Pepper Money Ratios and Metrics

Market cap in millions AUD. Fiscal year is January - December.

Millions AUD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 7, 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
Market Capitalization	793	960	618	541	624	949
Market Cap Growth	31.30%	55.32%	14.27%	-13.36%	-34.23%	-
PE Ratio	7.80	9.18	6.26	4.89	4.43	3.03
PS Ratio	2.00	2.42	1.60	1.30	1.39	2.30
PB Ratio	0.91	1.10	0.72	0.63	0.74	1.49
P/FCF Ratio	-	-	0.24	5.50	-	-
P/OCF Ratio	-	-	0.24	5.50	-	-
Debt / Equity Ratio	20.00	20.00	19.29	22.36	22.58	26.00
Debt / FCF Ratio	-	-	6.35	196.27	-	-
Net Debt / Equity Ratio	18.48	18.48	17.82	20.51	20.92	23.87
Net Debt / FCF Ratio	-22.49	-22.49	5.87	180.00	-7.66	-5.08
Quick Ratio	307.41	307.41	285.43	409.01	321.94	186.39
Current Ratio	307.41	307.41	285.43	409.01	321.94	186.39
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02
Return on Equity (ROE)	12.12%	12.12%	11.43%	12.76%	19.02%	19.06%
Return on Assets (ROA)	0.58%	0.58%	0.52%	0.54%	0.76%	0.65%
Return on Invested Capital (ROIC)	0.59%	0.60%	0.57%	0.56%	0.77%	0.82%
Earnings Yield	13.19%	10.89%	15.98%	20.46%	22.58%	32.96%
FCF Yield	-	-74.45%	420.42%	18.17%	-368.05%	-315.01%
Dividend Yield	8.26%	6.81%	10.36%	8.91%	10.13%	6.23%
Payout Ratio	110.33%	110.33%	44.64%	34.15%	44.89%	-
Buyback Yield / Dilution	-0.39%	-0.39%	-0.94%	-1.70%	-23.25%	-44.42%
Total Shareholder Return	7.86%	6.42%	9.42%	7.21%	-13.12%	-38.19%

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