Premium Group Co., Ltd. (JP:7199)
:7199
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Premium Group Co., Ltd.
(7199)
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Rating:56Neutral
Price Target:
¥1,679.00
▼(-13.36% Downside)
Action:ReiteratedDate:02/18/26
The score is primarily held back by financial quality concerns—especially negative operating/free cash flow and elevated leverage—despite solid profitability and multi-year revenue growth. Weak technical signals (price below key moving averages and negative MACD) add near-term pressure, while a reasonable P/E and a ~2.54% dividend yield provide partial support.
Positive Factors
Business model / dealer network
Premium Group’s core business is auto financing and complementary services across a partner-dealer network. This vertically aligned model creates durable origination channels, cross-sell opportunities (warranties, after-sales) and structural exposure to used-car transaction volumes that support recurring revenue over months to years.
Negative Factors
Negative operating and free cash flow
TTM negative operating and free cash flow indicate cash generation has diverged from reported net income, likely from working-capital or lending-related use. Persistent negative cash flow reduces internal funding, constrains reinvestment, and raises reliance on external liquidity over the coming months, increasing financial fragility.
Read all positive and negative factors
Positive Factors
Negative Factors
Business model / dealer network
Premium Group’s core business is auto financing and complementary services across a partner-dealer network. This vertically aligned model creates durable origination channels, cross-sell opportunities (warranties, after-sales) and structural exposure to used-car transaction volumes that support recurring revenue over months to years.
Read all positive factors
Premium Group Co., Ltd. (7199) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥72.37B
Dividend Yield2.44%
Average Volume (3M)176.36K
Price to Earnings (P/E)12.8
Beta (1Y)0.74
Revenue Growth15.20%
EPS Growth-16.02%
CountryJP
Employees703
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)37.77
Shares Outstanding40,710,663
10 Day Avg. Volume168,960
30 Day Avg. Volume176,356
Financial Highlights & Ratios
PEG Ratio6.31
Price to Book (P/B)4.17
Price to Sales (P/S)2.17
P/FCF Ratio-8.61
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)198.9
Revenue Forecast (FY)¥47.85B
Premium Group Co., Ltd. Business Overview & Revenue Model
Company Description
Premium Group Co., Ltd. provides financing and services. It operates through three segments: Finance Business, Automobile Warranty Business, and Automotive Mobility Services Business. The company offers automobile leasing, collection, salvaging, a...
How the Company Makes Money
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Premium Group Co., Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 40.35B | 36.41B | 31.55B | 25.46B | 20.89B | 0.00 |
| Gross Profit | 5.92B | 36.41B | 6.20B | 25.46B | 20.89B | -98.00M |
| EBITDA | 8.68B | 8.67B | 7.83B | 5.66B | 5.16B | 5.01B |
| Net Income | 4.60B | 4.65B | 4.61B | 3.99B | 2.94B | 2.38B |
Balance Sheet | ||||||
| Total Assets | 191.02B | 184.99B | 125.27B | 101.99B | 81.80B | 68.16B |
| Cash, Cash Equivalents and Short-Term Investments | 109.76B | 91.88B | 21.15B | 14.86B | 11.43B | 8.05B |
| Total Debt | 80.64B | 65.62B | 53.41B | 41.33B | 28.69B | 23.91B |
| Total Liabilities | 167.50B | 166.04B | 109.92B | 88.58B | 71.99B | 60.87B |
| Stockholders Equity | 23.50B | 18.92B | 15.31B | 13.38B | 9.71B | 7.21B |
Cash Flow | ||||||
| Free Cash Flow | -8.93B | -9.17B | 2.10B | -2.60B | 789.00M | 110.00M |
| Operating Cash Flow | -8.35B | -7.76B | 2.49B | -449.00M | 1.61B | 1.32B |
| Investing Cash Flow | -1.76B | -2.46B | -3.09B | -2.32B | -1.03B | -1.17B |
| Financing Cash Flow | 35.24B | 6.22B | 6.89B | 6.18B | 2.80B | 1.62B |
Premium Group Co., Ltd. Technical Analysis
Neutral
1938.00
Price Trends
1763.44
Positive
1807.28
Negative
1954.35
Negative
Market Momentum
4.23
Negative
56.53
Neutral
88.83
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7199, the sentiment is Neutral. The current price of 1938 is above the 20-day moving average (MA) of 1716.35, above the 50-day MA of 1763.44, and below the 200-day MA of 1954.35, indicating a neutral trend. The MACD of 4.23 indicates Negative momentum. The RSI at 56.53 is Neutral, neither overbought nor oversold. The STOCH value of 88.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7199.
