Pepper MoneyFRA:X95 -3.03%52 Pretax Margin % is 42.29% as of Dec. 2025, which is 10% above its 10-year median of 38.39. 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 533 Credit Services companies, Pepper Money ranks better than 70.36% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Pepper Money's Pre-Tax Income for the
six
months ended in Dec. 2025 was €44.4 Mil. Pepper Money's Revenue for the
six
months ended in Dec. 2025 was €104.9 Mil. Therefore, Pepper Money's pretax margin for the quarter that ended in Dec. 2025 was 42.29%.
The historical rank and industry rank for Pepper Money's Pretax Margin % or its related term are showing as below:
FRA:X95'
s Pretax Margin % Range Over the Past 10 Years
Min: 34.71 Med: 38.39 Max: 47.15
Current: 36.62
FRA:X95's Pretax Margin % is ranked better than 70.36% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs FRA:X95: 36.62
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Pepper Money Pretax Margin % Related Terms
Pepper Money Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Pepper Money's Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pepper Money's Pretax 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 Pretax Margin % of 42.29% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pepper Money and its competitors. This is 10% above median its historical median of 38.39. Over the past decade, Pepper Money's Pretax Margin % has ranged from 34.71 to 47.15. According to the industry distribution chart, Pepper Money ranks #158 out of 533 companies in the Credit Services industry, placing it in the top 29.6%.
Is Pepper Money's Pretax Margin % too high?
Pepper Money's current Pretax Margin % of 42.29% is 10% above median its 10-year median of 38.39. Over the past 10 years, this metric has ranged from a low of 34.71 to a high of 47.15. The Credit Services industry median Pretax Margin % is 20.02. Pepper Money's value of 42.29% is 111.2% above this industry median. Based on the distribution chart, Pepper Money ranks #158 out of 533 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 Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #158 out of 533 companies for Pretax Margin %. This puts Pepper Money in the upper half of its industry. The industry median Pretax Margin % is 20.02. Pepper Money's value of 42.29% is 111.2% above this benchmark. Historically, Pepper Money's own Pretax Margin % has ranged from 34.71 to 47.15 over the past decade. While the company's 10-year median is 38.39 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current Pretax Margin % of 42.29% is 111.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current Pretax Margin % is 42.29%, which is 10% above median its own 10-year median of 38.39. 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 Pretax Margin % of 42.29%. The stock's GF Value™ is €0.75, compared to a current price of €0.80 — trading 6.7% above its estimated fair value. The current Pretax Margin % is 42.29%, which is 10% above median its 10-year median of 38.39 and 111.2% above the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current Pretax Margin % is 42.29% 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 €0.80 is trading 6.7% above its estimated GF Value™ of €0.75.
Key valuation signals for FRA:X95:
Pretax Margin %: 42.29% (10% above median its 10-year median of 38.39)
GF Value™: €0.75 vs. price of €0.80 (6.7% above fair value)
Industry Position: 111.2% above the Credit Services median (#158 of 533)
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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