Pepper Money (FRA:X95) GF Score: 52/100 (As of Jul. 09, 2026) — 174% Above Median


FRA:X95 Pepper Money Ltd FRA:X95
52 GF Score
Price €0.87
GF Value €0.75
! 2 Warning Signs
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What is Pepper Money GF Score?

Pepper Money FRA:X95 +0.58% 52 GF Score is 52 as of Jul. 09, 2026, which is 174% above its 10-year median of 19.00. 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.

Pepper Money has the GF Score of 52, which implies that the company might have Poor future performance potential.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 2/10
2. Profitability Rank : 3/10
3. Growth Rank : 0/10
4. GF Value Rank : 5/10
5. Momentum Rank : 7/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes Pepper Money might have Poor future performance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Pepper Money  (FRA:X95) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

Pepper Money GF Score Related Terms

FRA:X95 vs V, MA, AXP: GF Score Comparison

For the Credit Services subindustry, Pepper Money's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Pepper Money's GF Score distribution charts can be found below:

* The bar in red indicates where Pepper Money's GF Score falls into.


FRA:X95
52GF Score
Pepper Money Ltd FRA:X95
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 52 mean?
Pepper Money (FRA:X95) has a GF Score of 52 as of Jul. 09, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Pepper Money and its competitors. This is 174% above median its historical median of 19.00. Over the past decade, Pepper Money's GF Score has ranged from 2.00 to 52.00.
Is Pepper Money's GF Score too high?
Pepper Money's current GF Score of 52 is 174% above median its 10-year median of 19.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 52.00. 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 GF Score compare to V and MA?
Pepper Money's GF Score of 52 can be compared against companies in the Credit Services industry. Historically, Pepper Money's own GF Score has ranged from 2.00 to 52.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Pepper Money and its competitors. Pepper Money's current GF Score is 52, which is 174% above median its own 10-year median of 19.00. 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 GF Score of 52. The stock's GF Value™ is €0.75, compared to a current price of €0.87 — trading 16% above its estimated fair value. The current GF Score is 52, which is 174% above median its 10-year median of 19.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current GF Score is 52 as of Jul. 09, 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 €0.87 is trading 16% above its estimated GF Value™ of €0.75.

Key valuation signals for FRA:X95:

  • GF Score: 52 (174% above median its 10-year median of 19.00)
  • GF Value™: €0.75 vs. price of €0.87 (16% 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

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GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.87
Price
€0.75
GF Value