPM) - Cash Flow Conversion Efficiency

Latest as of December 2025: -1.010x

Based on the latest financial reports, Pepper Money Ltd (PPM) has a cash flow conversion efficiency ratio of -1.010x as of December 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (AU$-878.20 Million ≈ $-621.38 Million USD) by net assets (AU$869.90 Million ≈ $615.51 Million USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See PPM defensive interval ratio to measure how many days the company can operate on defensive assets alone.

Pepper Money Ltd - Cash Flow Conversion Efficiency Trend (2014–2025)

This chart illustrates how Pepper Money Ltd's cash flow conversion efficiency has evolved over time, based on yearly financial data.

Pepper Money Ltd Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of Pepper Money Ltd ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
Itcen Co. Ltd KQ:124500	0.210x
Aju IB Investment Co. Ltd KQ:027360	0.013x
BETTERWARE DE MEXICO SAPI F:BM0	0.248x
HAIT.UT.INT.FIN.L. H YC 1 F:HA6	N/A
Compania General de Electricidad SA SN:CGE	-0.004x
Anglo American PLC LSE:AAL	0.107x
London Stock Exchange Group PLC LSE:LSEG	0.064x
AUPU Home Style Corp Ltd SHG:603551	0.023x

Annual Cash Flow Conversion Efficiency for Pepper Money Ltd (2014–2025)

The table below shows the annual cash flow conversion efficiency of Pepper Money Ltd from 2014 to 2025. For the full company profile with market capitalisation and key ratios, see PPM company net worth.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-12-31	AU$869.90 Million ≈ $615.51 Million	AU$-714.80 Million ≈ $-505.77 Million	-0.822x	-127.05%
2024-12-31	AU$855.60 Million ≈ $605.39 Million	AU$2.60 Billion ≈ $1.84 Billion	3.038x	+2566.09%
2023-12-31	AU$862.80 Million ≈ $610.49 Million	AU$98.30 Million ≈ $69.55 Million	0.114x	+104.60%
2022-12-31	AU$926.80 Million ≈ $655.77 Million	AU$-2.30 Billion ≈ $-1.63 Billion	-2.479x	+38.66%
2021-12-31	AU$739.80 Million ≈ $523.46 Million	AU$-2.99 Billion ≈ $-2.12 Billion	-4.042x	-50.06%
2020-12-31	AU$499.90 Million ≈ $353.71 Million	AU$-1.35 Billion ≈ $-952.81 Million	-2.694x	+84.14%
2019-12-31	AU$28.01 Million ≈ $19.82 Million	AU$-475.61 Million ≈ $-336.52 Million	-16.983x	-3247.98%
2018-12-31	AU$543.46 Million ≈ $384.53 Million	AU$293.19 Million ≈ $207.45 Million	0.539x	+165.83%
2017-12-31	AU$501.91 Million ≈ $355.13 Million	AU$101.86 Million ≈ $72.07 Million	0.203x	-38.78%
2016-12-31	AU$454.21 Million ≈ $321.38 Million	AU$150.56 Million ≈ $106.53 Million	0.331x	+30.82%
2015-12-31	AU$408.62 Million ≈ $289.12 Million	AU$103.54 Million ≈ $73.26 Million	0.253x	+39.24%
2014-12-31	AU$247.51 Million ≈ $175.13 Million	AU$45.04 Million ≈ $31.87 Million	0.182x	--

About Pepper Money Ltd

AU:PPM Australia Credit Services

Market Cap

$521.27 Million

AU$736.72 Million AUD

Market Cap Rank

#12154 Global

#313 in Australia

Share Price

AU$1.64

Change (1 day)

-0.61%

52-Week Range

AU$1.62 - AU$2.49

All Time High

AU$2.49