Pepper Money Limited (ASX:PPM)
Australia · Delayed Price · Currency is AUD 1.950
0.00 (0.00%)
Sep 4, 2026, 4:10 PM AEST
Pepper Money Cash Flow Statement
Financials in millions AUD. Fiscal year is January - December.
Millions AUD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 108 | 104.6 | 98.8 | 110.7 | 141 | 312.9 |
Depreciation & Amortization | 4.5 | 6.1 | 7.6 | 9.4 | 7.6 | 10.8 |
Other Amortization | 155.1 | 155.1 | 146.4 | 140.9 | 119.4 | 90.5 |
Loss (Gain) From Sale of Investments | 3.5 | 3.5 | 3.9 | - | - | - |
Asset Writedown & Restructuring Costs | - | - | 7.4 | - | - | - |
Provision for Credit Losses | 90.6 | 90.6 | 69.3 | 39.9 | 33.3 | 24.6 |
Change in Accounts Payable | 1.5 | 1.5 | -2.3 | -0.3 | 2.3 | -4 |
Change in Income Taxes | -10.8 | -10.8 | 4.2 | -19 | -14.5 | 1.4 |
Change in Other Net Operating Assets | -1,074 | -1,074 | 2,253 | -184.6 | -2,594 | -2,594 |
Other Operating Activities | -1,950 | 8.6 | 11.1 | 1.3 | 6.5 | -172 |
Operating Cash Flow | -2,671 | -714.8 | 2,599 | 98.3 | -2,298 | -2,991 |
Operating Cash Flow Growth | - | - | 2543.84% | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Acquisitions | - | - | -41.7 | - | -76.9 | - |
Divestitures | - | - | - | - | - | -219.5 |
Sale (Purchase) of Intangibles | -2.4 | -5.7 | -7.4 | -7.1 | -10.2 | -10.1 |
Investment in Securities | - | - | -0.2 | -0.4 | -0.5 | -4 |
Other Investing Activities | - | - | - | - | - | -32.8 |
Investing Cash Flow | -2.4 | -5.7 | -49.3 | -7.5 | -87.6 | -266.4 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 12,640 | 8,489 | 13,697 | 11,403 | 12,941 |
Long-Term Debt Repaid | - | -11,763 | -11,295 | -13,465 | -9,020 | -10,662 |
Lease Payments | -6.4 | -6.4 | -7.2 | -6.6 | -8.4 | -8.3 |
Net Debt Issued (Repaid) | 2,728 | 877.1 | -2,806 | 232.1 | 2,383 | 2,279 |
Issuance of Common Stock | - | - | - | - | - | 488.2 |
Repurchase of Common Stock | - | -0.4 | -2.5 | - | - | - |
Common Dividends Paid | -118.9 | -115.4 | -44.1 | -37.8 | -63.3 | - |
Other Financing Activities | - | - | - | - | - | 913 |
Financing Cash Flow | 2,609 | 761.3 | -2,852 | 194.3 | 2,320 | 3,681 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -64.5 | 40.8 | -302.5 | 285.1 | -65.6 | 423.7 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -2,671 | -714.8 | 2,599 | 98.3 | -2,298 | -2,991 |
Free Cash Flow Growth | - | - | 2543.84% | - | - | - |
Free Cash Flow Margin | -637.72% | -180.28% | 671.72% | 23.53% | -509.96% | -724.62% |
Free Cash Flow Per Share | -5.76 | -1.55 | 5.65 | 0.22 | -5.13 | -8.22 |
Free Cash Flow After Leases | -2,678 | -721.2 | 2,592 | 91.7 | -2,306 | -2,999 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 950.7 | 937.3 | 1,108 | 1,023 | 550.9 | 324.4 |
Cash Income Tax Paid | 59.2 | 59 | 43 | 59 | 72.5 | 55.8 |