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Intrinsic Value

Is X95 undervalued or overvalued?

See the intrinsic value estimate for Pepper Money Ltd and find out whether today’s valuation is cheap or expensive by its own historical standards.

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X95 Intrinsic Value
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Today vs. history

X95 looks undervalued.
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See how today’s valuation compares with X95’s past valuations and how the stock performed after similar periods.

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Intrinsic Value Locked
Current Price €0.91
Margin of Safety 20% Locked
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Fundamental Analysis

What Pepper Money Does

Financial Services Financials

Pepper Money is a specialist lender that helps people and small businesses borrow when a big bank may not be the best fit. It offers home loans, car loans, personal loans, and business finance, mainly through mortgage brokers and other intermediaries. Its customers are borrowers who need flexible credit assessment, including self-employed people, people with irregular income, and borrowers with credit histories that do not fit standard bank rules.

Headquarters
Australia AU
IPO date
May 25, 2021
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Financials
Efficiency

Earnings Waterfall
Pepper Money Ltd

Wall St Price Targets

Capital Returns

Buyback Yield
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Debt Paydown Yield
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Competitive Landscape

What is the Intrinsic Value of one X95 stock?

The intrinsic value for Pepper Money Ltd (X95) under the Base Case is hidden EUR.

Is X95 stock undervalued or overvalued?

Compared with the current market price of 0.91 EUR, the stock appears hidden.

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