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Premia Finance S.p.A. (PFI) fair value: what the stock is really worth

As of Sep 22, 2026: fair value of Premia Finance S.p.A. €0.20, price €0.52, upside -61.5%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · IT · ISIN IT0005442154

PF Thin data Sep 23, 2026

Premia Finance S.p.A.

PFI · MI

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value €0.2000 · Strongly overvalued (−62%)
!Quality 54/100
!Expensive Growth (revenue 5y +12.3 %/yr)
!Loss-making · -4.6% net margin (TTM)
!Low debt · negative free cash flow
!Mixed vs. peers (6/12)
!Narrow moat 14/100
!Evidence only low, so the estimate is less certain
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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

€3.15 €0.4420 Fair Value €0.2000 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range €0.4420 – €3.15 · fair‑value band €0.1900 – €0.2000 · the €0.5200 price screens above the €0.2000 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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).

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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.

Stock analysis

Premia Finance S.p.A. (PFI) currently trades at €0.5200, while our model-based Fair Value estimate is €0.2000, implying the stock looks roughly 160.0% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of €0.4000 per share, and 1 of the 6 models we run sit above the €0.5200 price.

Bear case: the Earnings-Based group reads lowest at €0.2100, and 5 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: €0.1900 (bear) to €0.2000 (bull), the price of €0.5200 sits above 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 54/100 (solid quality), in the Financial Services sector.

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

Premia Finance S.p.A. reported revenue of €7.1M in FY2025 versus €4.9M in FY2021, a compound +9.4%/yr. Reported net income was −€323K in FY2025.

Key figures

Market cap €2.0M · P/S ratio 0.30 · EPS (TTM) €−0.0800 · Dividend yield 5.4% · Net margin −4.6% · Return on equity −10.2% · Return on assets (EBIT) 9.0% · Operating margin −3.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 64% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −62%, PFI screens richer than that median.

Fair Value models

Bear €0.1900 Fair Value €0.2000 Bull €0.2000
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
EPV €0.2000 €0.2100 €0.2200 74
ROIC Compounder €0.2000 €0.2100 €0.2200 72
EV/EBITDA €0.7000 €0.9000 €1.09 67
All 6 models by family
Earnings-Based
EPV €0.2000 €0.2100 €0.2200 74
Multiples
EV/EBIT €0.2800 €0.3300 €0.3800 66
EV/EBITDA €0.7000 €0.9000 €1.09 67
EV/Revenue €0.2800 €0.3500 €0.4200 54
Asset-Based
NCAV (Graham) €0.3000 €0.4000 €0.6000 54
Economic Profit
ROIC Compounder €0.2000 €0.2100 €0.2200 72

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Quality Score breakdown

Overall quality 54/100

Of which business quality 53 · Market factors (momentum, volatility) 27

Profitability 40
Margins and returns on capital today
Quality Growth 64
Are margins and returns improving?
Cashflow 9
Earnings quality: real cash, not paper profit
Fin. Strength 72
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 41
Calm price path (market factor)
Momentum 30
Price trend over the last 3–12 months (market factor)
52W Momentum 4
Distance to the 52-week high (market factor)
Net Issuance 67
Share count: buybacks or dilution?

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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. 40/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+17.1%
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.
+3.3%
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.
+12.3%
Start year 2020 (pandemic)
Revenue growth 6 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.
+24.1%
Profit margin (trend) ⓘ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.
16.0% (2020) → 1.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

PFI screens 160% overvalued. 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 · 331 stocks

Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 54 · Above median
Fair Value upside −62% · Bottom 25%
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) −5% · Bottom 25%
Operating margin (TTM) −3% · Bottom 25%
Growth and dividend
Revenue growth 11% · Above median
Dividend yield (TTM) 5.4% · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 1.01× · Pricier than median
P/S (TTM) 0.33× · Cheapest 25%
EV/EBITDA 6.4× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 49
FUTURE (revenue growth)56 · sector 36
PAST (return on equity)0 · sector 33
HEALTH (low debt)100 · sector 59
DIVIDEND (yield)100 · sector 68

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

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
Visa Inc V $367.98 $221.29 −40%
Mastercard Incorporated MA $566.08 $359.54 −36%
American Express Company AXP $305.66 $208.54 −32%
Capital One Financial Corporation COF $196.61 $125.94 −36%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $68.09 $16.24 −76%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $70.67 $137.28 +94%
SoFi Technologies, Inc SOFI $16.55 $5.57 −66%

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Premia Finance S.p.A. · Fair Value
€0.2000 −160%Fair Value
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Cite: Fair Value Calculator (2026). "Premia Finance S.p.A. Fair Value". https://www.fairvalue-calculator.com/stock/PFI

