PMMF.F Stock Overview

Provides financing and services worldwide. More details

PMMF.F fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	5/6
Past Performance	5/6
Financial Health	3/6
Dividends	2/6

Rewards

Trading at 28.9% below our estimate of its fair value

Earnings are forecast to grow 20.53% per year

Earnings grew by 48.7% over the past year

Analysts in good agreement that stock price will rise by 84.4%

Risk Analysis

Debt is not well covered by operating cash flow

Shares are highly illiquid

Dividend of 1.91% is not well covered by free cash flows

Community vs My Fair Value

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Premium Group Co., Ltd. Competitors

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Yiren Digital

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NerdWallet

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EZCORP

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US$782.9m

Price History & Performance

Summary of share price highs, lows and changes for Premium Group
Historical stock prices
Current Share Price	JP¥14.51
52 Week High	JP¥14.51
52 Week Low	JP¥14.51
Beta	0.42
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	0%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	PMMF.F	US Consumer Finance	US Market
7D	0%	1.9%	0.6%
1Y	n/a	20.3%	7.9%

Return vs Industry: Insufficient data to determine how PMMF.F performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how PMMF.F performed against the US Market.

Price Volatility

Is PMMF.F's price volatile compared to industry and market?
PMMF.F volatility
PMMF.F Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	7.0%
Market Average Movement	6.4%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: PMMF.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine PMMF.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2007	703	Yohichi Shibata	www.premium-group.co.jp

Premium Group Co., Ltd. provides financing and services worldwide. It operates through Finance Business, Automobile Warranty Business, and Auto Mobility Services Business segments. The company 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.

Premium Group Co., Ltd. Fundamentals Summary

How do Premium Group's earnings and revenue compare to its market cap?
PMMF.F fundamental statistics
Market cap	US$534.02m
Earnings (TTM)	US$36.94m
Revenue (TTM)	US$241.06m

14.5x

P/E Ratio

2.2x

P/S Ratio

Is PMMF.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PMMF.F income statement (TTM)
Revenue	JP¥36.00b
Cost of Revenue	JP¥28.20b
Gross Profit	JP¥7.80b
Other Expenses	JP¥2.28b
Earnings	JP¥5.52b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	145.04
Gross Margin	21.66%
Net Profit Margin	15.32%
Debt/Equity Ratio	238.7%

How did PMMF.F perform over the long term?

See historical performance and comparison

Dividends

1.9%

Current Dividend Yield

24%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/23 10:13
End of Day Share Price	2025/03/11 00:00
Earnings	2024/12/31
Annual Earnings	2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Premium Group Co., Ltd. is covered by 7 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null null	Daiwa Securities Co. Ltd.
Koichi Hariya	Ichiyoshi Research Institute Inc.
Wataru Otsuka	Nomura Securities Co. Ltd.