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Premia Finance S.p.A (PFI) Fair Value & Analysis

Financial Services · IT · Market cap €2.9M

Price€0.7250
Fair Value€0.6100
Upside-15.9%
Quality80/100
Evidence: Low Range €0.5400 – €0.6800

Fair value as of: Jun 26, 2026

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Analysis

Premia Finance S.p.A (PFI) currently trades at €0.7250, while our model-based Fair Value estimate is €0.6100 — implying the stock looks roughly 15.9% overvalued today. We read business quality at 80/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: low).

About the company

Premia Finance S.p.A. operates as a credit mediation company in Italy. The company's products include employee loans, assignment of the fifth of the pension, loan with proxy, mortgages, personal loans, insurance, and advance TFS (end of service treatment). It operates through two direct branches in Catania and Reggio Calabria; approximately 30 indirect branches; and approximately 100 credit consultants. The company was founded in 2011 and is headquartered in Catania, Italy. Premia Finance S.p.A. operates as a subsidiary of Premia Holding S.R.L.

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Frequently asked questions

Is Premia Finance S.p.A (PFI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of €0.6100 versus a price of €0.7250 — about −16% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PFI?
Our 21-model fair value for Premia Finance S.p.A is €0.6100 (as of Jun 26, 2026), built from audited fundamentals. The current price is €0.7250.
What is the quality score of PFI?
Premia Finance S.p.A has a Quality Score of 80/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.