Premium Group Co., Ltd. (JP:7199)
:7199
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Premium Group Co., Ltd.
(7199)
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Rating:64Neutral
Price Target:
¥2,196.00
▲(13.31% Upside)
Action:Reiterated
Date:05/12/26
The score is primarily held back by financial risk factors—high leverage and inconsistent/negative recent cash flows—despite strong profitability. Technicals are supportive with an established uptrend but look stretched on RSI, while valuation is a relative positive with a low P/E and a moderate dividend yield.
Positive Factors
Niche business model
Premium Group's focus on financing and value-added services for used-car transactions creates a durable, specialized business model. Serving dealers and buyers builds recurring finance revenue, customer data advantages and cross-sell opportunities that support steady cashflows and defensible market position over the medium term.
Negative Factors
High leverage
Meaningful leverage increases sensitivity to interest-rate moves and credit-market disruptions. Elevated debt levels constrain financial flexibility, raise refinancing risk, and limit the firm's ability to absorb losses or pursue growth without higher funding costs or additional external capital during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Niche business model
Premium Group's focus on financing and value-added services for used-car transactions creates a durable, specialized business model. Serving dealers and buyers builds recurring finance revenue, customer data advantages and cross-sell opportunities that support steady cashflows and defensible market position over the medium term.
Read all positive factors
Premium Group Co., Ltd. (7199) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥79.92B
Dividend Yield2.44%
Average Volume (3M)176.36K
Price to Earnings (P/E)10.6
Beta (1Y)0.73
Revenue Growth20.96%
EPS Growth28.21%
CountryJP
Employees703
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)157.21
Shares Outstanding40,710,663
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)186.47
Revenue Forecast (FY)¥48.00B
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
78
Positive
Balance Sheet
54
Neutral
Cash Flow
33
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 44.04B | 36.41B | 31.55B | 25.46B | 20.89B |
| Gross Profit | 6.25B | 36.41B | 6.20B | 25.46B | 20.89B |
| EBITDA | 10.86B | 8.67B | 7.83B | 5.66B | 5.16B |
| Net Income | 6.07B | 4.65B | 4.61B | 3.99B | 2.94B |
Balance Sheet | |||||
| Total Assets | 198.97B | 184.99B | 125.27B | 101.99B | 81.80B |
| Cash, Cash Equivalents and Short-Term Investments | 117.23B | 91.88B | 21.15B | 14.86B | 11.43B |
| Total Debt | 85.01B | 65.62B | 53.41B | 41.33B | 28.69B |
| Total Liabilities | 173.67B | 166.04B | 109.92B | 88.58B | 71.99B |
| Stockholders Equity | 25.27B | 18.92B | 15.31B | 13.38B | 9.71B |
Cash Flow | |||||
| Free Cash Flow | -5.64B | -9.17B | 2.10B | -2.60B | 789.00M |
| Operating Cash Flow | -4.88B | -7.76B | 2.49B | -449.00M | 1.61B |
| Investing Cash Flow | -1.93B | -2.46B | -3.09B | -2.32B | -1.03B |
| Financing Cash Flow | 32.15B | 6.22B | 6.89B | 6.18B | 2.80B |
Premium Group Co., Ltd. Technical Analysis
Positive
1938.00
Price Trends
1802.02
Positive
1820.30
Positive
1934.45
Positive
Market Momentum
45.46
Negative
61.69
Neutral
32.71
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 above the 20-day moving average (MA) of 1875.70, above the 50-day MA of 1802.02, and above the 200-day MA of 1934.45, indicating a bullish trend. The MACD of 45.46 indicates Negative momentum. The RSI at 61.69 is Neutral, neither overbought nor oversold. The STOCH value of 32.71 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥422.94B | 12.89 | 14.42% | 4.80% | 3.10% | 2.91% | |
75 Outperform | ¥24.27B | 13.71 | ― | 2.50% | 16.18% | 28.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥79.61B | 20.71 | ― | 2.02% | 7.88% | 6.55% | |
65 Neutral | ¥39.00B | 20.77 | ― | ― | 9.59% | 25.89% | |
64 Neutral | ¥79.92B | 10.60 | ― | 2.44% | 20.96% | 28.21% | |
60 Neutral | ¥4.60B | 11.42 | ― | 2.04% | 14.62% | 225.91% |
* Financial Sector Average
JP:7199
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Premium Group Co., Ltd. Corporate Events
Premium Group Unveils FY 2026 Results and Change & Prove 2030 Plan
May 11, 2026
Premium Group Co., Ltd. released its financial results presentation for the fiscal year ended March 31, 2026, and announced the availability of a video briefing on its investor relations website. The company outlined performance and plans across i...
Premium Group Unveils “Change & Prove 2030” Medium-Term Plan
May 11, 2026
Premium Group Co., Ltd. has introduced a new medium-term management plan titled “Change Prove 2030,” targeting the fiscal year ending March 31, 2030 as its final year. The strategy is centered on completing its Auto Mobility Ecosystem...
Premium Group lifts profits and dividend as consolidated growth accelerates
May 11, 2026
Premium Group reported strong consolidated results for the fiscal year ended March 31, 2026, with operating revenue rising 21.0% to ¥44.0 billion and profit attributable to owners of the parent climbing 30.5% to ¥6.07 billion, supported ...
Premium Group Details Progress of Ongoing Share Buyback Program
May 1, 2026
Premium Group Co., Ltd. has reported the latest progress of its ongoing share buyback program authorized under Article 459, Paragraph 1 of the Companies Act. Between April 1 and April 30, 2026, the company repurchased 9,300 of its own common share...
Premium Group Advances Share Buyback Under Board-Approved Program
Apr 1, 2026
Premium Group Co., Ltd. has acquired 37,900 shares of its own common stock for 68.25 million yen via market purchases on the Tokyo Stock Exchange between March 1 and March 31, 2026. The buyback is being executed under the company’s Articles ...
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...
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.