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 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Mar '26 Mar 6, 2026	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	2020 - 2016
Market Capitalization	982	960	618	541	624	949	Upgrade
Market Cap Growth	53.99%	55.32%	14.27%	-13.36%	-34.23%	-	Upgrade
PE Ratio	9.77	9.18	6.26	4.89	4.43	3.03	Upgrade
PS Ratio	2.48	2.42	1.60	1.30	1.39	2.30	Upgrade
PB Ratio	1.13	1.10	0.72	0.63	0.74	1.49	Upgrade
P/FCF Ratio	-	-	0.24	5.50	-	-	Upgrade
P/OCF Ratio	-	-	0.24	5.50	-	-	Upgrade
Debt / Equity Ratio	20.00	20.00	19.29	22.36	22.58	26.00	Upgrade
Debt / FCF Ratio	-	-	6.35	196.27	-	-	Upgrade
Net Debt / Equity Ratio	18.48	18.48	17.82	20.51	20.92	23.87	Upgrade
Net Debt / FCF Ratio	-22.49	-22.49	5.87	180.00	-7.66	-5.08	Upgrade
Quick Ratio	307.41	307.41	285.43	409.01	321.94	186.39	Upgrade
Current Ratio	307.41	307.41	285.43	409.01	321.94	186.39	Upgrade
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02	Upgrade
Return on Equity (ROE)	12.12%	12.12%	11.43%	12.76%	19.02%	19.06%	Upgrade
Return on Assets (ROA)	0.58%	0.58%	0.52%	0.54%	0.76%	0.65%	Upgrade
Return on Invested Capital (ROIC)	0.59%	0.60%	0.57%	0.56%	0.77%	0.82%	Upgrade
Earnings Yield	10.65%	10.89%	15.98%	20.46%	22.58%	32.96%	Upgrade
FCF Yield	-	-74.45%	420.42%	18.17%	-368.05%	-315.01%	Upgrade
Dividend Yield	6.34%	6.57%	10.01%	8.60%	9.78%	6.02%	Upgrade
Payout Ratio	110.33%	110.33%	44.64%	34.15%	44.89%	-	Upgrade
Buyback Yield / Dilution	-0.39%	-0.39%	-0.94%	-1.70%	-23.25%	-44.42%	Upgrade
Total Shareholder Return	5.95%	6.18%	9.06%	6.90%	-13.47%	-38.41%	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.