Pepper Money Ltd (PPM) — 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$17.53 Billion) in one year. See PPM FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Pepper Money Ltd Cash Flow-to-Debt Ratio (2014–2025)
Historical debt coverage capacity for Pepper Money Ltd across 12 annual periods. For the full cash flow conversion analysis, see cash flow conversion of Pepper Money Ltd.
Annual Cash Flow-to-Debt Ratio for Pepper Money Ltd (2014–2025)
Year-by-year debt coverage analysis for Pepper Money Ltd. Check earnings quality score of Pepper Money Ltd to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (AUD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.04x | AU$-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 | — |