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
Period Ending	Feb '26 Feb 4, 2026	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
Market Capitalization	769	618	541	624	949	-
Market Cap Growth	22.66%	14.27%	-13.36%	-34.23%	-	-
PE Ratio	8.01	6.26	4.89	4.43	3.03	-
PS Ratio	1.98	1.60	1.30	1.39	2.30	-
PB Ratio	0.99	0.72	0.63	0.74	1.49	-
P/FCF Ratio	-	0.24	5.50	-	-	-
P/OCF Ratio	0.56	0.24	5.50	-	-	-
Debt / Equity Ratio	20.93	19.29	22.36	22.58	26.00	18.92
Debt / FCF Ratio	11.87	6.35	196.27	-	-	-
Quick Ratio	225.06	285.43	409.01	321.94	186.39	1.66
Current Ratio	225.06	285.43	409.01	321.94	186.39	2.69
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02
Return on Equity (ROE)	12.11%	11.43%	12.76%	19.02%	19.06%	12.86%
Return on Assets (ROA)	0.56%	0.52%	0.54%	0.76%	0.65%	0.44%
Return on Invested Capital (ROIC)	0.63%	0.57%	0.56%	0.77%	0.82%	0.62%
Earnings Yield	12.89%	15.98%	20.46%	22.58%	32.96%	-
FCF Yield	-	420.42%	18.17%	-368.05%	-315.01%	-
Dividend Yield	7.42%	10.01%	8.60%	9.78%	6.02%	-
Payout Ratio	54.09%	44.64%	34.15%	44.89%	-	-
Buyback Yield / Dilution	-0.34%	-0.94%	-1.70%	-23.25%	-44.42%	-10.66%
Total Shareholder Return	6.60%	9.06%	6.90%	-13.47%	-38.41%	-10.66%

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