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$17.53 Billion). Check PPM cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Pepper Money Ltd Financial Flexibility Index (2014–2025)
Historical Financial Flexibility Index trend for Pepper Money Ltd across 12 annual periods. For the full cash flow conversion analysis, see PPM operating cash flow.
Annual Financial Flexibility Index for Pepper Money Ltd (2014–2025)
Year-by-year free cash flow to debt coverage for Pepper Money Ltd. Explore PPM operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.04x | AU$-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 | — |