Pepper MoneyFRA:X95 +2.31%52 PE Ratio (TTM) is 6.91 as of Jul. 12, 2026, which is 25% above its 10-year median of 5.55. 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 407 Credit Services companies, Pepper Money ranks better than 79.12% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-12), Pepper Money's share price is
€0.885.
Pepper Money's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.13. Therefore, Pepper Money's PE Ratio (TTM) for today is 6.91.
Good Sign:
Pepper Money Ltd stock PE Ratio (=7.37) is close to 1-year low of 6.92.
The historical rank and industry rank for Pepper Money's PE Ratio (TTM) or its related term are showing as below:
FRA:X95'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 1.4 Med: 5.55 Max: 11.55
Current: 7.33
During the past 6 years, the highest PE Ratio (TTM) of Pepper Money was 11.55. The lowest was 1.40. And the median was 5.55.
FRA:X95's PE Ratio (TTM) is ranked better than 79.12% of 407
companies
in the Credit Services industry
Industry Median: 13.51
vs FRA:X95: 7.33
During the past 12 months, Pepper Money's average EPS without NRIGrowth Rate was 0.40% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -10.30% per year.
During the past 6 years, Pepper Money's highest 3-Year average EPS without NRI Growth Rate was -10.30% per year. The lowest was -14.50% per year. And the median was -12.40% per year.
Pepper Money's EPS (Basic) for the
six
months ended in Dec. 2025 was €0.07.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.13.
Pepper Money (FRA:X95) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Pepper Money PE Ratio (TTM) Related Terms
Pepper Money PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Pepper Money's PE Ratio (TTM) 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 PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Pepper Money's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Pepper Money's PE Ratio (TTM) for today is calculated as
Pepper Money's Share Price of today is €0.885.
For company reported semi-annually, Pepper Money's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €0.13.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Pepper Money (FRA:X95) has a PE Ratio (TTM) of 6.91 as of Jul. 12, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Pepper Money and its competitors. This is 25% above median its historical median of 5.55. Over the past decade, Pepper Money's PE Ratio (TTM) has ranged from 1.40 to 11.55. According to the industry distribution chart, Pepper Money ranks #85 out of 407 companies in the Credit Services industry, placing it in the top 20.9%.
Is Pepper Money's PE Ratio (TTM) too high?
Pepper Money's current PE Ratio (TTM) of 6.91 is 25% above median its 10-year median of 5.55. Over the past 10 years, this metric has ranged from a low of 1.40 to a high of 11.55. The Credit Services industry median PE Ratio (TTM) is 13.51. Pepper Money's value of 6.91 is 48.9% below this industry median. Based on the distribution chart, Pepper Money ranks #85 out of 407 companies in the Credit Services industry, which is in the top quartile — a strong position 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 PE Ratio (TTM) compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #85 out of 407 companies for PE Ratio (TTM). This places Pepper Money in the top 21% of its industry — outperforming the majority of peers. The industry median PE Ratio (TTM) is 13.51. Pepper Money's value of 6.91 is 48.9% below this benchmark. Historically, Pepper Money's own PE Ratio (TTM) has ranged from 1.40 to 11.55 over the past decade. While the company's 10-year median is 5.55 vs. the industry median of 13.51, 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 PE Ratio (TTM) for a Credit Services company?
The median PE Ratio (TTM) among Credit Services companies is 13.51, based on 407 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current PE Ratio (TTM) of 6.91 is 48.9% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median PE Ratio (TTM) is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current PE Ratio (TTM) is 6.91, which is 25% above median its own 10-year median of 5.55. 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 PE Ratio (TTM) of 6.91. The stock's GF Value™ is €0.75, compared to a current price of €0.89 — trading 18% above its estimated fair value. The current PE Ratio (TTM) is 6.91, which is 25% above median its 10-year median of 5.55 and 48.9% below the Credit Services industry median of 13.51. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current PE Ratio (TTM) is 6.91 as of Jul. 12, 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 €0.89 is trading 18% above its estimated GF Value™ of €0.75.
Key valuation signals for FRA:X95:
PE Ratio (TTM): 6.91 (25% above median its 10-year median of 5.55)
GF Value™: €0.75 vs. price of €0.89 (18% above fair value)
Industry Position: 48.9% below the Credit Services median (#85 of 407)
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
Get the complete analysis for FRA:X95
PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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