Pepper Money Ltd Financial Flexibility Index
Pepper Money Ltd financial flexibility index. Pepper Money Ltd (PPM) has a Financial Flexibility Index of -0.05x as of December 2025. Free cash flow of AU$-874.60 Million (operating CF AU$-878.20 Million minus capex AU$3.60 Million) represents 0% of total liabilities (AU$17.53 Billion). See free cash flow generation of Pepper Money Ltd to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Pepper Money Ltd (2014–2025)
Financial flexibility index of Pepper Money Ltd from 2014 to 2025. Historical Financial Flexibility Index trend for Pepper Money Ltd across 12 annual periods. Check PPM cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
Pepper Money Ltd Financial Flexibility Index by Year (2014–2025)
Pepper Money Ltd financial flexibility index by year from 2014 to 2025. Year-by-year free cash flow to debt coverage for Pepper Money Ltd. For the full cash flow conversion analysis, see PPM operating cash flow.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.04x | AU$-709.10 Million | AU$-714.80 Million | AU$17.53 Billion | ▼ -125.8% |
| 2024 | 0.16x | AU$2.61 Billion | AU$2.60 Billion | AU$16.62 Billion | ▲ +2778.7% |
| 2023 | 0.01x | AU$105.40 Million | AU$98.30 Million | AU$19.34 Billion | ▲ +104.5% |
| 2022 | -0.12x | AU$-2.29 Billion | AU$-2.30 Billion | AU$18.99 Billion | ▲ +33.2% |
| 2021 | -0.18x | AU$-2.98 Billion | AU$-2.99 Billion | AU$16.53 Billion | ▼ -86.9% |
| 2020 | -0.10x | AU$-1.33 Billion | AU$-1.35 Billion | AU$13.84 Billion | ▲ +87.8% |
| 2019 | -0.79x | AU$-415.15 Million | AU$-475.61 Million | AU$523.81 Million | ▼ -4123.5% |
| 2018 | 0.02x | AU$328.43 Million | AU$293.19 Million | AU$16.67 Billion | ▲ +66.2% |
| 2017 | 0.01x | AU$122.95 Million | AU$101.86 Million | AU$10.38 Billion | ▼ -39.5% |
| 2016 | 0.02x | AU$153.92 Million | AU$150.56 Million | AU$7.86 Billion | ▲ +8.9% |
| 2015 | 0.02x | AU$110.42 Million | AU$103.54 Million | AU$6.14 Billion | ▲ +63.9% |
| 2014 | 0.01x | AU$50.71 Million | AU$45.04 Million | AU$4.62 Billion | — |