Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Pepper Money's Enterprise Value is €10,212.5 Mil.
Pepper Money's Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was €226.4 Mil. Therefore, Pepper Money's EV-to-Revenue ratio for today is 45.11.
EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, Pepper Money's Enterprise Value is €10,212.5 Mil.
Pepper Money's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-409.3 Mil. Therefore, Pepper Money's EV-to-FCF ratio for today is -24.95.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Pepper Money (FRA:X95) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
Pepper Money's current Enterprise Value is €10,212.5 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Pepper Money's Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was €226.4 Mil.
Pepper Money's current Enterprise Value is €10,212.5 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Pepper Money's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was €-406.1 Mil.
Pepper Money's current Enterprise Value is €10,212.5 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Pepper Money's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-409.3 Mil.
* 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 Enterprise Value Related Terms
Pepper Money Enterprise Value Historical Data
* Premium members only.
The historical data trend for Pepper Money's Enterprise Value 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.
FRA:X95 vs V, MA, AXP: Enterprise Value Comparison
For the Credit Services subindustry, Pepper Money's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Pepper Money's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Pepper Money's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
What does a Enterprise Value of €10,212.5 Mil mean?
Pepper Money (FRA:X95) has a Enterprise Value of €10,212.5 Mil as of Jul. 01, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Pepper Money and its competitors.
Is Pepper Money's Enterprise Value too high?
Pepper Money's current Enterprise Value is €10,212.5 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 Enterprise Value compare to V and MA?
Pepper Money's Enterprise Value of €10,212.5 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 Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Pepper Money and its competitors. Pepper Money's current Enterprise Value is €10,212.5 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 Enterprise Value of €10,212.5 Mil. The stock's GF Value™ is €0.75, compared to a current price of €0.80 — trading 6.7% above its estimated fair value. The current Enterprise Value is €10,212.5 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current Enterprise Value is €10,212.5 Mil as of Jul. 01, 2026. 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 €0.80 is trading 6.7% above its estimated GF Value™ of €0.75.
Key valuation signals for FRA:X95:
Enterprise Value: €10,212.5 Mil
GF Value™: €0.75 vs. price of €0.80 (6.7% above fair value)
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 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
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Enterprise Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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