Pepper Money (FRA:X95) OCF Yield %: -101.67 (As of Jul. 02, 2026)


FRA:X95 Pepper Money Ltd FRA:X95
52 GF Score
Price €0.81
GF Value €0.75
! 2 Warning Signs
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What is Pepper Money OCF Yield %?

Pepper Money FRA:X95 +0.63% 52 OCF Yield % is -101.67 as of Jul. 02, 2026. 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. Among 540 Credit Services companies, Pepper Money ranks worse than 95.93% on this metric.

OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.

As of today, Pepper Money's Trailing 12-Month Cash Flow from Operations is €-406.1 Mil, and Market Cap is €412.0 Mil. Therefore, Pepper Money's OCF Yield % for today is -101.67%.

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

FRA:X95' s OCF Yield % Range Over the Past 10 Years
Min: -685.1   Med: -87.87   Max: 417.35
Current: -101.67


During the past 6 years, the highest OCF Yield % of Pepper Money was 417.35%. The lowest was -685.10%. And the median was -87.87%.

FRA:X95's OCF Yield % is ranked worse than
95.93% of 540 companies
in the Credit Services industry
Industry Median: -0.025 vs FRA:X95: -101.67

Pepper Money's OCF Margin % for the quarter that ended in Dec. 2025 was %.


Pepper Money OCF Yield % Explanation

Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Pepper Money OCF Yield % Related Terms


Pepper Money OCF Yield % Historical Data

* Premium members only.

The historical data trend for Pepper Money's OCF Yield % 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 Yield % Chart

Pepper Money Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Yield %
Get a 7-Day Free Trial -321.45 -378.28 18.54 435.66 -77.33

Pepper Money Semi-Annual Data
Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only -61.03 439.65 404.39 43.51 -190.02

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

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

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

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


FRA:X95
52GF Score
Pepper Money Ltd FRA:X95
OCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pepper Money OCF Yield % Calculation

OCF Yield % is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.

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

OCF Yield %=Cash Flow from Operations / Market Cap
=-405.607 / 524.51
=-77.33%

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

OCF Yield %=Cash Flow from Operations * Annualized Factor / Market Cap
=-498.327 * 2 / 524.51
=-190.02%

* 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 Yield % →
What does a OCF Yield % of -101.67 mean?
Pepper Money (FRA:X95) has a OCF Yield % of -101.67 as of Jul. 02, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #518 out of 540 companies in the Credit Services industry, placing it in the top 95.9%.
Is Pepper Money's OCF Yield % too high?
Pepper Money's current OCF Yield % is -101.67. Based on the distribution chart, Pepper Money ranks #518 out of 540 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 OCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #518 out of 540 companies for OCF Yield %. This places Pepper Money in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Yield % for a Credit Services company?
A good OCF Yield % depends on the Credit Services industry context. However, OCF Yield % 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Pepper Money and its competitors. Pepper Money's current OCF Yield % is -101.67. 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 Yield % of -101.67. The stock's GF Value™ is €0.75, compared to a current price of €0.81 — trading 7.3% above its estimated fair value. The current OCF Yield % is -101.67. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current OCF Yield % is -101.67 as of Jul. 02, 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 €0.81 is trading 7.3% above its estimated GF Value™ of €0.75.

Key valuation signals for FRA:X95:

  • OCF Yield %: -101.67
  • GF Value™: €0.75 vs. price of €0.81 (7.3% 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

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

€0.81
Price
€0.75
GF Value