Pepper Money Limited (ASX: PPM)

Pepper Money Balance Sheet

Financials in millions AUD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	1,106	1,529	1,244	1,309	885.5	1,808
Long-Term Investments	3.3	0.2	0.2	0.3	2	135.1
Trading Asset Securities	81.1	71.4	153.2	46.4	18.7	112.99
Loans & Lease Receivables	17,121	18,379	18,328	15,820	13,311	19,558
Other Receivables	15.7	21.2	10.3	9.4	5.4	102.11
Property, Plant & Equipment	28.4	32	19	6.6	13.6	118.43
Goodwill	98.2	98.2	98.2	-	-	60.32
Other Intangible Assets	39.6	42.8	54.1	31.5	38.9	76.75
Other Current Assets	-	-	-	-	8,769	-
Long-Term Deferred Tax Assets	15.6	21.8	4	37.5	52.3	47.29
Other Long-Term Assets	5.9	12	9	7.5	4	43.64
Total Assets	18,515	20,208	19,919	17,268	23,100	22,062
Interest Bearing Deposits	-	-	-	-	-	3,523
Non-Interest Bearing Deposits	-	-	-	-	-	141.38
Total Deposits	-	-	-	-	-	3,664
Accounts Payable	12	17.1	13.4	11.2	15.2	76.65
Accrued Expenses	-	16.8	18.5	21.7	16.2	56.8
Short-Term Debt	1.7	4	3.3	17.5	86.7	68.19
Current Portion of Leases	-	-	-	-	-	18.17
Long-Term Debt	17,511	19,257	18,979	16,517	13,797	17,068
Long-Term Leases	-	32.6	16.5	8.7	18	42.77
Current Income Taxes Payable	4.3	9.5	24.5	39.2	37.8	3.46
Other Current Liabilities	-	1.5	1.6	2.6	8,390	154.29
Long-Term Deferred Tax Liabilities	-	-	10.1	-	-	6.95
Other Long-Term Liabilities	126.1	6.4	11	13.7	4.2	92.01
Total Liabilities	17,655	19,345	19,078	16,632	22,366	21,251
Common Stock	732.7	729.8	729.6	729.3	601.8	601.77
Retained Earnings	70.3	45.6	-27.5	-105.3	197.2	226.09
Comprehensive Income & Other	56.4	50	99.8	12.4	-65.1	-18.05
Total Common Equity	859.4	825.4	801.9	636.4	733.9	809.81
Minority Interest	-	37.4	39.4	-	1	1.1
Shareholders' Equity	859.4	862.8	841.3	636.4	734.9	810.91
Total Liabilities & Equity	18,515	20,208	19,919	17,268	23,100	22,062
Total Debt	17,513	19,294	18,999	16,543	13,902	17,197
Net Cash (Debt)	-16,325	-17,694	-17,602	-15,188	-12,998	-15,276
Net Cash Per Share	-35.47	-38.80	-39.26	-41.75	-51.60	-67.11
Filing Date Shares Outstanding	441.6	439.79	439.68	439.51	251.9	227.63
Total Common Shares Outstanding	441.6	439.8	439.7	439.51	251.9	227.63
Working Capital	18,306	19,952	19,674	17,093	14,443	17,539
Book Value Per Share	1.95	1.88	1.82	1.45	2.91	3.56
Tangible Book Value	721.6	684.4	649.6	604.9	695	674.71
Tangible Book Value Per Share	1.63	1.56	1.48	1.38	2.76	2.96

Source: S&P Capital IQ. Financial Services template. Financial Sources.