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Premium Group Co., Ltd.
(7199)
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Rating:71Outperform
Price Target:
¥2,358.00
▲(21.67% Upside)
Action:Upgraded
Date:08/17/26
The score is led by solid profitability and growth metrics, supported by a clear positive technical trend and a reasonable valuation. The main offset is financial risk from higher leverage and historically volatile operating/free cash flow, which reduces confidence in cash conversion stability.
Positive Factors
Strong Profitability
High net and EBIT margins indicate that Premium Group converts lending and related financial-services revenue into substantial operating profit, providing a durable earnings base if credit performance and funding access remain controlled.
Negative Factors
Elevated Leverage
High leverage makes the lending model more sensitive to credit losses, funding-cost increases and liquidity stress. A weaker credit cycle could therefore amplify pressure on earnings, capital resilience and the ability to sustain expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
High net and EBIT margins indicate that Premium Group converts lending and related financial-services revenue into substantial operating profit, providing a durable earnings base if credit performance and funding access remain controlled.
Read all positive factors
Premium Group Co., Ltd. (7199) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥85.79B
Dividend Yield2.53%
Average Volume (3M)176.36K
Price to Earnings (P/E)12.6
Beta (1Y)0.59
Revenue Growth20.74%
EPS Growth40.62%
CountryJP
Employees899
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding40,747,660
10 Day Avg. Volume168,960
30 Day Avg. Volume176,356
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)2.55
Price to Sales (P/S)1.46
P/FCF Ratio-11.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Premium Group Co., Ltd. Business Overview & Revenue Model
Company Description
Headquartered in Tokyo, Japan, Premium Group Co., Ltd. was established in 2007 and specializes in delivering diverse financial and service solutions primarily within the automotive sector. The company's business activities are structured across th...
How the Company Makes Money
Premium Group Co., Ltd. generates revenue primarily through financial services tied to automobile purchases and dealer operations. Key revenue streams include: (1) Finance income from auto credit/loan products: the company earns interest income an...
Premium Group Co., Ltd. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
62
Positive
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 45.92B | 44.04B | 36.41B | 31.55B | 25.46B | 20.89B |
| Gross Profit | 6.66B | 6.25B | 36.41B | 6.20B | 25.46B | 20.89B |
| EBITDA | 11.82B | 10.86B | 8.67B | 7.83B | 5.66B | 5.16B |
| Net Income | 6.60B | 6.07B | 4.65B | 4.61B | 3.99B | 2.94B |
Balance Sheet | ||||||
| Total Assets | 195.31B | 198.97B | 184.99B | 125.27B | 101.99B | 81.80B |
| Cash, Cash Equivalents and Short-Term Investments | 115.46B | 117.23B | 91.88B | 21.15B | 14.86B | 11.43B |
| Total Debt | 82.91B | 85.01B | 65.62B | 53.41B | 41.33B | 28.69B |
| Total Liabilities | 169.75B | 173.67B | 166.04B | 109.92B | 88.58B | 71.99B |
| Stockholders Equity | 25.55B | 25.27B | 18.92B | 15.31B | 13.38B | 9.71B |
Cash Flow | ||||||
| Free Cash Flow | 6.89B | -5.64B | -9.17B | 2.10B | -2.60B | 789.00M |
| Operating Cash Flow | 7.71B | -4.88B | -7.76B | 2.49B | -449.00M | 1.61B |
| Investing Cash Flow | -2.88B | -1.93B | -2.46B | -3.09B | -2.32B | -1.03B |
| Financing Cash Flow | 10.07B | 32.15B | 6.22B | 6.89B | 6.18B | 2.80B |
Premium Group Co., Ltd. Technical Analysis
Positive
1938.00
Price Trends
2075.04
Positive
1982.84
Positive
1900.93
Positive
Market Momentum
16.19
Positive
54.59
Neutral
56.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7199, the sentiment is Positive. The current price of 1938 is below the 20-day moving average (MA) of 2106.35, below the 50-day MA of 2075.04, and above the 200-day MA of 1900.93, indicating a bullish trend. The MACD of 16.19 indicates Positive momentum. The RSI at 54.59 is Neutral, neither overbought nor oversold. The STOCH value of 56.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7199.
Premium Group Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | ¥442.89B | 12.90 | 13.93% | 4.80% | 2.32% | 3.67% | |
80 Outperform | ¥26.40B | 14.40 | ― | 2.63% | 17.21% | 23.84% | |
79 Outperform | ¥82.73B | 22.34 | ― | 2.02% | 5.01% | 8.58% | |
71 Outperform | ¥85.79B | 12.61 | ― | 2.44% | 20.74% | 40.62% | |
62 Neutral | ¥46.13B | 25.11 | ― | ― | 7.25% | 8.41% | |
56 Neutral | ¥4.57B | 19.40 | ― | 2.04% | 14.35% | 268.68% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Premium Group Co., Ltd. Corporate Events
Premium Group Unveils Q1 FY2027 Financial Results and Strategy Outline
Aug 10, 2026
Premium Group Co., Ltd. has released its financial results presentation for the first quarter of the fiscal year ending March 31, 2027, outlining its performance and strategic direction. The presentation covers the company’s core business de...
