EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pepper Money's Enterprise Value is €10,188.8 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 for today is -24.89.
The historical rank and industry rank for Pepper Money's EV-to-FCF or its related term are showing as below:
FRA:X95'
s EV-to-FCF Range Over the Past 10 Years
Min: -23.91 Med: -5.25 Max: 202.8
Current: -23.35
During the past 6 years, the highest EV-to-FCF of Pepper Money was 202.80. The lowest was -23.91. And the median was -5.25.
FRA:X95's EV-to-FCF is ranked worse than 100% of 265
companies
in the Credit Services industry
Industry Median: 13.6
vs FRA:X95: -23.35
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pepper Money's PE Ratio (TTM) for today is calculated as:
Pepper Money's share price for today is €0.85.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pepper Money's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.128.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pepper Money EV-to-FCF Related Terms
Pepper Money EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Pepper Money's EV-to-FCF 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.
For the Credit Services subindustry, Pepper Money's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pepper Money's EV-to-FCF falls into.
Pepper Money's current Enterprise Value is €10,188.8 Mil.
For company reported semi-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 (FRA:X95) has a EV-to-FCF of -24.89 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #999999 out of 265 companies in the Credit Services industry.
Is Pepper Money's EV-to-FCF too high?
Pepper Money's current EV-to-FCF is -24.89. Based on the distribution chart, Pepper Money ranks #999999 out of 265 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #999999 out of 265 companies for EV-to-FCF. This places Pepper Money in the lower half of its industry. The industry median EV-to-FCF is 13.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.60, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current EV-to-FCF is -24.89. 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 EV-to-FCF of -24.89. 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 EV-to-FCF is -24.89. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current EV-to-FCF is -24.89 as of Jul. 06, 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 €0.85 is trading 13.3% above its estimated GF Value™ of €0.75.
Key valuation signals for FRA:X95:
EV-to-FCF: -24.89
GF Value™: €0.75 vs. price of €0.85 (13.3% 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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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