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Premium Group Co., Ltd (PMMFF) fair value: what the stock is really worth

As of Nov 11, 2026: fair value (intrinsic value) of Premium Group Co., Ltd stock $8.33, price $12.78, that is 34.8% below the price, quality 44 out of 100. Rating: overvalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · Based in Japan

PG Premium Group Co., Ltd logo Broad data Nov 12, 2026

Premium Group Co., Ltd

PMMFF · US
Weak valuation

Our calculation puts a fair price 35% below what the stock costs today.

Solidly profitable · 14.4% net margin (TTM)
2.6% dividend yield · Low payout
Broad data
Last quarter vs. a year ago: revenue +18%, profit +41%.
Quality 44/100
Expensive Growth (revenue 5y +18.8 %/yr in JPY)
Wide moat 67/100 · thin data
Fair value $8.33 · Overvalued
Trails peers (5/13)
Price via web search⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$14.28 $12.58 Fair Value $8.33 Mar 2025 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 12, 2026.

How to read this chart

20‑month range $12.58 – $14.28 · fair‑value band $6.71 – $16.04 · the $12.78 price screens above the $8.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 12, 2026.

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Company profile

Premium Group Co., Ltd. engages in the provision of financing and services worldwide. The company operates through Finance Business, Automobile Warranty Business, and Auto Mobility Services Business segments.

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It offers automobile leasing, debt collection, salvaging, and financing services; auto credit services for automobile purchases in installments; inspection, repair, maintenance of automobiles and related services, as well as engages in the bodywork and paintwork for automobiles.

The company is also involved in sale of used auto parts and business-use software; and wholesaling of automobile. In addition, the company develops and sells warranty products; provides consultancy services; and sells and rents IoT devices.

The company was incorporated in 2015 and is headquartered in Tokyo, Japan.

Stock analysis

Premium Group Co., Ltd (PMMFF) currently trades at $12.78, while our model-based Fair Value estimate is $8.33, 35% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of $33.78 per share, and 2 of the 9 models we run sit above the $12.78 price.

Bear case: the Asset-Based group reads lowest at $1.34, and 7 of the 9 models stay below the price. Data coverage for this calculation is high.

Scenario range: $6.71 (bear) to $16.04 (bull), the price of $12.78 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Premium Group Co., Ltd reported revenue of ¥44.0B in FY2026 versus ¥20.9B in FY2022, a compound +20.5%/yr. Reported net income was ¥6.1B in FY2026, compounding +19.9%/yr from FY2022.

Key figures

Market cap $497M Small · P/E ratio 11.6 · P/S ratio 1.60 · EPS (TTM) $1.10 · Dividend yield 2.6% · Net margin 13.8% · Return on equity 29.3% · Return on assets (EBIT) 4.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −2% fair-value upside, at −35%, PMMFF screens richer than that median.

Fair Value models

Bear $6.71 Fair Value $8.33 Bull $16.04
Price $12.78 · Downside -34.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.4718 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Owner Earnings n/a $3.43 >$13.72 73
Residual Income $6.00 $8.28 $15.94 72
Gordon GGM $3.96 $7.69 $11.36 67
All 9 models by family
DCF Models
Owner Earnings n/a $3.43 >$13.72 73
Earnings-Based
Graham-Dodd $6.67 $46.52 $65.28 63
Lynch FV $14.73 $21.04 $27.35 61
Dividend Discount
Gordon GGM $3.96 $7.69 $11.36 67
DDM Multi-Stage $3.96 $6.74 $8.15 67
Multiples
P/E Multiple $9.56 $12.75 $15.94 63
P/B Multiple $2.10 $2.80 $3.50 55
Asset-Based
NCAV (Graham) $1.00 $1.34 $2.00 54
Economic Profit
Residual Income $6.00 $8.28 $15.94 72

