Pepper Money Ltd Cash Flow Conversion Efficiency

Latest as of December 2025: -1.010x

Pepper Money Ltd cash flow conversion efficiency. 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.

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

Cash flow conversion efficiency of Pepper Money Ltd from 2014 to 2025. This chart illustrates how Pepper Money Ltd's cash flow conversion efficiency has evolved over time, based on yearly financial data. View Pepper Money Ltd stock price for real-time trading data and today's change.

Pepper Money Ltd Cash Flow Conversion Ratio Explained

Pepper Money Ltd cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.

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. Also see Pepper Money Ltd stock valuation for the company's overall valuation and market capitalisation.

Company	Cash Flow Conversion Efficiency
Beijing Bayi Space LCD Technology Co Ltd SHG:688181	0.057x
Baotou Huazi Industry Co Ltd SHG:600191	0.016x
Korea District Heating Corp KO:071320	0.126x
TELUS International TO:TIXT	0.078x
Skandinaviska Enskilda Banken AB (publ) ST:SEB-C	1.189x
Ningbo MedicalSystem Biotechnology Co Ltd SHE:300439	0.017x
Amos Luzon Development and Energy Group Ltd TA:LUZN	-0.013x
Qingdao Liqun Department Store Group Co Ltd SHG:601366	0.146x

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. Review cash generation quality of Pepper Money Ltd to assess how much free cash flow the company generates relative to operating cash flow.

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

$556.28 Million

AU$786.20 Million AUD

Market Cap Rank

#11323 Global

#288 in Australia

Share Price

AU$1.75

Change (1 day)

+1.45%

52-Week Range

AU$1.51 - AU$2.49

All Time High

AU$2.49