Total Valuation
Pepper Money Ltd has a market cap or net worth of €527.72M. The enterprise value is €18.67K.
Market Cap€527.72M
Enterprise Value€18.67K
Share Statistics
Pepper Money Ltd has 449,255,070 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding449,255,070
Owned by Insiders1.09%
Owned by Institutions―
Financial Efficiency
Pepper Money Ltd’s return on equity (ROE) is 0.12 and return on invested capital (ROIC) is 4.31%.
Return on Equity (ROE)0.12
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)4.31%
Return on Capital Employed (ROCE)1.10
Revenue Per Employee1.68M
Profits Per Employee121.21K
Employee Count863
Asset Turnover0.08
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Pepper Money Ltd is 7.9. Pepper Money Ltd’s PEG ratio is 0.99.
PE Ratio7.9
PS Ratio0.66
PB Ratio1.10
Price to Fair Value1.10
Price to FCF-1.33
Price to Operating Cash Flow-0.32
PEG Ratio0.99
Income Statement
In the last 12 months, Pepper Money Ltd had revenue of 1.45B and earned 104.60M in profits. Earnings per share was 0.24.
Revenue1.45B
Gross Profit1.39B
Operating Income1.11B
Pretax Income146.50M
Net Income104.60M
EBITDA1.13B
Earnings Per Share (EPS)0.24
Cash Flow
In the last 12 months, operating cash flow was -2.67B and capital expenditures 3.30M, giving a free cash flow of -2.67B billion.
Operating Cash Flow-2.67B
Free Cash Flow-2.67B
Free Cash Flow per Share-5.94
Dividends & Yields
Pepper Money Ltd pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.79
52-Week Price Change-4.63%
50-Day Moving Average0.91
200-Day Moving Average1.04
Relative Strength Index (RSI)67.86
Average Volume (3m)14.00
Important Dates
Pepper Money Ltd upcoming earnings date is Feb 25, 2027, After Close (Confirmed).
Last Earnings DateAug 19, 2026
Next Earnings DateFeb 25, 2027
Ex-Dividend Date―
Financial Position
Pepper Money Ltd as a current ratio of 0.07, with Debt / Equity ratio of 2131.02%
Current Ratio0.07
Quick Ratio0.07
Debt to Market Cap36.31
Net Debt to EBITDA14.35
Interest Coverage Ratio1.15
Taxes
In the past 12 months, Pepper Money Ltd has paid 41.90M in taxes.
Income Tax41.90M
Effective Tax Rate0.29
Enterprise Valuation
Pepper Money Ltd EV to EBITDA ratio is 15.20, with an EV/FCF ratio of -23.74.
EV to Sales11.80
EV to EBITDA15.20
EV to Free Cash Flow-23.74
EV to Operating Cash Flow-23.93
Balance Sheet
Pepper Money Ltd has €935.40M in cash and marketable securities with €18.90B in debt, giving a net cash position of -€17.96B billion.
Cash & Marketable Securities€935.40M
Total Debt€18.90B
Net Cash-€17.96B
Net Cash Per Share-€39.99
Tangible Book Value Per Share€1.69
Margins
Gross margin is 95.95%, with operating margin of 76.50%, and net profit margin of 7.22%.
Gross Margin95.95%
Operating Margin76.50%
Pretax Margin10.11%
Net Profit Margin7.22%
EBITDA Margin77.64%
EBIT Margin76.50%
Analyst Forecast
The average price target for Pepper Money Ltd is €1.25, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target€1.25
Price Target Upside21.60% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast-2.96%
EPS Growth Forecast5.08%