Pepper Money (FRA:X95) Moat Score: 0/10 (As of Jul. 07, 2026)


FRA:X95 Pepper Money Ltd FRA:X95
52 GF Score
Price €0.88
GF Value €0.75
! 2 Warning Signs
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What is Pepper Money Moat Score?

Pepper Money has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Pepper Money has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pepper Money might have No Moat - No discernible moat.

Pepper Money  (FRA:X95) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pepper Money Moat Score Related Terms

FRA:X95
52GF Score
Pepper Money Ltd FRA:X95
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Pepper Money (FRA:X95) Overvalued in 2026?

Based on GuruFocus' analysis, Pepper Money stock appears to be overvalued. The current stock price of €0.88 is trading 16.7% above its estimated GF Value™ of €0.75.

Key valuation signals for FRA:X95:

  • Moat Score: 0
  • GF Value™: €0.75 vs. price of €0.88 (16.7% 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

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

€0.88
Price
€0.75
GF Value