Pepper Money Ltd Cash Flow-to-Debt Ratio
Pepper Money Ltd cash flow-to-debt ratio. Pepper Money Ltd (PPM) has a Cash Flow-to-Debt Ratio of -0.05x as of December 2025, meaning its operating cash flow of AU$-878.20 Million could theoretically repay 0% of its total liabilities (AU$17.53 Billion) in one year. Check PPM operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Pepper Money Ltd (2014–2025)
Cash flow-to-debt ratio of Pepper Money Ltd from 2014 to 2025. Historical debt coverage capacity for Pepper Money Ltd across 12 annual periods. Check Pepper Money Ltd (PPM) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Pepper Money Ltd Cash Flow-to-Debt Ratio by Year (2014–2025)
Pepper Money Ltd cash flow-to-debt ratio by year from 2014 to 2025. Year-by-year debt coverage analysis for Pepper Money Ltd. For the full cash flow conversion analysis, see how efficiently does Pepper Money Ltd generate cash.
| Year | CF-to-Debt Ratio | Operating CF (AUD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.04x | AU$-714.80 Million | AU$17.53 Billion | ▼ -126.1% |
| 2024 | 0.16x | AU$2.60 Billion | AU$16.62 Billion | ▲ +2977.9% |
| 2023 | 0.01x | AU$98.30 Million | AU$19.34 Billion | ▲ +104.2% |
| 2022 | -0.12x | AU$-2.30 Billion | AU$18.99 Billion | ▲ +33.1% |
| 2021 | -0.18x | AU$-2.99 Billion | AU$16.53 Billion | ▼ -85.9% |
| 2020 | -0.10x | AU$-1.35 Billion | AU$13.84 Billion | ▲ +89.3% |
| 2019 | -0.91x | AU$-475.61 Million | AU$523.81 Million | ▼ -5263.6% |
| 2018 | 0.02x | AU$293.19 Million | AU$16.67 Billion | ▲ +79.1% |
| 2017 | 0.01x | AU$101.86 Million | AU$10.38 Billion | ▼ -48.8% |
| 2016 | 0.02x | AU$150.56 Million | AU$7.86 Billion | ▲ +13.6% |
| 2015 | 0.02x | AU$103.54 Million | AU$6.14 Billion | ▲ +73.0% |
| 2014 | 0.01x | AU$45.04 Million | AU$4.62 Billion | — |