Pepper Money (FRA:X95) LT-Debt-to-Total-Asset: 0.00 (As of Dec. 2025)


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 LT-Debt-to-Total-Asset?

Pepper Money FRA:X95 -1.14% 52 LT-Debt-to-Total-Asset is 0.00 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Pepper Money's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.00.

Pepper Money's long-term debt to total assets ratio stayed the same from Dec. 2024 (0.00) to Dec. 2025 (0.00).

Pepper Money  (FRA:X95) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Pepper Money LT-Debt-to-Total-Asset Related Terms

Pepper Money LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Pepper Money's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

Pepper Money Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
FRA:X95
52GF Score
Pepper Money Ltd FRA:X95
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Pepper Money LT-Debt-to-Total-Asset Calculation

Pepper Money's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=0/10440.76
=0.00

Pepper Money's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=0/10440.76
=0.00

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.00 mean?
Pepper Money (FRA:X95) has a LT-Debt-to-Total-Asset of 0.00 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Pepper Money and its competitors.
Is Pepper Money's LT-Debt-to-Total-Asset too high?
Pepper Money's current LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset compare to V and MA?
Pepper Money's LT-Debt-to-Total-Asset of 0.00 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Pepper Money and its competitors. Pepper Money's current LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset of 0.00. The stock's GF Value™ is €0.75, compared to a current price of €0.87 — trading 15.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.00. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current LT-Debt-to-Total-Asset is 0.00 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 €0.87 is trading 15.3% above its estimated GF Value™ of €0.75.

Key valuation signals for FRA:X95:

  • LT-Debt-to-Total-Asset: 0.00
  • GF Value™: €0.75 vs. price of €0.87 (15.3% 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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.87
Price
€0.75
GF Value