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Premium Group CoTSE:7199 -0.19%84 Current Ratio is 15.22 as of Mar. 2026, which is 5% below its 10-year median of 16.08. GuruFocus rates TSE:7199 with a GF Score™ of 84/100 and a GF Value™ of 円2,798.09 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 400 Credit Services companies, Premium Group Co ranks better than 63% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Premium Group Co's current ratio for the quarter that ended in Mar. 2026 was 15.22.
Premium Group Co has a current ratio of 15.22. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Premium Group Co's Current Ratio or its related term are showing as below:
TSE:7199'
s Current Ratio Range Over the Past 10 Years
Min: 9.02 Med: 16.08 Max: 24.64
Current: 15.22
During the past 11 years, Premium Group Co's highest Current Ratio was 24.64. The lowest was 9.02. And the median was 16.08.
TSE:7199's Current Ratio is ranked better than 63% of 400
companies
in the Credit Services industry
Industry Median: 4.05
vs TSE:7199: 15.22
Premium Group Co (TSE:7199) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Premium Group Co Current Ratio Related Terms
Premium Group Co Current Ratio Historical Data
* Premium members only.
The historical data trend for Premium Group Co's Current 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 Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premium Group Co's Current Ratio distribution charts can be found below:
* The bar in red indicates where Premium Group Co's Current 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 (TSE:7199) has a Current Ratio of 15.22 as of Mar. 2026. This is near median its historical median of 16.08. Over the past decade, Premium Group Co's Current Ratio has ranged from 9.02 to 24.64. According to the industry distribution chart, Premium Group Co ranks #148 out of 400 companies in the Credit Services industry, placing it in the top 37%.
Is Premium Group Co's Current Ratio too high?
Premium Group Co's current Current Ratio of 15.22 is near median its 10-year median of 16.08. Over the past 10 years, this metric has ranged from a low of 9.02 to a high of 24.64. The Credit Services industry median Current Ratio is 4.05. Premium Group Co's value of 15.22 is 275.8% above this industry median. Based on the distribution chart, Premium Group Co ranks #148 out of 400 companies in the Credit Services industry, which is above the industry midpoint. Overall, Premium Group Co has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Premium Group Co's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Premium Group Co ranks #148 out of 400 companies for Current Ratio. This puts Premium Group Co in the upper half of its industry. The industry median Current Ratio is 4.05. Premium Group Co's value of 15.22 is 275.8% above this benchmark. Historically, Premium Group Co's own Current Ratio has ranged from 9.02 to 24.64 over the past decade. While the company's 10-year median is 16.08 vs. the industry median of 4.05, 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.05, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premium Group Co's current Current Ratio of 15.22 is 275.8% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premium Group Co's current Current Ratio is 15.22, which is near median its own 10-year median of 16.08. 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 (TSE:7199) is currently considered Modestly Undervalued. The stock's GF Value™ is 円2,798.09, compared to a current price of 円2,051.00 — trading 26.7% below its estimated fair value. The current Current Ratio is 15.22, which is near median its 10-year median of 16.08 and 275.8% above the Credit Services industry median of 4.05. Premium Group Co's overall GF Score™ is 84/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Premium Group Co (TSE:7199), the current Current Ratio is 15.22 as of Mar. 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 (TSE:7199) Overvalued in 2026?
Based on GuruFocus' analysis, Premium Group Co stock appears to be undervalued.
The current stock price of 円2,051.00 is trading 26.7% below its estimated GF Value™ of 円2,798.09.
GuruFocus considers Premium Group Co to be Modestly Undervalued.
Key valuation signals for TSE:7199:
Current Ratio: 15.22 (near median its 10-year median of 16.08)
GF Value™: 円2,798.09 vs. price of 円2,051.00 (26.7% below fair value)
Industry Position: 275.8% above the Credit Services median (#148 of 400)
No single metric tells the full story. See the TSE:7199 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.
84GF Score
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