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Premium Group CoPMMFF 70 Cash Ratio is 42.14 as of Jun. 2026, which is 135% above its 10-year median of 17.94. GuruFocus rates PMMFF with a GF Score™ of 70/100 and a GF Value™ of $19.15 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 390 Credit Services companies, Premium Group Co ranks better than 92.31% on this metric.
Premium Group Co has a Cash Ratio of 42.14. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
The historical rank and industry rank for Premium Group Co's Cash Ratio or its related term are showing as below:
PMMFF'
s Cash Ratio Range Over the Past 10 Years
Min: 9.02 Med: 17.94 Max: 79.27
Current: 42.13
During the past 11 years, Premium Group Co's highest Cash Ratio was 79.27. The lowest was 9.02. And the median was 17.94.
PMMFF's Cash Ratio is ranked better than 92.31% of 390
companies
in the Credit Services industry
Industry Median: 0.54
vs PMMFF: 42.13
Premium Group Co (OTCPK:PMMFF) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Premium Group Co Cash Ratio Related Terms
Premium Group Co Cash Ratio Historical Data
* Premium members only.
The historical data trend for Premium Group Co's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Premium Group Co's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Premium Group Co Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premium Group Co's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Premium Group Co's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Premium Group Co (PMMFF) has a Cash Ratio of 42.14 as of Jun. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Premium Group Co and its competitors. This is 135% above median its historical median of 17.94. Over the past decade, Premium Group Co's Cash Ratio has ranged from 9.02 to 79.27. According to the industry distribution chart, Premium Group Co ranks #30 out of 390 companies in the Credit Services industry, placing it in the top 7.7%.
Is Premium Group Co's Cash Ratio too high?
Premium Group Co's current Cash Ratio of 42.14 is 135% above median its 10-year median of 17.94. Over the past 10 years, this metric has ranged from a low of 9.02 to a high of 79.27. The Credit Services industry median Cash Ratio is 0.54. Premium Group Co's value of 42.14 is 7703.7% above this industry median. Based on the distribution chart, Premium Group Co ranks #30 out of 390 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Premium Group Co has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premium Group Co's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Premium Group Co ranks #30 out of 390 companies for Cash Ratio. This places Premium Group Co in the top 8% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.54. Premium Group Co's value of 42.14 is 7703.7% above this benchmark. Historically, Premium Group Co's own Cash Ratio has ranged from 9.02 to 79.27 over the past decade. While the company's 10-year median is 17.94 vs. the industry median of 0.54, Premium Group Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.54, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premium Group Co's current Cash Ratio of 42.14 is 7703.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Premium Group Co and its competitors. For the Credit Services industry, the median Cash Ratio is 0.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premium Group Co's current Cash Ratio is 42.14, which is 135% above median its own 10-year median of 17.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Premium Group Co stock overvalued right now?
Based on GuruFocus' analysis, Premium Group Co (PMMFF) is currently considered Possible Value Trap. The stock's GF Value™ is $19.15, compared to a current price of $12.99 — trading 32.2% below its estimated fair value. The current Cash Ratio is 42.14, which is 135% above median its 10-year median of 17.94 and 7703.7% above the Credit Services industry median of 0.54. Premium Group Co's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Premium Group Co (PMMFF), the current Cash Ratio is 42.14 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Premium Group Co (PMMFF) Overvalued in 2026?
Based on GuruFocus' analysis, Premium Group Co stock appears to be undervalued.
The current stock price of $12.99 is trading 32.2% below its estimated GF Value™ of $19.15.
GuruFocus considers Premium Group Co to be Possible Value Trap.
Key valuation signals for PMMFF:
Cash Ratio: 42.14 (135% above median its 10-year median of 17.94)
GF Value™: $19.15 vs. price of $12.99 (32.2% below fair value)
Industry Position: 7703.7% above the Credit Services median (#30 of 390)
No single metric tells the full story. See the PMMFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Premium Group Co Ltd is a Japan-based company offers financing service. The company is involved in automobile credit financing, automobile warranty business, consulting, warranty product development, and market research and various other businesses.
70GF Score
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