Pepper MoneyFRA:X95 +6.92%52 PEG Ratio is 0.62 as of Jul. 06, 2026, which is 13% below its 10-year median of 0.71. 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 233 Credit Services companies, Pepper Money ranks better than 58.8% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, Pepper Money's PE Ratio without NRI is 6.84. Pepper Money's 5-Year Book Value growth rate is 11.00%. Therefore, Pepper Money's PEG Ratio for today is 0.62.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Pepper Money's PEG Ratio or its related term are showing as below:
FRA:X95'
s PEG Ratio Range Over the Past 10 Years
Min: 0.63 Med: 0.71 Max: 0.98
Current: 0.64
During the past 6 years, Pepper Money's highest PEG Ratio was 0.98. The lowest was 0.63. And the median was 0.71.
FRA:X95's PEG Ratio is ranked better than 58.8% of 233
companies
in the Credit Services industry
Industry Median: 0.9
vs FRA:X95: 0.64
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Pepper Money (FRA:X95) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Pepper Money PEG Ratio Related Terms
Pepper Money PEG Ratio Historical Data
* Premium members only.
The historical data trend for Pepper Money's PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Pepper Money's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Pepper Money (FRA:X95) has a PEG Ratio of 0.62 as of Jul. 06, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pepper Money and its competitors. This is 13% below median its historical median of 0.71. Over the past decade, Pepper Money's PEG Ratio has ranged from 0.63 to 0.98. According to the industry distribution chart, Pepper Money ranks #96 out of 233 companies in the Credit Services industry, placing it in the top 41.2%.
Is Pepper Money's PEG Ratio too high?
Pepper Money's current PEG Ratio of 0.62 is 13% below median its 10-year median of 0.71. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 0.98. The Credit Services industry median PEG Ratio is 0.90. Pepper Money's value of 0.62 is 31.1% below this industry median. Based on the distribution chart, Pepper Money ranks #96 out of 233 companies in the Credit Services industry, which is above the industry midpoint. 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 PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #96 out of 233 companies for PEG Ratio. This puts Pepper Money in the upper half of its industry. The industry median PEG Ratio is 0.90. Pepper Money's value of 0.62 is 31.1% below this benchmark. Historically, Pepper Money's own PEG Ratio has ranged from 0.63 to 0.98 over the past decade. While the company's 10-year median is 0.71 vs. the industry median of 0.90, Pepper Money has consistently been below 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.90, based on 233 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current PEG Ratio of 0.62 is 31.1% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median PEG Ratio is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current PEG Ratio is 0.62, which is 13% below median its own 10-year median of 0.71. 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 PEG Ratio of 0.62. The stock's GF Value™ is €0.75, compared to a current price of €0.88 — trading 16.7% above its estimated fair value. The current PEG Ratio is 0.62, which is 13% below median its 10-year median of 0.71 and 31.1% below the Credit Services industry median of 0.90. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current PEG Ratio is 0.62 as of Jul. 06, 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 €0.88 is trading 16.7% above its estimated GF Value™ of €0.75.
Key valuation signals for FRA:X95:
PEG Ratio: 0.62 (13% below median its 10-year median of 0.71)
GF Value™: €0.75 vs. price of €0.88 (16.7% above fair value)
Industry Position: 31.1% below the Credit Services median (#96 of 233)
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.
52GF Score
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