Pepper Money Ltd (PPM) — 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$17.53 Billion). Check PPM capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Pepper Money Ltd Financial Flexibility Index (2014–2025)
Historical Financial Flexibility Index trend for Pepper Money Ltd across 12 annual periods. See working capital position of Pepper Money Ltd to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Pepper Money Ltd (2014–2025)
Year-by-year free cash flow to debt coverage for Pepper Money Ltd. For the full company profile including market capitalisation, see Pepper Money Ltd stock valuation.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.04x | AU$-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 | — |