Pepper Money Balance Sheet

Financials in millions AUD. Fiscal year is January - December.

Millions AUD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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 & Equivalents	1,267	1,226	1,529	1,244	1,309
Long-Term Investments	3.4	-	0.2	0.2	0.3
Trading Asset Securities	52.5	36.3	71.4	153.2	46.4
Loans & Lease Receivables	16,854	15,992	18,379	18,328	15,820
Other Receivables	25.2	13.9	21.2	10.3	9.4
Property, Plant & Equipment	18.9	25.4	32	19	6.6
Goodwill	98.2	98.2	98.2	98.2	-
Other Intangible Assets	23.3	30.1	42.8	54.1	31.5
Long-Term Deferred Tax Assets	46.9	37.1	21.8	4	37.5
Other Long-Term Assets	10.3	13.4	12	9	7.5
Total Assets	18,400	17,472	20,208	19,919	17,268
Accounts Payable	17.4	16	17.1	13.4	11.2
Accrued Expenses	23.9	19.9	16.8	18.5	21.7
Short-Term Debt	2.8	10.3	4	3.3	17.5
Long-Term Debt	17,372	16,467	19,257	18,979	16,517
Long-Term Leases	21.4	28.2	32.6	16.5	8.7
Current Income Taxes Payable	13.2	12.5	9.5	24.5	39.2
Other Current Liabilities	1.9	1.8	1.5	1.6	2.6
Long-Term Deferred Tax Liabilities	-	-	-	10.1	-
Other Long-Term Liabilities	76.8	60.7	6.4	11	13.7
Total Liabilities	17,530	16,617	19,345	19,078	16,632
Common Stock	738	730.7	729.8	729.6	729.3
Retained Earnings	89.5	100.3	45.6	-27.5	-105.3
Comprehensive Income & Other	42.4	24.6	50	99.8	12.4
Total Common Equity	869.9	855.6	825.4	801.9	636.4
Minority Interest	-	-	37.4	39.4	-
Shareholders' Equity	869.9	855.6	862.8	841.3	636.4
Total Liabilities & Equity	18,400	17,472	20,208	19,919	17,268
Total Debt	17,397	16,506	19,294	18,999	16,543
Net Cash (Debt)	-16,077	-15,243	-17,694	-17,602	-15,188
Net Cash Per Share	-34.79	-33.12	-38.80	-39.26	-41.75
Filing Date Shares Outstanding	444.51	439.97	439.79	439.68	439.51
Total Common Shares Outstanding	444.5	440	439.8	439.7	439.51
Working Capital	18,140	17,208	19,952	19,674	17,093
Book Value Per Share	1.96	1.94	1.88	1.82	1.45
Tangible Book Value	748.4	727.3	684.4	649.6	604.9
Tangible Book Value Per Share	1.68	1.65	1.56	1.48	1.38

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