Pepper Money Limited (FRA:X95)

Pepper Money Statistics

Total Valuation

Pepper Money has a market cap or net worth of EUR 629.60 million.

Market Cap	629.60M
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, February 18, 2026.

Earnings Date	Feb 18, 2026
Ex-Dividend Date	Sep 11, 2025

Share Statistics

Current Share Class	444.51M
Shares Outstanding	n/a
Shares Change (YoY)	+0.39%
Shares Change (QoQ)	-0.13%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	156.90M

Valuation Ratios

The trailing PE ratio is 10.60 and the forward PE ratio is 9.86.

PE Ratio	10.60
Forward PE	9.86
PS Ratio	2.80
PB Ratio	1.27
P/TBV Ratio	1.48
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 307.41, with a Debt / Equity ratio of 20.00.

Current Ratio	307.41
Quick Ratio	307.41
Debt / Equity	20.00
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.12% and return on invested capital (ROIC) is 0.59%.

Return on Equity (ROE)	12.12%
Return on Assets (ROA)	0.58%
Return on Invested Capital (ROIC)	0.59%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	297,167
Profits Per Employee	78,395
Employee Count	758
Asset Turnover	0.02
Inventory Turnover	n/a

Taxes

In the past 12 months, Pepper Money has paid 23.80 million in taxes.

Income Tax	23.80M
Effective Tax Rate	28.60%

Stock Price Statistics

The stock price has increased by +78.02% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+78.02%
50-Day Moving Average	1.22
200-Day Moving Average	1.08
Relative Strength Index (RSI)	74.77
Average Volume (20 Days)	21

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Pepper Money had revenue of EUR 225.25 million and earned 59.42 million in profits. Earnings per share was 0.13.

Revenue	225.25M
Gross Profit	210.31M
Operating Income	85.22M
Pretax Income	83.23M
Net Income	59.42M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.13

Balance Sheet

The company has 749.61 million in cash and 9.88 billion in debt, with a net cash position of -9.13 billion.

Cash & Cash Equivalents	749.61M
Total Debt	9.88B
Net Cash	-9.13B
Net Cash Per Share	n/a
Equity (Book Value)	494.19M
Book Value Per Share	1.11
Working Capital	10.31B

Cash Flow

Operating Cash Flow	-406.08M
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 93.37%, with operating and profit margins of 37.83% and 26.38%.

Gross Margin	93.37%
Operating Margin	37.83%
Pretax Margin	36.95%
Profit Margin	26.38%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.15, which amounts to a dividend yield of 9.19%.

Dividend Per Share	0.15
Dividend Yield	9.19%
Dividend Growth (YoY)	146.59%
Years of Dividend Growth	2
Payout Ratio	110.33%
Buyback Yield	-0.39%
Shareholder Yield	8.80%
Earnings Yield	9.44%
FCF Yield	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4