Frequently asked questions

Is Premia Finance S.p.A. (PFI) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €0.2000 versus a price of €0.5200, about −62% upside (overvalued).
What is the fair value of PFI?
Our model-based fair value for Premia Finance S.p.A. is €0.2000 (as of Sep 23, 2026), built from audited fundamentals. The current price: €0.5200.
What is the quality score of PFI?
Premia Finance S.p.A. has a Quality Score of 54/100. 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 Premia Finance S.p.A. (PFI)?
Our model-based price target is the fair value of €0.2000 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario €0.1900, optimistic scenario €0.2000. It is a calculation from audited fundamentals, not an analyst target.
What is the Premia Finance S.p.A. stock forecast for 2026?
Our models put fair value at €0.2000, about −62% upside versus a price of €0.5200 (overvalued). Cautious scenario €0.1900, optimistic scenario €0.2000. The calculation is refreshed regularly with new filings.
What is the revenue of Premia Finance S.p.A. (PFI)?
Premia Finance S.p.A. reported trailing-twelve-month revenue of about €7.1M (latest available figure, as of Sep 23, 2026).
Does Premia Finance S.p.A. pay a dividend?
Premia Finance S.p.A. currently shows a dividend yield of about 5.37% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Premia Finance S.p.A. (PFI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Premia Finance S.p.A. it is €0.2000 per share (as of Sep 23, 2026), against a price of €0.5200. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Premia Finance S.p.A. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PFI trades above its calculated fair value: price €0.5200, fair value €0.2000, a gap of about −62% (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 PFI?
No. The price is what the market pays today (€0.5200); the fair value is what the company's own numbers justify (€0.2000). For Premia Finance S.p.A. the two are €0.3200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Premia Finance S.p.A. worth?
The market values Premia Finance S.p.A. at about €2.0M (market capitalisation, as of Sep 23, 2026). Per share that is €0.5200; our models calculate a fair value of €0.2000 per share.
What do the bullish and bearish scenarios say about PFI?
Our models span a range for Premia Finance S.p.A.: cautious scenario €0.1900, base €0.2000, optimistic €0.2000 per share (as of Sep 23, 2026, price €0.5200). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Premia Finance S.p.A. (PFI)?
Balance-sheet figures for Premia Finance S.p.A. (as of Sep 23, 2026): return on equity −10.2%. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is PFI from its 52-week high?
Premia Finance S.p.A. trades at €0.5200, about 64% below its 52-week high of €1.44 and 18% above the low of €0.4420 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of €0.2000 is for.
Which stocks are comparable to Premia Finance S.p.A.?
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 Premia Finance S.p.A. stock attractive at the current price?
The data as of Sep 23, 2026: price €0.5200, calculated fair value €0.2000 (−62%), Quality Score 54/100, from 6 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 PFI calculated?
We run Premia Finance S.p.A. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €0.2000, 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. Premia Finance S.p.A. 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 Premia Finance S.p.A. (PFI)?
The closing price on Sep 22, 2026 was €0.5200. Our model-based fair value is €0.2000, about −62% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Premia Finance S.p.A. right now?
The price sits above even our optimistic bull case (€0.2000). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (€0.1900 to €0.2000), unusually little disagreement for a valuation.

Key figures of Premia Finance S.p.A.

How large is the market capitalisation of Premia Finance S.p.A. (PFI)?
The market capitalisation of Premia Finance S.p.A. is €2.0M. 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 Premia Finance S.p.A. (PFI)?
The price-to-sales ratio of Premia Finance S.p.A. is 0.30 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Premia Finance S.p.A. (PFI)?
Earnings per share at Premia Finance S.p.A. are €−0.0800. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Premia Finance S.p.A. (PFI)?
The dividend yield of Premia Finance S.p.A. is 5.4%. 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 Premia Finance S.p.A. (PFI)?
The net margin of Premia Finance S.p.A. is −4.6% (fiscal year 2025). 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 Premia Finance S.p.A. (PFI)?
The return on equity (ROE) of Premia Finance S.p.A. is −10.2% (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 Premia Finance S.p.A. (PFI)?
On an EBIT basis the return on assets of Premia Finance S.p.A. is 9.0% (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 Premia Finance S.p.A. (PFI)?
The operating margin of Premia Finance S.p.A. is −3.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Premia Finance S.p.A. (PFI)?
Revenue at Premia Finance S.p.A. is growing +11.2% versus a year earlier (3y avg +3.3%). 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 Premia Finance S.p.A. (PFI)?
Earnings per share at Premia Finance S.p.A. are growing −63.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Premia Finance S.p.A. (PFI) generate?
The free cash flow of Premia Finance S.p.A. is −€88.0K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Premia Finance S.p.A. (PFI) hold?
Premia Finance S.p.A. holds more cash than debt, €1.5M net (fiscal year 2022). The company holds more cash than debt, a safety cushion.
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