Pepper MoneyFRA:X95 -1.19%46 ROA % is 0.65% as of Dec. 2025, which is 12% above its 10-year median of 0.58. GuruFocus rates FRA:X95 with a GF Score™ of 46/100 and a GF Value™ of €0.76. The stock has 2 warning signs investors should review. Among 546 Credit Services companies, Pepper Money ranks worse than 68.5% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Pepper Money's annualizedNet Income for the quarter that ended in Dec. 2025 was €65.4 Mil.
Pepper Money's average Total Assets over the quarter that ended in Dec. 2025 was €10,059.8 Mil. Therefore, Pepper Money's annualized ROA % for the quarter that ended in Dec. 2025 was 0.65%.
The historical rank and industry rank for Pepper Money's ROA % or its related term are showing as below:
FRA:X95'
s ROA % Range Over the Past 10 Years
Min: 0.52 Med: 0.58 Max: 1.98
Current: 0.59
During the past 6 years, Pepper Money's highest ROA % was 1.98%. The lowest was 0.52%. And the median was 0.58%.
FRA:X95's ROA % is ranked worse than 68.5% of 546
companies
in the Credit Services industry
Industry Median: 1.915
vs FRA:X95: 0.59
Pepper Money (FRA:X95) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Pepper Money ROA % Related Terms
Pepper Money ROA % Historical Data
* Premium members only.
The historical data trend for Pepper Money's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pepper Money's ROA % distribution charts can be found below:
* The bar in red indicates where Pepper Money's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Pepper Money (FRA:X95) has a ROA % of 0.65% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Pepper Money and its competitors. This is 12% above median its historical median of 0.58. Over the past decade, Pepper Money's ROA % has ranged from 0.52 to 1.98. According to the industry distribution chart, Pepper Money ranks #374 out of 546 companies in the Credit Services industry, placing it in the top 68.5%.
Is Pepper Money's ROA % too high?
Pepper Money's current ROA % of 0.65% is 12% above median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 1.98. The Credit Services industry median ROA % is 1.92. Pepper Money's value of 0.65% is 66.1% below this industry median. Based on the distribution chart, Pepper Money ranks #374 out of 546 companies in the Credit Services industry, which is below the industry midpoint. Overall, Pepper Money has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #374 out of 546 companies for ROA %. This places Pepper Money in the lower half of its industry. The industry median ROA % is 1.92. Pepper Money's value of 0.65% is 66.1% below this benchmark. Historically, Pepper Money's own ROA % has ranged from 0.52 to 1.98 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 1.92, 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pepper Money's current ROA % of 0.65% is 66.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current ROA % is 0.65%, which is 12% above median its own 10-year median of 0.58. 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 ROA % of 0.65%. The stock's GF Value™ is €0.76, compared to a current price of €0.83 — trading 9.2% above its estimated fair value. The current ROA % is 0.65%, which is 12% above median its 10-year median of 0.58 and 66.1% below the Credit Services industry median of 1.92. Pepper Money's overall GF Score™ is 46/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current ROA % is 0.65% 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 €0.83 is trading 9.2% above its estimated GF Value™ of €0.76.
Key valuation signals for FRA:X95:
ROA %: 0.65% (12% above median its 10-year median of 0.58)
GF Value™: €0.76 vs. price of €0.83 (9.2% above fair value)
Industry Position: 66.1% below the Credit Services median (#374 of 546)
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.
46GF Score
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