Market cap is the total market value to buy the whole company. It is equal to the share price times the number of Shares Outstanding (EOP). Pepper Money's share price for the quarter that ended in Dec. 2025 was €1.18. Pepper Money's Shares Outstanding (EOP) for the quarter that ended in Dec. 2025 was 444.5 Mil. Therefore, Pepper Money's market cap for the quarter that ended in Dec. 2025 was €524.5 Mil.
Pepper Money's quarterly market cap
increased
from Dec. 2024 (€360.8 Mil) to Jun. 2025 (€423.9 Mil) and
increased
from Jun. 2025 (€423.9 Mil) to Dec. 2025 (€524.5 Mil).
Pepper Money's annual market cap
increased
from Dec. 2023 (€325.5 Mil) to Dec. 2024 (€360.8 Mil) and
increased
from Dec. 2024 (€360.8 Mil) to Dec. 2025 (€524.5 Mil).
Enterprise Value is 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 and cash equivalents. Pepper Money's Enterprise Value for Today is €10,224.7 Mil.
Pepper Money (FRA:X95) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Pepper Money Market Cap Related Terms
Pepper Money Market Cap Historical Data
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The historical data trend for Pepper Money's Market Cap 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's Market Cap distribution charts can be found below:
* The bar in red indicates where Pepper Money's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
Pepper Money's Market Cap 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.
Pepper Money (FRA:X95) has a Market Cap of €422.8 Mil as of Jun. 30, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #123 out of 554 companies in the Credit Services industry, placing it in the top 22.2%.
Is Pepper Money's Market Cap too high?
Pepper Money's current Market Cap is €422.8 Mil. Based on the distribution chart, Pepper Money ranks #123 out of 554 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Pepper Money has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's Market Cap compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #123 out of 554 companies for Market Cap. This places Pepper Money in the top 22% of its industry — outperforming the majority of peers. The industry median Market Cap is 45.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Credit Services company?
The median Market Cap among Credit Services companies is 45.10, based on 554 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median Market Cap is 45.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current Market Cap is €422.8 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 Market Cap of €422.8 Mil. The stock's GF Value™ is €0.75, compared to a current price of €0.83 — trading 10% above its estimated fair value. The current Market Cap is €422.8 Mil. Pepper Money's overall GF Score™ is 53/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current Market Cap is €422.8 Mil as of Jun. 30, 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 €0.83 is trading 10% above its estimated GF Value™ of €0.75.
Key valuation signals for FRA:X95:
Market Cap: €422.8 Mil
GF Value™: €0.75 vs. price of €0.83 (10% 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.
53GF Score
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