Pepper Money Cash Flow Statement

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
Net Income	99.1	98.8	110.7	141	312.9	-29.6
Depreciation & Amortization	6.9	7.6	9.4	7.6	10.8	13.3
Other Amortization	146.4	146.4	140.9	119.4	90.5	75.6
Loss (Gain) From Sale of Investments	3.9	3.9	-	-	-	-
Asset Writedown & Restructuring Costs	7.4	7.4	-	-	-	-
Provision for Credit Losses	69.3	69.3	39.9	33.3	24.6	56.7
Change in Accounts Payable	-2.3	-2.3	-0.3	2.3	-4	7
Change in Income Taxes	4.2	4.2	-19	-14.5	1.4	7
Change in Other Net Operating Assets	2,253	2,253	-184.6	-2,594	-2,594	-320.8
Other Operating Activities	-1,218	11.1	1.3	6.5	-172	124.7
Operating Cash Flow	1,370	2,599	98.3	-2,298	-2,991	-1,347
Operating Cash Flow Growth	11.27%	2543.84%	-	-	-	-
Cash Acquisitions	0.2	-41.7	-	-76.9	-	-
Divestitures	-	-	-	-	-219.5	46.3
Sale (Purchase) of Intangibles	-7.9	-7.4	-7.1	-10.2	-10.1	-11.9
Investment in Securities	3.2	-0.2	-0.4	-0.5	-4	-3.9
Other Investing Activities	-	-	-	-	-32.8	-79.2
Investing Cash Flow	-4.5	-49.3	-7.5	-87.6	-266.4	-48.7
Long-Term Debt Issued	-	8,489	13,697	11,403	12,941	8,819
Long-Term Debt Repaid	-	-11,295	-13,465	-9,020	-10,662	-8,556
Net Debt Issued (Repaid)	-1,415	-2,806	232.1	2,383	2,279	262.6
Issuance of Common Stock	-	-	-	-	488.2	-
Repurchase of Common Stock	-2.9	-2.5	-	-	-	-
Common Dividends Paid	-53.6	-44.1	-37.8	-63.3	-	-
Other Financing Activities	-	-	-	-	913	1,293
Financing Cash Flow	-1,472	-2,852	194.3	2,320	3,681	1,556
Net Cash Flow	-106.4	-302.5	285.1	-65.6	423.7	160.2
Free Cash Flow	1,370	2,599	98.3	-2,298	-2,991	-1,347
Free Cash Flow Growth	11.07%	2543.84%	-	-	-	-
Free Cash Flow Margin	352.81%	671.72%	23.53%	-509.96%	-724.62%	-385.29%
Free Cash Flow Per Share	2.97	5.65	0.22	-5.13	-8.22	-5.35
Cash Interest Paid	1,011	1,108	1,023	550.9	324.4	573.5
Cash Income Tax Paid	53.8	43	59	72.5	55.8	-5.4

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