Pepper MoneyFRA:X95 +2.31%52 Return-on-Tangible-Equity is 16.49% as of Dec. 2025, which is 1% below its 10-year median of 16.60. 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 525 Credit Services companies, Pepper Money ranks better than 75.81% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Pepper Money's annualized net income for the quarter that ended in Dec. 2025 was €65.4 Mil. Pepper Money's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €396.4 Mil. Therefore, Pepper Money's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 16.49%.
The historical rank and industry rank for Pepper Money's Return-on-Tangible-Equity or its related term are showing as below:
FRA:X95'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 14 Med: 16.6 Max: 58.77
Current: 14.75
During the past 6 years, Pepper Money's highest Return-on-Tangible-Equity was 58.77%. The lowest was 14.00%. And the median was 16.60%.
FRA:X95's Return-on-Tangible-Equity is ranked better than 75.81% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs FRA:X95: 14.75
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Pepper Money Return-on-Tangible-Equity Related Terms
Pepper Money Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pepper Money's Return-on-Tangible-Equity 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.
FRA:X95 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Pepper Money's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pepper Money's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.49% mean?
Pepper Money (FRA:X95) has a Return-on-Tangible-Equity of 16.49% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pepper Money and its competitors. This is near median its historical median of 16.60. Over the past decade, Pepper Money's Return-on-Tangible-Equity has ranged from 14.00 to 58.77. According to the industry distribution chart, Pepper Money ranks #127 out of 525 companies in the Credit Services industry, placing it in the top 24.2%.
Is Pepper Money's Return-on-Tangible-Equity too high?
Pepper Money's current Return-on-Tangible-Equity of 16.49% is near median its 10-year median of 16.60. Over the past 10 years, this metric has ranged from a low of 14.00 to a high of 58.77. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Pepper Money's value of 16.49% is 135.2% above this industry median. Based on the distribution chart, Pepper Money ranks #127 out of 525 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #127 out of 525 companies for Return-on-Tangible-Equity. This places Pepper Money in the top 24% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. Pepper Money's value of 16.49% is 135.2% above this benchmark. Historically, Pepper Money's own Return-on-Tangible-Equity has ranged from 14.00 to 58.77 over the past decade. While the company's 10-year median is 16.60 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current Return-on-Tangible-Equity of 16.49% is 135.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current Return-on-Tangible-Equity is 16.49%, which is near median its own 10-year median of 16.60. 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 Return-on-Tangible-Equity of 16.49%. 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 Return-on-Tangible-Equity is 16.49%, which is near median its 10-year median of 16.60 and 135.2% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current Return-on-Tangible-Equity is 16.49% 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 €0.89 is trading 18% above its estimated GF Value™ of €0.75.
Key valuation signals for FRA:X95:
Return-on-Tangible-Equity: 16.49% (near median its 10-year median of 16.60)
GF Value™: €0.75 vs. price of €0.89 (18% above fair value)
Industry Position: 135.2% above the Credit Services median (#127 of 525)
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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