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

As of Sep 18, 2026: fair value of Premium Group Co., Ltd $6.40, price $12.99, upside -50.7%, quality 39 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? No
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Financial Services · US

PG Premium Group Co., Ltd logo Broad data Sep 23, 2026

Premium Group Co., Ltd

PMMFF · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $6.40 · Strongly overvalued (−51%)
!Quality 39/100
!Expensive Growth (revenue 3y +20.3 %/yr)
✓Solidly profitable · 13.8% net margin (TTM)
!High debt · negative free cash flow
·2.52% dividend yield
!Trails peers (5/13)
✓Wide moat 66/100
!Insider activity 45/100
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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

$14.51 $12.99 Fair Value $6.40 Mar 2025 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

18‑month range $12.99 – $14.51 · fair‑value band $5.13 – $12.25 · the $12.99 price screens above the $6.40 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

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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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.

Stock analysis

Premium Group Co., Ltd (PMMFF) currently trades at $12.99, while our model-based Fair Value estimate is $6.40, implying the stock looks roughly 103.0% overvalued today.

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Valuation

How firm this estimate is: it rests on 15 models at a data quality of 95/100, which puts the evidence level at high.

Scenario range: $5.13 (bear) to $12.25 (bull), the price of $12.99 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 39/100 (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 ¥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.

Key figures

Market cap $564M · P/E ratio 15.3 · P/S ratio 1.95 · EPS (TTM) $0.8500 · Dividend yield 2.5% · Net margin 12.8% · Return on equity 27.5% · Return on assets (EBIT) 4.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 10% 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 −32% fair-value upside, at −51%, PMMFF screens richer than that median.

Fair Value models

Bear $5.13 Fair Value $6.40 Bull $12.25
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
Owner Earnings $735.63 $2,268 $4,968 66
P/E Multiple $1,167 $1,555 $1,944 63
Graham-Dodd $813.63 $5,148 $7,193 61
All 7 models by family
DCF Models
Owner Earnings $735.63 $2,268 $4,968 66
Earnings-Based
Graham-Dodd $813.63 $5,148 $7,193 61
Lynch FV $1,487 $2,124 $2,761 58
Multiples
P/E Multiple $1,167 $1,555 $1,944 63
P/B Multiple $511.15 $681.54 $851.92 55
Asset-Based
NCAV (Graham) $243.41 $326.16 $486.81 54
Economic Profit
Residual Income $685.71 $924.31 $4,045 55

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Quality Score breakdown

Overall quality 39/100

Of which business quality 36 · Market factors (momentum, volatility) 46

Profitability 44
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 31
Balance sheet, leverage, solvency risk
Investment 30
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 29
Price trend over the last 3–12 months (market factor)
52W Momentum 13
Distance to the 52-week high (market factor)
Net Issuance 82
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. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+15.4%
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.
+20.3%
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.
+17.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.5%
Dividend (yield on the price)2.5%
Profit margin 2021 to 2025 ⓘ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 103% 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 · 330 stocks

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 40 · Bottom 25%
Fair Value upside −51% · Bottom 25%
Profitability
Return on equity (TTM) 27% · Top 25%
Return on assets 3% · Above median
Net margin (TTM) 14% · Below median
Operating margin (TTM) 22% · Below median
Growth and dividend
Revenue growth 41% · Top 25%
Dividend yield (TTM) 2.5% · Below median
Balance sheet
Debt / equity 2.71× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (TTM) 15.3× · Pricier than median
P/B 4.73× · Priciest 25%
P/S (TTM) 2.03× · Cheaper than median
EV/EBITDA 11.7× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 48
FUTURE (revenue growth)100 · sector 39
PAST (return on equity)100 · sector 32
HEALTH (low debt)0 · sector 59
DIVIDEND (yield)50 · sector 66

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 $362.04 $227.35 −37%
Mastercard Incorporated MA $555.89 $356.78 −36%
American Express Company AXP $305.07 $206.40 −32%
Capital One Financial Corporation COF $200.55 $125.36 −37%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $71.77 $16.24 −77%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $72.67 $137.28 +89%
SoFi Technologies, Inc SOFI $17.16 $5.57 −68%

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Premium Group Co., Ltd · Fair Value
$6.40 −103%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of $6.40 versus a price of $12.99, about −51% upside (overvalued).
What is the fair value of PMMFF?
Our model-based fair value for Premium Group Co., Ltd is $6.40 (as of Sep 23, 2026), built from audited fundamentals. The current price: $12.99.
What is the quality score of PMMFF?
Premium Group Co., Ltd has a Quality Score of 39/100. 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 $6.40 (as of Sep 23, 2026) from 7 valuation models. Cautious scenario $5.13, optimistic scenario $12.25. 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 $6.40, about −51% upside versus a price of $12.99 (overvalued). Cautious scenario $5.13, optimistic scenario $12.25. 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 ¥44.0B (latest available figure, as of Sep 23, 2026).
Does Premium Group Co., Ltd pay a dividend?
Premium Group Co., Ltd currently shows a dividend yield of about 2.52% relative to its recent price (as of Sep 23, 2026).
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 $6.40 per share (as of Sep 23, 2026), against a price of $12.99. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Premium Group Co., Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PMMFF trades above its calculated fair value: price $12.99, fair value $6.40, a gap of about −51% (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 ($12.99); the fair value is what the company's own numbers justify ($6.40). For Premium Group Co., Ltd the two are $6.59 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 $564M (market capitalisation, as of Sep 23, 2026). Per share that is $12.99; our models calculate a fair value of $6.40 per share.
What do the bullish and bearish scenarios say about PMMFF?
Our models span a range for Premium Group Co., Ltd: cautious scenario $5.13, base $6.40, optimistic $12.25 per share (as of Sep 23, 2026, price $12.99). 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 15.3 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $6.40 is built from several models across several years. Other multiples: P/B 4.7, P/S 2.0, EV/EBITDA 11.7.
How solid is the balance sheet of Premium Group Co., Ltd (PMMFF)?
Balance-sheet figures for Premium Group Co., Ltd (as of Sep 23, 2026): return on equity 27.5%, debt of 2.71 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is PMMFF from its 52-week high?
Premium Group Co., Ltd trades at $12.99, about 10% below its 52-week high of $14.51 and at the low of $12.99 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $6.40 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 Sep 23, 2026: price $12.99, calculated fair value $6.40 (−51%), Quality Score 39/100, from 7 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 7 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 $6.40, 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 14.1 % 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 Sep 18, 2026 was $12.99. Our model-based fair value is $6.40, about −51% upside (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?
The price sits above even our optimistic bull case ($12.25). The favourable scenario is already priced in. Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range ($5.13 to $12.25) 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 $564M. 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 1.95 (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 $0.8500 (price ÷ EPS = P/E 15.3). 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 2.5% (payout 38.5%). 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 12.8% (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 Premium Group Co., Ltd (PMMFF)?
The return on equity (ROE) of Premium Group Co., Ltd is 27.5% (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 4.6% (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 21.6% (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 +41.2% versus a year earlier (3y avg +20.3%). 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 Premium Group Co., Ltd (PMMFF)?
Earnings per share at Premium Group Co., Ltd are growing +262% 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 −¥9.2B (fiscal year 2025). 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 ¥34.0B (fiscal year 2025). 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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