Pepper Money (FRA:X95) Shares Outstanding (EOP): 444.5 Mil (As of Dec. 2025)


FRA:X95 Pepper Money Ltd FRA:X95
52 GF Score
Price €0.85
GF Value €0.75
! 2 Warning Signs
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What is Pepper Money Shares Outstanding (EOP)?

Pepper Money FRA:X95 +6.92% 52 Shares Outstanding (EOP) is 444.5 Mil as of Dec. 2025. GuruFocus rates FRA:X95 with a GF Score™ of 52/100 and a GF Value™ of €0.75. The stock has 2 warning signs investors should review.

Shares outstanding are shares that have been authorized, issued, and purchased by investors and are held by them. Pepper Money's shares outstanding for the quarter that ended in Dec. 2025 was 444.5 Mil.

Pepper Money's quarterly shares outstanding increased from Jun. 2025 (443.9 Mil) to Dec. 2025 (444.5 Mil). It means Pepper Money issued new shares from Jun. 2025 to Dec. 2025 .

Pepper Money's annual shares outstanding increased from Dec. 2024 (440.0 Mil) to Dec. 2025 (444.5 Mil). It means Pepper Money issued new shares from Dec. 2024 to Dec. 2025 .


Pepper Money  (FRA:X95) Shares Outstanding (EOP) Explanation

A company may buy back shares or issue shares in any fiscal period. If a company buys back shares, we should observe that the total number of shares decline. If the company issues new shares, the number of shares outstanding increases.

Usually the presence of treasury shares and a history of buyback are good indicators that company has competitive advantage. But studies have shown that companies usually buy back at wrong time. Buying back shares below its intrinsic value increases value for remaining shareholders. Buying back overvalued shares destroys value for existing shareholders.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred net income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Pepper Money Shares Outstanding (EOP) Related Terms


Pepper Money Shares Outstanding (EOP) Historical Data

* Premium members only.

The historical data trend for Pepper Money's Shares Outstanding (EOP) can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pepper Money Shares Outstanding (EOP) Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shares Outstanding (EOP)
Get a 7-Day Free Trial 439.50 439.70 439.80 440.00 444.50

Pepper Money Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Shares Outstanding (EOP) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 439.80 441.60 440.00 443.90 444.50

FRA:X95 vs V, MA, AXP: Shares Outstanding (EOP) Comparison

For the Credit Services subindustry, Pepper Money's Shares Outstanding (EOP), along with its competitors' market caps and Shares Outstanding (EOP) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pepper Money Shares Outstanding (EOP) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Pepper Money's Shares Outstanding (EOP) distribution charts can be found below:

* The bar in red indicates where Pepper Money's Shares Outstanding (EOP) falls into.


FRA:X95
52GF Score
Pepper Money Ltd FRA:X95
Shares Outstanding (EOP) is just one metric. See GF Score™, valuation, warning signs, and more.
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Pepper Money Shares Outstanding (EOP) Calculation

Shares outstanding are shares that have been authorized, issued, and purchased by investors and are held by them. They have voting rights and represent ownership in the corporation by the person that holds the shares. They should be distinguished from treasury shares, which are shares held by the corporation itself, having no exercisable rights.

Shares outstanding can be calculated as either basic or fully diluted. The fully diluted shares outstanding count includes diluting securities, such as options, warrants or convertibles.

Please note: GuruFocus named Shares Outstanding (EOP) is the shares for that end of period. It is usually used to calculate balance sheet related items, such as Book Value per Share, etc. While Shares Outstanding (Diluted Average) and Shares Outstanding (Basic Average) are the weighted average shares over a period of time (a year, a quarter, or so). They are usually used to calculate income statement or cashflow statement related items, such as Earnings per Share (Diluted), etc.

What does a Shares Outstanding (EOP) of 444.5 Mil mean?
Pepper Money (FRA:X95) has a Shares Outstanding (EOP) of 444.5 Mil as of Dec. 2025. The total shares a company has outstanding, at period-end. View historical data on Pepper Money and its competitors.
Is Pepper Money's Shares Outstanding (EOP) too high?
Pepper Money's current Shares Outstanding (EOP) is 444.5 Mil. Overall, Pepper Money has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's Shares Outstanding (EOP) compare to V and MA?
Pepper Money's Shares Outstanding (EOP) of 444.5 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shares Outstanding (EOP) for a Credit Services company?
A good Shares Outstanding (EOP) depends on the Credit Services industry context. However, Shares Outstanding (EOP) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Shares Outstanding (EOP) mean?
A high Shares Outstanding (EOP) can signal that a stock is expensive relative to its fundamentals. The total shares a company has outstanding, at period-end. View historical data on Pepper Money and its competitors. Pepper Money's current Shares Outstanding (EOP) is 444.5 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pepper Money stock overvalued right now?
Pepper Money (FRA:X95) has a current Shares Outstanding (EOP) of 444.5 Mil. The stock's GF Value™ is €0.75, compared to a current price of €0.85 — trading 13.3% above its estimated fair value. The current Shares Outstanding (EOP) is 444.5 Mil. Pepper Money's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shares Outstanding (EOP) calculated?
Shares Outstanding (EOP) is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current Shares Outstanding (EOP) is 444.5 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pepper Money (FRA:X95) Overvalued in 2026?

Based on GuruFocus' analysis, Pepper Money stock appears to be overvalued. The current stock price of €0.85 is trading 13.3% above its estimated GF Value™ of €0.75.

Key valuation signals for FRA:X95:

  • Shares Outstanding (EOP): 444.5 Mil
  • GF Value™: €0.75 vs. price of €0.85 (13.3% above fair value)
  • GF Score™: 52/100 with 2 warning signs

No single metric tells the full story. See the FRA:X95 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Pepper Money Business Description

Other Exchanges PPM:Australia
Address 177 Pacific Highway, Level 27, North Sydney, Sydney, NSW, AUS, 2060
Pepper Money Ltd provides a variety of home loan solutions. The company also provides car loans, personal loans, loans for equipment, asset finance, commercial loans, and others. The company operates in three reportable segments Mortgage, Asset Finance, and Loan and Other Servicing. The maximum revenue is derived from the Asset finance segment. The Asset finance segment includes financing a range of asset types for consumer and commercial customers.
52GF Score

Get the complete analysis for FRA:X95

Shares Outstanding (EOP) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.85
Price
€0.75
GF Value