Pepper Money Limited (FRA:X95)

Pepper Money Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb 13, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	630	545	370	334	397	607
Market Cap Growth	53.57%	47.62%	10.76%	-15.98%	-34.58%	-
PE Ratio	10.60	9.18	6.26	4.89	4.43	3.03
PS Ratio	2.80	2.42	1.60	1.30	1.39	2.30
PB Ratio	1.27	1.10	0.72	0.63	0.74	1.49
P/FCF Ratio	-	-	0.24	5.50	-	-
P/OCF Ratio	-	-	0.24	5.50	-	-
Debt / Equity Ratio	20.00	20.00	19.29	22.36	22.58	26.00
Debt / FCF Ratio	-	-	6.35	196.27	-	-
Net Debt / Equity Ratio	18.48	18.48	17.82	20.51	20.92	23.87
Net Debt / FCF Ratio	-22.49	-22.49	5.87	180.00	-7.66	-5.08
Quick Ratio	307.41	307.41	285.43	409.01	321.94	186.39
Current Ratio	307.41	307.41	285.43	409.01	321.94	186.39
Asset Turnover	0.02	0.02	0.02	0.02	0.02	0.02
Return on Equity (ROE)	12.12%	12.12%	11.43%	12.76%	19.02%	19.06%
Return on Assets (ROA)	0.58%	0.58%	0.52%	0.54%	0.76%	0.65%
Return on Invested Capital (ROIC)	0.59%	0.60%	0.57%	0.56%	0.77%	0.82%
Earnings Yield	9.44%	10.89%	15.98%	20.46%	22.58%	32.96%
FCF Yield	-	-74.45%	420.42%	18.17%	-368.05%	-315.01%
Dividend Yield	9.19%	6.84%	10.34%	8.90%	10.16%	6.29%
Payout Ratio	110.33%	110.33%	44.64%	34.15%	44.89%	-
Buyback Yield / Dilution	-0.39%	-0.39%	-0.94%	-1.70%	-23.25%	-44.42%
Total Shareholder Return	8.80%	6.44%	9.39%	7.21%	-13.10%	-38.14%

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