Open the full fair value analysis →

Quality Score breakdown

Overall quality 44/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 46
How much profit the company makes from its sales and capital
Quality Growth 64
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 44
Debt, balance sheet and risk of trouble
Investment 30
Does it invest with discipline instead of growing at any price?
Low Volatility 100
How calm the share price moves, does not count
Price momentum 32
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 17
Distance to the 52-week high, does not count
New shares 70
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+21.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.8%
Start year 2021 (pandemic)
What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+20.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.7%
Dividend (yield on the price)2.6%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.20% → 19%

PMMFF screens overvalued: fair value 35% below the price. Compare with Visa Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 327 stocks

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 44 · Below median
Fair Value upside −34.8% · Bottom 25%
Profitability
Return on equity (12 months) 29.3% · Top 25%
Return on assets 3.1% · Above median
Net margin (12 months) 14.4% · Below median
Operating margin (12 months) 20.6% · Below median
Growth and dividend
Revenue growth (quarter YoY) 18.2% · Above median
Dividend yield (12 months) 2.6% · Below median
Balance sheet
Debt / equity 3.36× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 11.6× · Pricier than median
P/B 3.14× · Priciest 25%
P/S (12 months) 1.73× · Cheaper than median
EV/EBITDA 12.2× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 44
FUTURE (revenue growth)91 · sector 57
PAST (return on equity)100 · sector 34
HEALTH (low debt)–
DIVIDEND (yield)53 · sector 62

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $72.02 $141.92 +97% vs PMMFF
PayPal Holdings PYPL $59.48 $107.45 +81% vs PMMFF
Shriram Finance Limited SHRIRAMFIN ₹969.15 ₹1,309 +35% vs PMMFF
Affirm Holdings AFRM $67.84 $72.55 +7% vs PMMFF
Bajaj Finance Limited BAJFINANCE ₹1,079 ₹1,055 −2% vs PMMFF
American Express Company AXP $323.11 $233.72 −28% vs PMMFF
Visa Inc V $425.55 $242.87 −43% vs PMMFF
Mastercard Incorporated MA $660.73 $360.13 −46% vs PMMFF
Capital One Financial Corporation COF $197.11 $106.81 −46% vs PMMFF
SoFi Technologies, Inc SOFI $16.27 $5.51 −66% vs PMMFF

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Premium Group Co., Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Premium Group Co., Ltd Fair Value". https://www.fairvalue-calculator.com/stock/PMMFF

