Premium Group (PMMFF) Fair Value & Analysis
Financial Services · US · Market cap $564M
Premium Group
PMMFF · US
Fair value as of: Jul 27, 2026
From 7 valuation models · updated 14 days ago
Fair value updated Jul 27, 2026, revised from $6.40 to $6.30 (−1.6%) since Jun 26, 2026. Share price −10.5% over the past month.
Below-average quality, and screening another 52% overvalued on our models.
What matters now
- Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The model range is unusually wide ($6.30 to $18.25). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (17 months)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
17‑month range $12.99 – $14.51 · fair‑value band $6.30 – $18.25 · the $12.99 price screens above the $6.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Premium Group (PMMFF) currently trades at $12.99, while our model-based Fair Value estimate is $6.30, implying the stock looks roughly 51.5% overvalued today. The Quality Score stands at 39/100 (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: high).
Over the trailing twelve months, Premium Group generated revenue of $44.0B at a net margin of 13.8%. Revenue grew 41.2% year over year. It earns a return on equity of 27.5%. Net debt stands at $34.0B. Fundamentals as of Jul 27, 2026
Our scenario range runs from $6.30 (bear case) to $18.25 (bull case); at $12.99, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 10% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -52%, PMMFF screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 7 models by family
Widest divergence: DCF Models ($2,221) versus Asset-Based ($326.16). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 36 · Market factors (momentum, volatility) 48
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Premium Group reported revenue of $36.4B in FY2025 versus $18.6B in FY2021, a compound +18.3%/yr. Reported net income was $4.7B in FY2025, compounding +18.2%/yr from FY2021.
PMMFF screens 52% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 333 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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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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