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 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Jul '25 Jul 10, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Market Capitalization	823	618	541	624	949	-	Upgrade
Market Cap Growth	14.27%	14.27%	-13.36%	-34.23%	-	-	Upgrade
PE Ratio	8.64	6.26	4.89	4.43	3.03	-	Upgrade
PS Ratio	2.13	1.60	1.30	1.39	2.30	-	Upgrade
PB Ratio	0.96	0.72	0.63	0.74	1.49	-	Upgrade
P/FCF Ratio	-	0.24	5.50	-	-	-	Upgrade
P/OCF Ratio	0.32	0.24	5.50	-	-	-	Upgrade
Debt / Equity Ratio	19.29	19.29	22.36	22.58	26.00	18.92	Upgrade
Debt / FCF Ratio	6.35	6.35	196.27	-	-	-	Upgrade
Quick Ratio	285.43	285.43	409.01	321.94	186.39	1.66	Upgrade
Current Ratio	285.43	285.43	409.01	321.94	186.39	2.69	Upgrade
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02	Upgrade
Return on Equity (ROE)	11.43%	11.43%	12.76%	19.02%	19.06%	12.86%	Upgrade
Return on Assets (ROA)	0.52%	0.52%	0.54%	0.76%	0.65%	0.44%	Upgrade
Earnings Yield	12.00%	15.98%	20.46%	22.58%	32.96%	-	Upgrade
Earnings Yield	12.00%	15.98%	20.46%	22.58%	32.96%	-	Upgrade
FCF Yield	-	420.42%	18.17%	-368.05%	-315.01%	-	Upgrade
Dividend Yield	7.65%	9.71%	8.35%	9.50%	5.84%	-	Upgrade
Payout Ratio	44.64%	44.64%	34.15%	44.89%	-	-	Upgrade
Buyback Yield / Dilution	-0.94%	-0.94%	-1.70%	-23.25%	-44.42%	-10.66%	Upgrade
Total Shareholder Return	6.71%	8.77%	6.65%	-13.76%	-38.58%	-10.66%	Upgrade

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