Pepper Money Cash Flow Statement

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
Net Income	104.6	98.8	110.7	141	312.9
Depreciation & Amortization	6.1	7.6	9.4	7.6	10.8
Other Amortization	155.1	146.4	140.9	119.4	90.5
Loss (Gain) From Sale of Investments	3.5	3.9	-	-	-
Asset Writedown & Restructuring Costs	-	7.4	-	-	-
Provision for Credit Losses	90.6	69.3	39.9	33.3	24.6
Change in Accounts Payable	1.5	-2.3	-0.3	2.3	-4
Change in Income Taxes	-10.8	4.2	-19	-14.5	1.4
Change in Other Net Operating Assets	-1,074	2,253	-184.6	-2,594	-2,594
Other Operating Activities	8.6	11.1	1.3	6.5	-172
Operating Cash Flow	-714.8	2,599	98.3	-2,298	-2,991
Operating Cash Flow Growth	-	2543.84%	-	-	-
Cash Acquisitions	-	-41.7	-	-76.9	-
Divestitures	-	-	-	-	-219.5
Sale (Purchase) of Intangibles	-5.7	-7.4	-7.1	-10.2	-10.1
Investment in Securities	-	-0.2	-0.4	-0.5	-4
Other Investing Activities	-	-	-	-	-32.8
Investing Cash Flow	-5.7	-49.3	-7.5	-87.6	-266.4
Long-Term Debt Issued	12,640	8,489	13,697	11,403	12,941
Long-Term Debt Repaid	-11,763	-11,295	-13,465	-9,020	-10,662
Net Debt Issued (Repaid)	877.1	-2,806	232.1	2,383	2,279
Issuance of Common Stock	-	-	-	-	488.2
Repurchase of Common Stock	-0.4	-2.5	-	-	-
Common Dividends Paid	-115.4	-44.1	-37.8	-63.3	-
Other Financing Activities	-	-	-	-	913
Financing Cash Flow	761.3	-2,852	194.3	2,320	3,681
Net Cash Flow	40.8	-302.5	285.1	-65.6	423.7
Free Cash Flow	-714.8	2,599	98.3	-2,298	-2,991
Free Cash Flow Growth	-	2543.84%	-	-	-
Free Cash Flow Margin	-180.28%	671.72%	23.53%	-509.96%	-724.62%
Free Cash Flow Per Share	-1.55	5.65	0.22	-5.13	-8.22
Cash Interest Paid	937.3	1,108	1,023	550.9	324.4
Cash Income Tax Paid	59	43	59	72.5	55.8

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