Pepper Money Ltd (PPM) — Cash Flow Quality Index
Pepper Money Ltd (PPM) has a Cash Flow Quality Index of -15.25x as of December 2025. Operating cash flow of AU$-878.20 Million is below net income of AU$57.60 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore PPM cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Pepper Money Ltd Cash Flow Quality Index (2014–2025)
Historical Cash Flow Quality Index for Pepper Money Ltd across 12 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Pepper Money Ltd investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Pepper Money Ltd (2014–2025)
Year-by-year earnings quality comparison for Pepper Money Ltd. For live market cap and the full company financial profile, see Pepper Money Ltd market capitalisation.
| Year | Quality Index | Operating CF (AUD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -6.83x | AU$-714.80 Million | AU$104.60 Million | ▼ -126.0% |
| 2024 | 26.30x | AU$2.60 Billion | AU$98.80 Million | ▲ +2862.3% |
| 2023 | 0.89x | AU$98.30 Million | AU$110.70 Million | ▲ +105.4% |
| 2022 | -16.30x | AU$-2.30 Billion | AU$141.00 Million | ▲ +28.8% |
| 2021 | -22.88x | AU$-2.99 Billion | AU$130.70 Million | ▼ -69.6% |
| 2020 | -13.49x | AU$-1.35 Billion | AU$99.80 Million | ▲ +90.5% |
| 2019 | -141.93x | AU$-475.61 Million | AU$3.35 Million | ▼ -1093.0% |
| 2018 | 14.29x | AU$293.19 Million | AU$20.51 Million | ▲ +481.3% |
| 2017 | 2.46x | AU$101.86 Million | AU$41.43 Million | ▲ +0.7% |
| 2016 | 2.44x | AU$150.56 Million | AU$61.66 Million | ▼ -91.8% |
| 2015 | 29.95x | AU$103.54 Million | AU$3.46 Million | ▲ +2433.7% |
| 2014 | 1.18x | AU$45.04 Million | AU$38.10 Million | — |