Pepper Money (FRA:X95) OCF Margin %: -474.96% (As of Dec. 2025)


FRA:X95 Pepper Money Ltd FRA:X95
46 GF Score
Price €0.83
GF Value €0.76
! 2 Warning Signs
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What is Pepper Money OCF Margin %?

Pepper Money FRA:X95 -1.19% 46 OCF Margin % is -474.96% as of Dec. 2025. 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 531 Credit Services companies, Pepper Money ranks worse than 90.4% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Pepper Money's Cash Flow from Operations for the six months ended in Dec. 2025 was €-498.3 Mil. Pepper Money's Revenue for the six months ended in Dec. 2025 was €104.9 Mil. Therefore, Pepper Money's OCF Margin % for the quarter that ended in Dec. 2025 was -474.96%.

As of today, Pepper Money's current OCF Yield % is -98.52%.

The historical rank and industry rank for Pepper Money's OCF Margin % or its related term are showing as below:

FRA:X95' s OCF Margin % Range Over the Past 10 Years
Min: -755.75   Med: -178.66   Max: 644.73
Current: -179.38

During the past 6 years, the highest OCF Margin % of Pepper Money was 644.73%. The lowest was -755.75%. And the median was -178.66%.

FRA:X95's OCF Margin % is ranked worse than
90.4% of 531 companies
in the Credit Services industry
Industry Median: 2.55 vs FRA:X95: -179.38

Pepper Money OCF Margin % Related Terms

Pepper Money OCF Margin % Historical Data

* Premium members only.

The historical data trend for Pepper Money's OCF 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.

Pepper Money OCF Margin % Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial -755.75 -537.14 25.38 644.73 -178.66

Pepper Money Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only -87.27 660.05 627.90 75.93 -474.96

FRA:X95 vs V, MA, AXP: OCF Margin % Comparison

For the Credit Services subindustry, Pepper Money's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry

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

* The bar in red indicates where Pepper Money's OCF Margin % falls into.


FRA:X95
46GF Score
Pepper Money Ltd FRA:X95
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Pepper Money OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Pepper Money's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-405.607/227.033
=-178.66 %

Pepper Money's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-498.327/104.92
=-474.96 %

* 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 OCF Margin % →
What does a OCF Margin % of -474.96% mean?
Pepper Money (FRA:X95) has a OCF Margin % of -474.96% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #480 out of 531 companies in the Credit Services industry, placing it in the top 90.4%.
Is Pepper Money's OCF Margin % too high?
Pepper Money's current OCF Margin % is -474.96%. Based on the distribution chart, Pepper Money ranks #480 out of 531 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #480 out of 531 companies for OCF Margin %. This places Pepper Money in the lower half of its industry. The industry median OCF Margin % is 2.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current OCF Margin % is -474.96%. 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 OCF Margin % of -474.96%. The stock's GF Value™ is €0.76, compared to a current price of €0.83 — trading 9.2% above its estimated fair value. The current OCF Margin % is -474.96%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current OCF Margin % is -474.96% 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 €0.83 is trading 9.2% above its estimated GF Value™ of €0.76.

Key valuation signals for FRA:X95:

  • OCF Margin %: -474.96%
  • GF Value™: €0.76 vs. price of €0.83 (9.2% above fair value)
  • GF Score™: 46/100 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.
46GF Score

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

€0.83
Price
€0.76
GF Value