Premia Finance SpAMIL:PFI 62 EBITDA Margin % is 1.17% as of Dec. 2025, which is 86% below its 10-year median of 8.53. GuruFocus rates MIL:PFI with a GF Score™ of 62/100 and a GF Value™ of €1.54 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 414 Credit Services companies, Premia Finance SpA ranks worse than 73.43% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Premia Finance SpA's EBITDA for the
six
months ended in Dec. 2025 was €0.04 Mil. Premia Finance SpA's Revenue for the
six
months ended in Dec. 2025 was €3.25 Mil. Therefore, Premia Finance SpA's EBITDA margin for the quarter that ended in Dec. 2025 was 1.17%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Premia Finance SpA EBITDA Margin % Related Terms
Premia Finance SpA EBITDA Margin % Historical Data
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The historical data trend for Premia Finance SpA's EBITDA Margin % 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, Premia Finance SpA's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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.
Premia Finance SpA EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premia Finance SpA's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Premia Finance SpA's EBITDA Margin % 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.
Premia Finance SpA (MIL:PFI) has a EBITDA Margin % of 1.17% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Premia Finance SpA and its competitors. This is 86% below median its historical median of 8.53. Over the past decade, Premia Finance SpA's EBITDA Margin % has ranged from 4.17 to 16.88. According to the industry distribution chart, Premia Finance SpA ranks #304 out of 414 companies in the Credit Services industry, placing it in the top 73.4%.
Is Premia Finance SpA's EBITDA Margin % too high?
Premia Finance SpA's current EBITDA Margin % of 1.17% is 86% below median its 10-year median of 8.53. Over the past 10 years, this metric has ranged from a low of 4.17 to a high of 16.88. The Credit Services industry median EBITDA Margin % is 20.91. Premia Finance SpA's value of 1.17% is 94.4% below this industry median. Based on the distribution chart, Premia Finance SpA ranks #304 out of 414 companies in the Credit Services industry, which is below the industry midpoint. Overall, Premia Finance SpA has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premia Finance SpA's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Premia Finance SpA ranks #304 out of 414 companies for EBITDA Margin %. This places Premia Finance SpA in the lower half of its industry. The industry median EBITDA Margin % is 20.91. Premia Finance SpA's value of 1.17% is 94.4% below this benchmark. Historically, Premia Finance SpA's own EBITDA Margin % has ranged from 4.17 to 16.88 over the past decade. While the company's 10-year median is 8.53 vs. the industry median of 20.91, Premia Finance SpA has consistently been below 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premia Finance SpA's current EBITDA Margin % of 1.17% is 94.4% below 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Premia Finance SpA and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premia Finance SpA's current EBITDA Margin % is 1.17%, which is 86% below median its own 10-year median of 8.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Premia Finance SpA stock overvalued right now?
Based on GuruFocus' analysis, Premia Finance SpA (MIL:PFI) is currently considered Possible Value Trap. The stock's GF Value™ is €1.54, compared to a current price of €0.73 — trading 52.9% below its estimated fair value. The current EBITDA Margin % is 1.17%, which is 86% below median its 10-year median of 8.53 and 94.4% below the Credit Services industry median of 20.91. Premia Finance SpA's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Premia Finance SpA (MIL:PFI), the current EBITDA Margin % is 1.17% as of Dec. 2025. 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 Premia Finance SpA (MIL:PFI) Overvalued in 2026?
Based on GuruFocus' analysis, Premia Finance SpA stock appears to be undervalued.
The current stock price of €0.73 is trading 52.9% below its estimated GF Value™ of €1.54.
GuruFocus considers Premia Finance SpA to be Possible Value Trap.
Key valuation signals for MIL:PFI:
EBITDA Margin %: 1.17% (86% below median its 10-year median of 8.53)
GF Value™: €1.54 vs. price of €0.73 (52.9% below fair value)
Industry Position: 94.4% below the Credit Services median (#304 of 414)
No single metric tells the full story. See the MIL:PFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Premia Finance SpA provides credit brokerage services. The company helps banks, credit organizations, and financial institutions to connect with borrowers for various credit products such as fifth transfer, mortgages, personal loans, microcredit, loan with delegation, insurance, and others.
62GF Score
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