Pepper Money Limited (ASX:PPM)

Pepper Money Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,226	1,529	1,244	1,309	885.5
Long-Term Investments	-	0.2	0.2	0.3	2
Trading Asset Securities	36.3	71.4	153.2	46.4	18.7
Loans & Lease Receivables	15,992	18,379	18,328	15,820	13,311
Other Receivables	13.9	21.2	10.3	9.4	5.4
Property, Plant & Equipment	25.4	32	19	6.6	13.6
Goodwill	98.2	98.2	98.2	-	-
Other Intangible Assets	30.1	42.8	54.1	31.5	38.9
Other Current Assets	-	-	-	-	8,769
Long-Term Deferred Tax Assets	37.1	21.8	4	37.5	52.3
Other Long-Term Assets	13.4	12	9	7.5	4
Total Assets	17,472	20,208	19,919	17,268	23,100
Accounts Payable	16	17.1	13.4	11.2	15.2
Accrued Expenses	19.9	16.8	18.5	21.7	16.2
Short-Term Debt	10.3	4	3.3	17.5	86.7
Long-Term Debt	16,467	19,257	18,979	16,517	13,797
Long-Term Leases	28.2	32.6	16.5	8.7	18
Current Income Taxes Payable	12.5	9.5	24.5	39.2	37.8
Other Current Liabilities	1.8	1.5	1.6	2.6	8,390
Long-Term Deferred Tax Liabilities	-	-	10.1	-	-
Other Long-Term Liabilities	60.7	6.4	11	13.7	4.2
Total Liabilities	16,617	19,345	19,078	16,632	22,366
Common Stock	730.7	729.8	729.6	729.3	601.8
Retained Earnings	100.3	45.6	-27.5	-105.3	197.2
Comprehensive Income & Other	24.6	50	99.8	12.4	-65.1
Total Common Equity	855.6	825.4	801.9	636.4	733.9
Minority Interest	-	37.4	39.4	-	1
Shareholders' Equity	855.6	862.8	841.3	636.4	734.9
Total Liabilities & Equity	17,472	20,208	19,919	17,268	23,100
Total Debt	16,506	19,294	18,999	16,543	13,902
Net Cash (Debt)	-15,243	-17,694	-17,602	-15,188	-12,998
Net Cash Per Share	-33.12	-38.80	-39.26	-41.75	-51.60
Filing Date Shares Outstanding	439.97	439.79	439.68	439.51	251.9
Total Common Shares Outstanding	440	439.8	439.7	439.51	251.9
Working Capital	17,208	19,952	19,674	17,093	14,443
Book Value Per Share	1.94	1.88	1.82	1.45	2.91
Tangible Book Value	727.3	684.4	649.6	604.9	695
Tangible Book Value Per Share	1.65	1.56	1.48	1.38	2.76

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.