Premium Group lifts profits in Q1 and targets higher full-year earnings and dividends
Aug 10, 2026
Premium Group Co., Ltd. reported strong first-quarter results for the fiscal year ending March 31, 2027, with operating revenue rising 18.2% year on year to ¥12,174 million and operating profit surging 58.6% to ¥2,514 million. Profit att...
Premium Group Nears Completion of ¥1 Billion Share Buyback Program
Aug 3, 2026
Premium Group Co., Ltd. has completed a share buyback under the authority of its Articles of Incorporation, acquiring 107,400 shares of its common stock on the Tokyo Stock Exchange between July 1 and July 24, 2026 for a total of 220,741,900 yen. T...
Premium Group Completes Treasury Share Disposal for Restricted Awards
Jul 23, 2026
Premium Group Co., Ltd. has completed the payment procedures for the disposal of treasury shares under its restricted share award program approved by the board on June 24, 2026. The move reflects the company’s continued use of equity-based c...
Premium Group Launches Retail Car Premium Bonds to Diversify Funding
Jul 17, 2026
Premium Group has set the issuance terms for its first corporate bonds targeted at individual investors, branded as Car Premium Bonds, as it seeks to broaden funding sources and deepen engagement with retail investors. The three-year unsecured str...
Premium Group Launches First Public Bond and Retail Car Premium Bonds to Fund Growth
Jul 10, 2026
Premium Group has set terms for its inaugural domestic public unsecured bond for institutional investors and outlined preliminary terms for a second issue branded as Car Premium Bonds aimed at individual investors. The institutional bond totals 6....
Premium Group launches first retail “Car Premium Bonds” to fund auto mobility growth
Jul 10, 2026
Premium Group Co., Ltd. will issue its first corporate bonds for individual investors, branded as “Car Premium Bonds”, to diversify funding sources and deepen engagement with retail investors. The move supports continued business growt...
Premium Group to Raise ¥6.5 Billion via First Series of Unsecured Bonds
Jul 10, 2026
Premium Group Co., Ltd. has decided to issue its First Series of Unsecured Straight Bonds, a three-year, publicly offered issue totaling 6.5 billion yen, carrying an annual interest rate of 2.536 percent and rated A- by Japan Credit Rating Agency ...
Premium Group Advances Share Buyback, Repurchases 418,300 Shares Under 2026 Program
Jul 1, 2026
Premium Group Co., Ltd. reported that it acquired 239,300 shares of its own common stock for a total of ¥454.2 million between June 1 and June 30, 2026, through market purchases on the Tokyo Stock Exchange. The buyback is conducted under the ...
Premium Group to Grant Performance-Linked Restricted Shares to Executives
Jun 24, 2026
Premium Group has approved the disposal of 160,000 treasury shares as restricted share awards to three internal directors and ten executive officers, at a price of 1,938 yen per share for total proceeds of 310.08 million yen. The awards, structure...
Premium Group Advances Share Buyback Program on TSE
Jun 1, 2026
Premium Group Co., Ltd. has repurchased 4,900 shares of its common stock for a total of ¥9,263,400 through market purchases on the Tokyo Stock Exchange between May 1 and May 31, 2026. This buyback is part of a broader capital policy authorize...
Premium Group Overhauls Restricted Stock Plan to Tie Executive Pay to Performance
May 26, 2026
Premium Group has resolved to revise its restricted stock remuneration plan for internal directors, introducing performance conditions and expanding the framework ahead of shareholder approval at its June 2026 annual meeting. The move is designed ...
Premium Group to Take Control of Philippine Lender EFC in Southeast Asia Push
May 26, 2026
Premium Group Co., Ltd. has approved an additional share acquisition in Etomo Financing Corporation in the Philippines, raising its effective stake to 90.8% and converting the entity from an equity-method affiliate into a consolidated subsidiary. ...
Premium Group Lifts Year-End Dividend, Boosts Annual Payout 35%
May 26, 2026
Premium Group has approved a year-end dividend of ¥27 per share for the fiscal year ended March 31, 2026, matching its latest forecast and lifting the total annual dividend to ¥54 per share from ¥40 a year earlier. The total payout ...
Premium Group Seeks Shareholder Approval to Reappoint Full Board at June Meeting
May 26, 2026
Premium Group has resolved at its May 26, 2026 board meeting to nominate six director candidates for approval at its 11th Annual General Meeting of Shareholders scheduled for June 24, 2026. All current directors, including President and CEO Yohich...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.