Premium Group Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥78.47B | 21.69 | ― | 2.02% | 13.52% | 7.75% | |
81 Outperform | ¥25.44B | 17.71 | ― | 2.50% | 16.70% | 22.23% | |
72 Outperform | ¥3.25B | 3.97 | ― | 2.04% | 12.86% | -63.06% | |
69 Neutral | ¥445.37B | 16.35 | 14.42% | 4.80% | 10.39% | 12.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | ¥41.08B | 20.82 | ― | ― | 13.25% | 1251.39% | |
56 Neutral | ¥72.37B | 12.85 | ― | 2.44% | 15.20% | -16.02% |
* Financial Sector Average
JP:7199
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Premium Group Co., Ltd. Corporate Events
Premium Group Unit Secures ¥5 Billion Covenant-Linked Loan from Aozora Bank
Mar 24, 2026
Premium Group has approved a plan for its consolidated subsidiary Premium Co., Ltd. to enter into a long-term loan agreement with Aozora Bank, securing ¥5 billion in unsecured financing at a fixed interest rate. The funds will serve as workin...
Premium Group Begins Share Buyback Under ¥1 Billion Treasury Stock Program
Mar 2, 2026
Premium Group Co., Ltd. has disclosed that it repurchased 126,900 shares of its common stock on the Tokyo Stock Exchange between February 12 and February 28, 2026, for a total of ¥231.6 million through market purchases executed via a securiti...
Premium Group Unveils Q3 FY2026 Results and Outlook
Feb 10, 2026
Premium Group Co., Ltd. has released its financial results presentation for the third quarter of the fiscal year ending March 31, 2026. The materials outline quarterly performance, a full-year earnings forecast, and key performance indicators acro...
Premium Group Launches ¥1 Billion Share Buyback to Boost Capital Efficiency
Feb 10, 2026
Premium Group Co., Ltd. has approved a new share repurchase program, authorizing the acquisition of up to 700,000 shares, or about 1.8% of its outstanding stock, for a maximum of ¥1 billion through market purchases on the Tokyo Stock Exchange...
Premium Group Lifts Full-Year Outlook as Revenue Climbs but Margins Tighten
Feb 10, 2026
Premium Group reported third-quarter operating revenue of ¥31.37 billion, up 14.4% year on year, while operating profit fell 5.8% and profit attributable to owners of parent dipped 1.2%, indicating margin pressure despite solid top-line growt...
Premium Group to Record ¥3.0 Billion in Dividends from Subsidiaries in Parent-Only Earnings
Jan 23, 2026
Premium Group Co., Ltd. has approved the receipt of surplus dividends totaling ¥3,029 million from three consolidated subsidiaries—Premium Co., Ltd., Premium Warranty Services Co., Ltd., and Car Premium Co., Ltd.—with payment sche...
Premium Group to Merge Key Subsidiaries in Push for Integrated Auto Mobility Platform
Jan 23, 2026
Premium Group Co., Ltd. has approved an absorption-type merger of four wholly owned consolidated subsidiaries—Premium Co., Ltd., Premium Warranty Services Co., Ltd., Premium Mobility Services Co., Ltd., and Car Premium Co., Ltd.—with P...
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.