Pepper MoneyFRA:X95 -2.33%46 Net Margin % is 31.15% as of Dec. 2025, which is 9% above its 10-year median of 28.58. GuruFocus rates FRA:X95 with a GF Score™ of 46/100 and a GF Value™ of €0.76. The stock has 2 warning signs investors should review. Among 534 Credit Services companies, Pepper Money ranks better than 68.16% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Pepper Money's Net Income for the
six
months ended in Dec. 2025 was €32.7 Mil. Pepper Money's Revenue for the
six
months ended in Dec. 2025 was €104.9 Mil. Therefore, Pepper Money's net margin for the quarter that ended in Dec. 2025 was 31.15%.
The historical rank and industry rank for Pepper Money's Net Margin % or its related term are showing as below:
FRA:X95'
s Net Margin % Range Over the Past 10 Years
Min: 24.51 Med: 28.58 Max: 79.08
Current: 26.14
FRA:X95's Net Margin % is ranked better than 68.16% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs FRA:X95: 26.14
Pepper Money (FRA:X95) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Pepper Money Net Margin % Related Terms
Pepper Money Net Margin % Historical Data
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The historical data trend for Pepper Money's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pepper Money's Net 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 Net Margin % of 31.15% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Pepper Money and its competitors. This is near median its historical median of 28.58. Over the past decade, Pepper Money's Net Margin % has ranged from 24.51 to 79.08. According to the industry distribution chart, Pepper Money ranks #170 out of 534 companies in the Credit Services industry, placing it in the top 31.8%.
Is Pepper Money's Net Margin % too high?
Pepper Money's current Net Margin % of 31.15% is near median its 10-year median of 28.58. Over the past 10 years, this metric has ranged from a low of 24.51 to a high of 79.08. The Credit Services industry median Net Margin % is 14.52. Pepper Money's value of 31.15% is 114.5% above this industry median. Based on the distribution chart, Pepper Money ranks #170 out of 534 companies in the Credit Services industry, which is above the industry midpoint. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #170 out of 534 companies for Net Margin %. This puts Pepper Money in the upper half of its industry. The industry median Net Margin % is 14.52. Pepper Money's value of 31.15% is 114.5% above this benchmark. Historically, Pepper Money's own Net Margin % has ranged from 24.51 to 79.08 over the past decade. While the company's 10-year median is 28.58 vs. the industry median of 14.52, Pepper Money has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current Net Margin % of 31.15% is 114.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current Net Margin % is 31.15%, which is near median its own 10-year median of 28.58. 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 Net Margin % of 31.15%. 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 Net Margin % is 31.15%, which is near median its 10-year median of 28.58 and 114.5% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current Net Margin % is 31.15% 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:
Net Margin %: 31.15% (near median its 10-year median of 28.58)
GF Value™: €0.76 vs. price of €0.84 (10.5% above fair value)
Industry Position: 114.5% above the Credit Services median (#170 of 534)
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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