Frequently asked questions

Is Premium Group Co., Ltd (PMMFF) overvalued or undervalued?
As of Nov 12, 2026, our model estimates a fair value of $8.33 versus a price of $12.78, about 35% lower (overvalued).
What is the fair value of PMMFF?
Our model-based fair value for Premium Group Co., Ltd is $8.33 (as of Nov 12, 2026), built from audited fundamentals. The current price: $12.78.
What is the quality score of PMMFF?
Premium Group Co., Ltd has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Premium Group Co., Ltd (PMMFF)?
Our model-based price target is the fair value of $8.33 (as of Nov 12, 2026) from 9 valuation models. Cautious scenario $6.71, optimistic scenario $16.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Premium Group Co., Ltd stock forecast for 2026?
Our models put fair value at $8.33, about 35% lower versus a price of $12.78 (overvalued). Cautious scenario $6.71, optimistic scenario $16.04. The calculation is refreshed regularly with new filings.
What is the revenue of Premium Group Co., Ltd (PMMFF)?
Premium Group Co., Ltd reported trailing-twelve-month revenue of about ¥45.9B (latest available figure, as of Nov 12, 2026).
Does Premium Group Co., Ltd pay a dividend?
Premium Group Co., Ltd currently shows a dividend yield of 2.64% relative to its recent price (as of Nov 12, 2026).
How much is the dividend of Premium Group Co., Ltd (PMMFF) and when is the ex-dividend date?
Premium Group Co., Ltd pays a dividend of $0.338 per share a year, a dividend yield of 2.6%. The next ex-dividend date is Mar 30, 2027. The payout ratio is 34.5% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Premium Group Co., Ltd (PMMFF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Premium Group Co., Ltd it is $8.33 per share (as of Nov 12, 2026), against a price of $12.78. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Premium Group Co., Ltd stock overvalued or undervalued in 2026?
As of Nov 12, 2026, PMMFF trades above its calculated fair value: price $12.78, fair value $8.33, a gap of about −35% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PMMFF?
No. The price is what the market pays today ($12.78); the fair value is what the company's own numbers justify ($8.33). For Premium Group Co., Ltd the two are $4.45 per share apart. That gap is exactly why we show both numbers side by side.
How much is Premium Group Co., Ltd worth?
The market values Premium Group Co., Ltd at about $497M (market capitalisation, as of Nov 12, 2026). Per share that is $12.78; our models calculate a fair value of $8.33 per share.
What do the bullish and bearish scenarios say about PMMFF?
Our models span a range for Premium Group Co., Ltd: cautious scenario $6.71, base $8.33, optimistic $16.04 per share (as of Nov 12, 2026, price $12.78). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PMMFF?
Premium Group Co., Ltd trades at a price-to-earnings ratio of 11.6 (as of Nov 12, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.33 is built from several models across several years. Other multiples: P/B 3.1, P/S 1.7, EV/EBITDA 12.2.
How solid is the balance sheet of Premium Group Co., Ltd (PMMFF)?
Balance-sheet figures for Premium Group Co., Ltd (as of Nov 12, 2026): return on equity 29.3%, debt of 3.36 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is PMMFF from its 52-week high?
Premium Group Co., Ltd trades at $12.78, about 12% below its 52-week high of $14.51 and at the low of $12.79 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $8.33 is for.
Which stocks are comparable to Premium Group Co., Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Premium Group Co., Ltd stock attractive at the current price?
The data as of Nov 12, 2026: price $12.78, calculated fair value $8.33 (−35%), Quality Score 44/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PMMFF calculated?
We run Premium Group Co., Ltd through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $8.33 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0% above its aggregate fair value. Premium Group Co., Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Premium Group Co., Ltd (PMMFF)?
The closing price on Nov 11, 2026 was $12.78. Our model-based fair value is $8.33, about 35% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Premium Group Co., Ltd right now?
Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range ($6.71 to $16.04) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Premium Group Co., Ltd

How large is the market capitalisation of Premium Group Co., Ltd (PMMFF)?
The market capitalisation of Premium Group Co., Ltd is $497M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Premium Group Co., Ltd (PMMFF)?
The price-to-sales ratio of Premium Group Co., Ltd is 1.60 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Premium Group Co., Ltd (PMMFF)?
Earnings per share at Premium Group Co., Ltd are $1.10 (price ÷ EPS = P/E 11.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Premium Group Co., Ltd (PMMFF)?
The dividend yield of Premium Group Co., Ltd is 2.6% (payout 30.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Premium Group Co., Ltd (PMMFF)?
The net margin of Premium Group Co., Ltd is 13.8% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Premium Group Co., Ltd (PMMFF)?
The return on equity (ROE) of Premium Group Co., Ltd is 29.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Premium Group Co., Ltd (PMMFF)?
On an EBIT basis the return on assets of Premium Group Co., Ltd is 4.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Premium Group Co., Ltd (PMMFF)?
The operating margin of Premium Group Co., Ltd is 20.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Premium Group Co., Ltd (PMMFF)?
Revenue at Premium Group Co., Ltd is growing +18.2% versus a year earlier (3y avg +20.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Premium Group Co., Ltd (PMMFF)?
Earnings per share at Premium Group Co., Ltd are growing +40.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Premium Group Co., Ltd (PMMFF) generate?
The free cash flow of Premium Group Co., Ltd is −¥22.9B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Premium Group Co., Ltd (PMMFF) carry?
The net debt of Premium Group Co., Ltd is ¥58.9B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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