Pepper Money (FRA:X95) ROC %: % (As of Dec. 2025)


FRA:X95 Pepper Money Ltd FRA:X95
46 GF Score
Price €0.84
GF Value €0.76
! 2 Warning Signs
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What is Pepper Money ROC %?

Pepper Money FRA:X95 -2.33% 46 ROC % is % as of Dec. 2025. 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.

ROC %does not apply to banks.

FRA:X95
46GF Score
Pepper Money Ltd FRA:X95
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Pepper Money (FRA:X95) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Pepper Money and its competitors.
Is Pepper Money's ROC % too high?
Pepper Money's current ROC % is %. 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 ROC % compare to V and MA?
Pepper Money's ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Pepper Money and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pepper Money's current ROC % 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?
Pepper Money (FRA:X95) has a current ROC % of %. The stock's GF Value™ is €0.76, compared to a current price of €0.84 — trading 10.5% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Pepper Money (FRA:X95), the current ROC % 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 (FRA:X95) Overvalued in 2026?

Based on GuruFocus' analysis, Pepper Money stock appears to be overvalued. The current stock price of €0.84 is trading 10.5% above its estimated GF Value™ of €0.76.

Key valuation signals for FRA:X95:

  • ROC %: %
  • GF Value™: €0.76 vs. price of €0.84 (10.5% above fair value)
  • GF Score™: 46/100 with 2 warning signs

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 Business Description

Other Exchanges PPM:Australia
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.
46GF Score

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

€0.84
Price
€0.76
GF Value