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	Dec '25 Dec 3, 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	1,036	618	541	624	949	-	Upgrade
Market Cap Growth	78.25%	14.27%	-13.36%	-34.23%	-	-	Upgrade
PE Ratio	10.79	6.26	4.89	4.43	3.03	-	Upgrade
PS Ratio	2.67	1.60	1.30	1.39	2.30	-	Upgrade
PB Ratio	1.33	0.72	0.63	0.74	1.49	-	Upgrade
P/FCF Ratio	-	0.24	5.50	-	-	-	Upgrade
P/OCF Ratio	0.76	0.24	5.50	-	-	-	Upgrade
Debt / Equity Ratio	20.93	19.29	22.36	22.58	26.00	18.92	Upgrade
Debt / FCF Ratio	11.87	6.35	196.27	-	-	-	Upgrade
Quick Ratio	225.06	285.43	409.01	321.94	186.39	1.66	Upgrade
Current Ratio	225.06	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)	12.11%	11.43%	12.76%	19.02%	19.06%	12.86%	Upgrade
Return on Assets (ROA)	0.56%	0.52%	0.54%	0.76%	0.65%	0.44%	Upgrade
Earnings Yield	9.57%	15.98%	20.46%	22.58%	32.96%	-	Upgrade
FCF Yield	-	420.42%	18.17%	-368.05%	-315.01%	-	Upgrade
Dividend Yield	5.74%	10.01%	8.60%	9.78%	6.02%	-	Upgrade
Payout Ratio	54.09%	44.64%	34.15%	44.89%	-	-	Upgrade
Buyback Yield / Dilution	-0.34%	-0.94%	-1.70%	-23.25%	-44.42%	-10.66%	Upgrade
Total Shareholder Return	5.41%	9.06%	6.90%	-13.47%	-38.41%	-10.66%	Upgrade

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