Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Premia Finance SpAMIL:PFI -5.00%49 EV-to-EBIT is 224.82 as of Aug. 11, 2026, which is 664% above its 10-year median of 29.43. GuruFocus rates MIL:PFI with a GF Score™ of 49/100 and a GF Value™ of €1.50 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 314 Credit Services companies, Premia Finance SpA ranks worse than 96.82% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Premia Finance SpA's Enterprise Value for the quarter that ended in Dec. 2025 was €3.81 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Premia Finance SpA's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was €0.01 Mil.
* 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 EV-to-EBIT Related Terms
Premia Finance SpA EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for Premia Finance SpA's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premia Finance SpA's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Premia Finance SpA's EV-to-EBIT falls into.
Premia Finance SpA's current Enterprise Value is €2.47 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Premia Finance SpA's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was €0.01 Mil.
* 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 EV-to-EBIT of 224.82 as of Aug. 11, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Premia Finance SpA and its competitors. This is 664% above median its historical median of 29.43. Over the past decade, Premia Finance SpA's EV-to-EBIT has ranged from 12.03 to 516.75. According to the industry distribution chart, Premia Finance SpA ranks #304 out of 314 companies in the Credit Services industry, placing it in the top 96.8%.
Is Premia Finance SpA's EV-to-EBIT too high?
Premia Finance SpA's current EV-to-EBIT of 224.82 is 664% above median its 10-year median of 29.43. Over the past 10 years, this metric has ranged from a low of 12.03 to a high of 516.75. The Credit Services industry median EV-to-EBIT is 22.66. Premia Finance SpA's value of 224.82 is 892.1% above this industry median. Based on the distribution chart, Premia Finance SpA ranks #304 out of 314 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Premia Finance SpA has a GF Score™ of 49/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premia Finance SpA's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Premia Finance SpA ranks #304 out of 314 companies for EV-to-EBIT. This places Premia Finance SpA in the lower half of its industry. The industry median EV-to-EBIT is 22.66. Premia Finance SpA's value of 224.82 is 892.1% above this benchmark. Historically, Premia Finance SpA's own EV-to-EBIT has ranged from 12.03 to 516.75 over the past decade. While the company's 10-year median is 29.43 vs. the industry median of 22.66, Premia Finance SpA 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 22.66, based on 314 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premia Finance SpA's current EV-to-EBIT of 224.82 is 892.1% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Premia Finance SpA and its competitors. For the Credit Services industry, the median EV-to-EBIT is 22.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premia Finance SpA's current EV-to-EBIT is 224.82, which is 664% above median its own 10-year median of 29.43. 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 €1.50, compared to a current price of €0.57 — trading 62% below its estimated fair value. The current EV-to-EBIT is 224.82, which is 664% above median its 10-year median of 29.43 and 892.1% above the Credit Services industry median of 22.66. Premia Finance SpA's overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Premia Finance SpA (MIL:PFI), the current EV-to-EBIT is 224.82 as of Aug. 11, 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 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 €0.57 is trading 62% below its estimated GF Value™ of €1.50.
GuruFocus considers Premia Finance SpA to be Possible Value Trap.
Key valuation signals for MIL:PFI:
EV-to-EBIT: 224.82 (664% above median its 10-year median of 29.43)
GF Value™: €1.50 vs. price of €0.57 (62% below fair value)
Industry Position: 892.1% above the Credit Services median (#304 of 314)
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.
49GF Score
Get the complete analysis for MIL:PFI
EV-to-EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MIL:PFI has been successfully added to your 
