Pepper Money Ltd (PPM) — Cash Flow Quality Index
Latest as of December 2025:
-15.25x
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$57.60 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of Pepper Money Ltd to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-15.25x
Operating CF / Net Income
Operating Cash Flow
AU$-878.20 Million
AUD
Net Income
AU$57.60 Million
AUD
Data as of
Dec 2025
Most recent filing
Pepper Money Ltd Cash Flow Quality Index (2014–2025)
Historical Cash Flow Quality Index for Pepper Money Ltd across 12 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see PPM cash flow conversion.
Annual Cash Flow Quality Index for Pepper Money Ltd (2014–2025)
Year-by-year earnings quality comparison for Pepper Money Ltd.
| Year | Quality Index | Operating CF (AUD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -6.83x | AU$-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 | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.