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Premium Group Co., Ltd. (7199) AI Stock Analysis
Premium Group Co., Ltd.
(TSE/TYO:7199)
The overall score of 80 is primarily driven by outstanding revenue and earnings growth, alongside exceptional profitability and returns on equity. Technical indicators reinforce this strength, showing a well-defined uptrend and healthy bullish momentum. Furthermore, the stock offers an attractive valuation with a reasonable P/E ratio and solid dividend yield. While historical cash flow volatility and high leverage present minor risks, recent substantial improvements in cash generation mitigate these concerns and solidify the company's strong financial profile.
Premium Group Co., Ltd. (7199) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 88.05B
- Dividend Yield
- 2.60%
- Average Volume (3M)
- 211.50K
- Price to Earnings (P/E)
- 13.4
- Beta (1Y)
- 0.63
- Revenue Growth
- 20.74%
- EPS Growth
- 40.62%
- Country
- Japan
- Employees
- 899
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
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 three...
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 and/o...
Premium Group Co., Ltd. Financial Statement Overview
Summary
Displays robust top-line and net income growth with excellent margins, including a 14.4% net profit margin. Exceptional Return on Equity (27.1%) and vastly improved TTM cash flow generation showcase solid earnings quality, effectively outweighing the high leverage standard to the credit services sector.
Income Statement
85Very PositiveBalance Sheet
75PositiveCash Flow
70Positive| 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
Price Trends
Market Momentum
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 2217.00 is above the 20-day moving average (MA) of 2158.30, above the 50-day MA of 2106.29, and above the 200-day MA of 1933.78, indicating a bullish trend. The MACD of 27.65 indicates Negative momentum. The RSI at 62.50 is Neutral, neither overbought nor oversold. The STOCH value of 59.70 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
Overall Rating
JP:716485Outperform
JP:719180Outperform- JP:719980Outperform
JP:877179Outperform
JP:738372Outperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:7164 | 85Outperform | JPY 410.28B | 12.42 | 13.94% | 4.05% | 2.32% | 3.67% |
| JP:7191 | 80Outperform | JPY 25.89B | 14.07 | ― | 4.02% | 18.19% | 16.32% |
| JP:7199 | 80Outperform | JPY 91.45B | 13.36 | ― | 2.60% | 20.74% | 40.62% |
| JP:8771 | 79Outperform | JPY 78.29B | 21.25 | ― | 4.99% | 5.01% | 8.58% |
| JP:7383 | 72Outperform | JPY 35.50B | 19.06 | ― | ― | 7.25% | 8.41% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:7199 | Premium Group Co., Ltd. | 2273.00 | 356.99 | 18.63% | |
| JP:7164 | Zenkoku Hosho Co | 3088.00 | 42.48 | 1.39% | |
| JP:7191 | Entrust Inc. | 1157.00 | 145.21 | 14.35% | |
| JP:7383 | Net Protections Holdings, Inc. | 356.00 | -447.00 | -55.67% | |
| JP:8771 | eGuarantee, Inc. | 1727.00 | 210.00 | 13.84% |
Premium Group Co., Ltd. Corporate Events
Premium Group Secures ¥5 Billion Syndicated Loan to Support Long-Term Growth
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 mil...
Premium Group Subsidiary Files ¥5 Billion Counterclaim Over Failed Core System
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 sys...
Premium Group Unveils Q1 FY2027 Financial Results and Strategy Outline
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 descr...
Premium Group lifts profits in Q1 and targets higher full-year earnings and dividends
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 attrib...
Premium Group Nears Completion of ¥1 Billion Share Buyback Program
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. This...
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.
Date of analysis: Oct 30, 2026