Pepper Money (ASX:PPM) ROC (Joel Greenblatt) %: % (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ASX:PPM Pepper Money Ltd ASX:PPM
48 GF Score
Price A$1.63
GF Value A$1.42
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

What is Pepper Money ROC (Joel Greenblatt) %?

Pepper Money ASX:PPM +0.62% 48 ROC (Joel Greenblatt) % is % as of Dec. 2025. GuruFocus rates ASX:PPM with a GF Score™ of 48/100 and a GF Value™ of A$1.42 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 414 Credit Services companies, Pepper Money ranks worse than 241545.65% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

ASX:PPM
48GF Score
Pepper Money Ltd ASX:PPM
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Pepper Money (ASX:PPM) has a ROC (Joel Greenblatt) % of % as of Dec. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pepper Money and its competitors. According to the industry distribution chart, Pepper Money ranks #999999 out of 414 companies in the Credit Services industry.
Is Pepper Money's ROC (Joel Greenblatt) % too high?
Pepper Money's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Pepper Money ranks #999999 out of 414 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Pepper Money has a GF Score™ of 48/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pepper Money's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Pepper Money ranks #999999 out of 414 companies for ROC (Joel Greenblatt) %. This places Pepper Money in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.59, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current ROC (Joel Greenblatt) % is %. 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?
Based on GuruFocus' analysis, Pepper Money (ASX:PPM) is currently considered Modestly Overvalued. The stock's GF Value™ is A$1.42, compared to a current price of A$1.63 — trading 14.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. Pepper Money's overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Pepper Money (ASX:PPM), the current ROC (Joel Greenblatt) % is % 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 (ASX:PPM) Overvalued in 2026?

Based on GuruFocus' analysis, Pepper Money stock appears to be overvalued. The current stock price of A$1.63 is trading 14.8% above its estimated GF Value™ of A$1.42. GuruFocus considers Pepper Money to be Modestly Overvalued.

Key valuation signals for ASX:PPM:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: A$1.42 vs. price of A$1.63 (14.8% above fair value)
  • GF Score™: 48/100 with 2 warning signs

No single metric tells the full story. See the ASX:PPM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pepper Money Business Description

Address 177 Pacific Highway, Level 27, North Sydney, Sydney, NSW, AUS, 2060
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.
48GF Score

Get the complete analysis for ASX:PPM

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.63
Price
A$1.42
GF Value