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Market Cap

JP¥34.7b

Last Updated

2021/04/11 08:06 UTC

Data Sources

Company Financials +

Executive Summary

Premium Group Co., Ltd. provides financing and services. More Details


Snowflake Analysis

Moderate growth potential with mediocre balance sheet.

Share Price & News

How has Premium Group's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 7199 is not significantly more volatile than the rest of JP stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: 7199's weekly volatility (5%) has been stable over the past year.


Market Performance


7 Day Return

7.5%

7199

-1.2%

JP Consumer Finance

-0.5%

JP Market


1 Year Return

76.5%

7199

27.5%

JP Consumer Finance

37.5%

JP Market

Return vs Industry: 7199 exceeded the JP Consumer Finance industry which returned 27.5% over the past year.

Return vs Market: 7199 exceeded the JP Market which returned 37.5% over the past year.


Shareholder returns

7199IndustryMarket
7 Day7.5%-1.2%-0.5%
30 Day13.2%-0.2%1.8%
90 Day8.4%15.9%5.2%
1 Year80.0%76.5%30.0%27.5%40.5%37.5%
3 Year95.4%82.6%-5.3%-11.0%21.1%12.7%
5 Yearn/a-14.0%-21.0%59.5%41.9%

Long-Term Price Volatility Vs. Market

How volatile is Premium Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Premium Group undervalued compared to its fair value and its price relative to the market?

25.98x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: 7199 (¥2711) is trading above our estimate of fair value (¥2098.62)

Significantly Below Fair Value: 7199 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: 7199 is poor value based on its PE Ratio (26x) compared to the JP Consumer Finance industry average (13.7x).

PE vs Market: 7199 is poor value based on its PE Ratio (26x) compared to the JP market (18.1x).


Price to Earnings Growth Ratio

PEG Ratio: 7199 is poor value based on its PEG Ratio (1.8x)


Price to Book Ratio

PB vs Industry: 7199 is overvalued based on its PB Ratio (5.2x) compared to the JP Consumer Finance industry average (1x).


Future Growth

How is Premium Group forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

14.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 7199's forecast earnings growth (14.4% per year) is above the savings rate (0%).

Earnings vs Market: 7199's earnings (14.4% per year) are forecast to grow slower than the JP market (16.5% per year).

High Growth Earnings: 7199's earnings are forecast to grow, but not significantly.

Revenue vs Market: 7199's revenue (17.7% per year) is forecast to grow faster than the JP market (5.8% per year).

High Growth Revenue: 7199's revenue (17.7% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 7199's Return on Equity is forecast to be high in 3 years time (27.5%)


Past Performance

How has Premium Group performed over the past 5 years?

14.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 7199 has a high level of non-cash earnings.

Growing Profit Margin: 7199's current net profit margins (8%) are lower than last year (19.1%).


Past Earnings Growth Analysis

Earnings Trend: 7199's earnings have grown by 14.7% per year over the past 5 years.

Accelerating Growth: 7199's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 7199 had negative earnings growth (-46.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (-14.6%).


Return on Equity

High ROE: 7199's Return on Equity (19.9%) is considered low.


Financial Health

How is Premium Group's financial position?


Financial Position Analysis

Short Term Liabilities: 7199's short term assets (¥38.8B) exceed its short term liabilities (¥24.4B).

Long Term Liabilities: 7199's short term assets (¥38.8B) exceed its long term liabilities (¥32.9B).


Debt to Equity History and Analysis

Debt Level: 7199's debt to equity ratio (285.1%) is considered high.

Reducing Debt: Insufficient data to determine if 7199's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: 7199's debt is not well covered by operating cash flow (3.4%).

Interest Coverage: 7199's interest payments on its debt are well covered by EBIT (29.1x coverage).


Balance Sheet


Dividend

What is Premium Group current dividend yield, its reliability and sustainability?

1.66%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 7199's dividend (1.66%) is higher than the bottom 25% of dividend payers in the JP market (1.21%).

High Dividend: 7199's dividend (1.66%) is low compared to the top 25% of dividend payers in the JP market (2.81%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, 7199 has been paying a dividend for less than 10 years.

Growing Dividend: 7199's dividend payments have increased, but the company has only paid a dividend for 3 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (42.6%), 7199's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Yohichi Shibata (60 yo)

no data

Tenure

Mr. Yohichi Shibata serves as President and Representative Director of Premium Group Co., Ltd. Mr. Shibata serves as Chief Executive Officer of Premium Lease Co.,Ltd since 2017, Chief Executive Officer of ...


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Premium Group Co., Ltd.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Premium Group Co., Ltd.
  • Ticker: 7199
  • Exchange: TSE
  • Founded: 2007
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: JP¥34.724b
  • Shares outstanding: 12.81m
  • Website: https://www.premium-group.co.jp

Number of Employees


Location

  • Premium Group Co., Ltd.
  • The Okura Prestige Tower
  • 19th Floor
  • Tokyo
  • 105-0001
  • Japan

Listings


Biography

Premium Group Co., Ltd. provides financing and services. The company offers automobile credit financing and leasing services; develops and sells warranty products; and checks, inspects, repairs, and mainta...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/11 08:06
End of Day Share Price2021/04/09 00:00
Earnings2020/12/31
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.