Pepper Money Limited (FRA:X95)

Pepper Money Statistics

Total Valuation

Pepper Money has a market cap or net worth of EUR 588.69 million.

Market Cap	588.69M
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, November 20, 2025.

Earnings Date	Nov 20, 2025
Ex-Dividend Date	Sep 11, 2025

Share Statistics

Current Share Class	444.51M
Shares Outstanding	n/a
Shares Change (YoY)	+0.34%
Shares Change (QoQ)	+0.28%
Owned by Insiders (%)	4.46%
Owned by Institutions (%)	20.74%
Float	157.00M

Valuation Ratios

The trailing PE ratio is 10.64 and the forward PE ratio is 9.81.

PE Ratio	10.64
Forward PE	9.81
PS Ratio	2.72
PB Ratio	1.36
P/TBV Ratio	1.62
P/FCF Ratio	n/a
P/OCF Ratio	0.77
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 225.06, with a Debt / Equity ratio of 20.93.

Current Ratio	225.06
Quick Ratio	225.06
Debt / Equity	20.93
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.11%.

Return on Equity (ROE)	12.11%
Return on Assets (ROA)	0.56%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	285,901
Profits Per Employee	72,985
Employee Count	758
Asset Turnover	0.02
Inventory Turnover	n/a

Taxes

In the past 12 months, Pepper Money has paid 23.84 million in taxes.

Income Tax	23.84M
Effective Tax Rate	30.11%

Stock Price Statistics

The stock price has increased by +60.74% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+60.74%
50-Day Moving Average	1.18
200-Day Moving Average	0.99
Relative Strength Index (RSI)	54.73
Average Volume (20 Days)	12

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 216.71 million and earned 55.32 million in profits. Earnings per share was 0.12.

Revenue	216.71M
Gross Profit	201.92M
Operating Income	85.91M
Pretax Income	79.16M
Net Income	55.32M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.12

Balance Sheet

The company has 566.90 million in cash and 9.08 billion in debt, giving a net cash position of -8.51 billion.

Cash & Cash Equivalents	566.90M
Total Debt	9.08B
Net Cash	-8.51B
Net Cash Per Share	n/a
Equity (Book Value)	433.76M
Book Value Per Share	0.98
Working Capital	9.41B

Cash Flow

Operating Cash Flow	764.58M
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 93.17%, with operating and profit margins of 39.64% and 25.53%.

Gross Margin	93.17%
Operating Margin	39.64%
Pretax Margin	36.53%
Profit Margin	25.53%
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 11.37%.

Dividend Per Share	0.15
Dividend Yield	11.37%
Dividend Growth (YoY)	146.59%
Years of Dividend Growth	1
Payout Ratio	54.09%
Buyback Yield	-0.34%
Shareholder Yield	11.03%
Earnings Yield	9.40%
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	6