FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Pepper Money's Free Cash Flow for the
six
months ended in Dec. 2025 was €-499.5 Mil. Pepper Money's Revenue for the
six
months ended in Dec. 2025 was €104.9 Mil. Therefore, Pepper Money's FCF Margin % for the quarter that ended in Dec. 2025 was -476.10%.
The historical rank and industry rank for Pepper Money's FCF Margin % or its related term are showing as below:
FRA:X95'
s FCF Margin % Range Over the Past 10 Years
Min: -758.3 Med: -180.08 Max: 642.89
Current: -180.8
During the past 6 years, the highest FCF Margin % of Pepper Money was 642.89%. The lowest was -758.30%. And the median was -180.08%.
FRA:X95's FCF Margin % is ranked worse than 89.83% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs FRA:X95: -180.80
Pepper Money FCF Margin % Related Terms
Pepper Money FCF Margin % Historical Data
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The historical data trend for Pepper Money's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pepper Money's FCF Margin % falls into.
* 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 FCF Margin % of -476.10% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #477 out of 531 companies in the Credit Services industry, placing it in the top 89.8%.
Is Pepper Money's FCF Margin % too high?
Pepper Money's current FCF Margin % is -476.10%. Based on the distribution chart, Pepper Money ranks #477 out of 531 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Pepper Money has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #477 out of 531 companies for FCF Margin %. This places Pepper Money in the lower half of its industry. The industry median FCF Margin % is 0.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current FCF Margin % is -476.10%. 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 FCF Margin % of -476.10%. The stock's GF Value™ is €0.76, compared to a current price of €0.84 — trading 10.5% above its estimated fair value. The current FCF Margin % is -476.10%. Pepper Money's overall GF Score™ is 46/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current FCF Margin % is -476.10% 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 €0.84 is trading 10.5% above its estimated GF Value™ of €0.76.
Key valuation signals for FRA:X95:
FCF Margin %: -476.10%
GF Value™: €0.76 vs. price of €0.84 (10.5% 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.
46GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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