Pepper Money Balance Sheet

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

Millions AUD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 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
Cash & Equivalents	999.9	1,226	1,529	1,244	1,309	885.5
Long-Term Investments	1.6	-	0.2	0.2	0.3	2
Trading Asset Securities	15.6	36.3	71.4	153.2	46.4	18.7
Loans & Lease Receivables	15,893	15,992	18,379	18,328	15,820	13,311
Other Receivables	16.5	13.9	21.2	10.3	9.4	5.4
Property, Plant & Equipment	22.1	25.4	32	19	6.6	13.6
Goodwill	-	98.2	98.2	98.2	-	-
Other Intangible Assets	124.9	30.1	42.8	54.1	31.5	38.9
Other Current Assets	-	-	-	-	-	8,769
Long-Term Deferred Tax Assets	63.1	37.1	21.8	4	37.5	52.3
Other Long-Term Assets	10.8	13.4	12	9	7.5	4
Total Assets	17,147	17,472	20,208	19,919	17,268	23,100
Accounts Payable	14.7	16	17.1	13.4	11.2	15.2
Accrued Expenses	-	19.9	16.8	18.5	21.7	16.2
Short-Term Debt	54	10.3	4	3.3	17.5	86.7
Long-Term Debt	16,122	16,467	19,257	18,979	16,517	13,797
Long-Term Leases	84	28.2	32.6	16.5	8.7	18
Current Income Taxes Payable	6.5	12.5	9.5	24.5	39.2	37.8
Other Current Liabilities	-	1.8	1.5	1.6	2.6	8,390
Long-Term Deferred Tax Liabilities	-	-	-	10.1	-	-
Other Long-Term Liabilities	89.4	60.7	6.4	11	13.7	4.2
Total Liabilities	16,370	16,617	19,345	19,078	16,632	22,366
Common Stock	736.6	730.7	729.8	729.6	729.3	601.8
Retained Earnings	60.3	100.3	45.6	-27.5	-105.3	197.2
Comprehensive Income & Other	-19.9	24.6	50	99.8	12.4	-65.1
Total Common Equity	777	855.6	825.4	801.9	636.4	733.9
Minority Interest	-	-	37.4	39.4	-	1
Shareholders' Equity	777	855.6	862.8	841.3	636.4	734.9
Total Liabilities & Equity	17,147	17,472	20,208	19,919	17,268	23,100
Total Debt	16,260	16,506	19,294	18,999	16,543	13,902
Net Cash (Debt)	-15,244	-15,243	-17,694	-17,602	-15,188	-12,998
Net Cash Per Share	-33.01	-33.12	-38.80	-39.26	-41.75	-51.60
Filing Date Shares Outstanding	443.9	439.97	439.79	439.68	439.51	251.9
Total Common Shares Outstanding	443.9	440	439.8	439.7	439.51	251.9
Working Capital	16,850	17,208	19,952	19,674	17,093	14,443
Book Value Per Share	1.75	1.94	1.88	1.82	1.45	2.91
Tangible Book Value	652.1	727.3	684.4	649.6	604.9	695
Tangible Book Value Per Share	1.47	1.65	1.56	1.48	1.38	2.76

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