Want to see JP:7199 full AI Analyst Report?
Top Page
Premium Group Co., Ltd.
(7199)
Select Model
Select Model
Rating:70Outperform
Price Target:
¥2,476.00
▲(27.76% Upside)
Action:Reiterated
Date:10/30/26
The score is driven primarily by solid profitability and growth, supported by favorable technical momentum and a reasonable valuation. The main constraint is financial-risk quality: high leverage and historically volatile cash flow reduce confidence in resilience through credit or funding-cycle stress.
Positive Factors
Strong Profitability
High net and EBIT margins indicate that Premium Group converts financing and related-service revenue into substantial operating profit. This profitability provides internal capacity to support investment, absorb some credit pressure, and sustain earnings over the next several quarters.
Negative Factors
High Leverage
Elevated and rising leverage makes Premium Group more sensitive to credit deterioration, funding-cost increases, and liquidity pressure. While leverage supports returns in favorable conditions, it can amplify losses and reduce financial flexibility during a tougher lending cycle.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
High net and EBIT margins indicate that Premium Group converts financing and related-service revenue into substantial operating profit. This profitability provides internal capacity to support investment, absorb some credit pressure, and sustain earnings over the next several quarters.
Read all positive factors
Premium Group Co., Ltd. (7199) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥91.45B
Dividend Yield2.6%
Average Volume (3M)167.74K
Price to Earnings (P/E)13.4
Beta (1Y)0.63
Revenue Growth20.74%
EPS Growth40.62%
CountryJP
Employees899
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)170.17
Shares Outstanding40,762,863
10 Day Avg. Volume186,880
30 Day Avg. Volume167,736
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)179.85
Revenue Forecast (FY)¥51.15B
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
2102.37
Positive
2056.24
Positive
1931.59
Positive
Market Momentum
20.02
Positive
60.91
Neutral
39.20
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 2149.85, below the 50-day MA of 2102.37, and above the 200-day MA of 1931.59, indicating a bullish trend. The MACD of 20.02 indicates Positive momentum. The RSI at 60.91 is Neutral, neither overbought nor oversold. The STOCH value of 39.20 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 |
|---|---|---|---|---|---|---|---|
85 Outperform | ¥410.28B | 12.42 | 13.94% | 4.05% | 2.32% | 3.67% | |
80 Outperform | ¥25.89B | 14.07 | ― | 4.02% | 18.19% | 16.32% | |
79 Outperform | ¥78.29B | 21.26 | ― | 4.75% | 5.01% | 8.58% | |
70 Outperform | ¥91.45B | 13.36 | ― | 2.60% | 20.74% | 40.62% | |
62 Neutral | ¥35.50B | 19.06 | ― | ― | 7.25% | 8.41% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7199
Premium Group Co., Ltd.
2,273.00
356.99
18.63%
JP:7164
Zenkoku Hosho Co
3,088.00
42.48
1.39%
JP:7191
Entrust Inc.
1,157.00
145.21
14.35%
JP:7383
Net Protections Holdings, Inc.
356.00
-442.00
-55.39%
JP:8771
eGuarantee, Inc.
1,727.00
210.00
13.84%
Premium Group Co., Ltd. Corporate Events
Premium Group Secures ¥5 Billion Syndicated Loan to Support Long-Term Growth
Sep 15, 2026
Premium Group Co., Ltd. has approved a new syndicated loan agreement arranged by Aozora Bank to secure working capital for the group’s medium- to long-term growth and to broaden its base of financial institutions. The financing totals 5,000 ...
Premium Group Subsidiary Files ¥5 Billion Counterclaim Over Failed Core System
Sep 10, 2026
Premium Group Co., Ltd. has disclosed that its subsidiary Premium Co., Ltd. has filed a counterclaim against system developer DTS Corporation in the Tokyo District Court over a failed core IT system upgrade for its finance business. After the new ...
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...
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.