Pepper Money Ltd Cash Flow Quality Index
Pepper Money Ltd 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$57.60 Million, suggesting accrual-heavy earnings not yet converted to cash. See Pepper Money Ltd free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Pepper Money Ltd (2014–2025)
Cash flow quality index of Pepper Money Ltd from 2014 to 2025. Historical Cash Flow Quality Index for Pepper Money Ltd across 12 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore how well can Pepper Money Ltd service its debt to assess how comfortably operating cash covers total debt obligations.
Pepper Money Ltd Cash Flow Quality Index by Year (2014–2025)
Pepper Money Ltd cash flow quality index by year from 2014 to 2025. Year-by-year earnings quality comparison for Pepper Money Ltd. For the full cash flow conversion analysis, see cash flow conversion of Pepper Money Ltd.
| Year | Quality Index | Operating CF (AUD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -6.83x | AU$-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 | — |