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Premium Income Corporation (PIC-A) Fair Value & Analysis

Financial Services · CA · Market cap C$234M

PI Premium Income Corporation PIC-A · TO
PriceC$10.75
Fair ValueC$9.48
Upside-11.8%
Quality48/100
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Evidence: Medium Range C$7.11 – C$11.85 📤 Share as image

Fair value as of: Jul 17, 2026

From 14 valuation models · updated 4 days ago

Share price −11.4% over the past month.

Price vs Fair Value (12 months)

C$12.79 C$4.90 Fair Value C$9.48 Jul 2025 Jul 2026

12‑month range C$4.90 – C$12.79 · fair‑value band C$7.11 – C$11.85 · the C$10.75 price screens above the C$9.48 fair value. As of Jul 17, 2026.

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Analysis

Premium Income Corporation (PIC-A) currently trades at C$10.75, while our model-based Fair Value estimate is C$9.48, implying the stock looks roughly 11.8% overvalued today. We read business quality at 48/100 (below-average 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: medium).

Over the trailing twelve months, Premium Income Corporation generated revenue of C$109M at a net margin of 77.3%. Revenue grew 128.1% year over year. It earns a return on equity of 67.2%. Net debt stands at C$249M. Fundamentals as of Jul 17, 2026

Our scenario range runs from C$7.11 (bear case) to C$11.85 (bull case); at C$10.75, the current price sits within that range. The share trades about 2% below its 52-week high and 155% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 53% fair-value upside, at -12%, PIC-A screens richer than that median.

Key figures & financial health

Revenue (TTM) C$187M
Revenue growth (YoY) +1,329%
Net margin 85.2%
Return on equity 103%
Free cash flow −C$10.5M FY2025
P/E ratio 1.8
More key figures
Operating margin 96.5%
EPS (TTM) C$6.26
Dividend yield 6.5%
EPS growth (YoY) +101%
Net debt C$249M FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 17, 2026. TTM = trailing twelve months.

About the company

Premium Income Corporation is an equity mutual fund launched and managed by Strathbridge Asset Management Inc. It invests in the public equity markets of Canada. It invests in stocks of companies operating primarily in the banking sector. The fund uses financial derivatives such as call and put options to invest in stocks of Bank of Montreal, Bank of Nova Scotia, Canadian Imperial Bank of Commerce, Royal Bank of Canada, and Toronto Dominion Bank. It seeks to invest in stocks of dividend paying companies. The fund benchmarks the performance of its portfolio against the S&P/TSX Diversified Banks Total Return Index. Premium Income Corporation was formed on August 27, 1996 and is domiciled in Canada.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Premium Income Corporation reported revenue of C$30.3M in FY2025 versus C$111M in FY2021, a compound −27.7%/yr. Reported net income was C$84.1M in FY2025, compounding −6.5%/yr from FY2021.

Revenue −27.7%/yr
FY21 C$111M
FY22 C$41.5M
FY23 −C$29.1M
FY24 C$96.8M
FY25 C$30.3M
Net income −6.5%/yr
FY21 C$110M
FY22 −C$21.4M
FY23 −C$44.8M
FY24 C$76.3M
FY25 C$84.1M

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Cite: Fair Value Calculator (2026). "Premium Income Corporation Fair Value". https://www.fairvalue-calculator.com/stock/PIC-A

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Frequently asked questions

Is Premium Income Corporation (PIC-A) undervalued?
As of Jul 17, 2026, our model estimates a fair value of C$9.48 versus a price of C$10.75, about −12% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PIC-A?
Our model-based fair value for Premium Income Corporation is C$9.48 (as of Jul 17, 2026), built from audited fundamentals. The current price is C$10.75.
What is the quality score of PIC-A?
Premium Income Corporation has a Quality Score of 48/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Premium Income Corporation (PIC-A)?
Premium Income Corporation reported trailing-twelve-month revenue of about C$109M (latest available figure, as of Jul 17, 2026).
What is the net profit margin of PIC-A?
The net profit margin of Premium Income Corporation is about 77.3%, meaning it keeps roughly 77.3% of revenue as net income. Based on the latest reported figures.
Does Premium Income Corporation pay a dividend?
Premium Income Corporation currently shows a dividend yield of about 7.32% relative to its recent price (as of Jul 17, 2026).

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.

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