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Premia Finance SpAMIL:PFI +1.75%49 EV-to-EBITDA is 8.54 as of Aug. 12, 2026, which is 33% below its 10-year median of 12.76. 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 328 Credit Services companies, Premia Finance SpA ranks better than 79.57% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Premia Finance SpA's enterprise value is €2.51 Mil.
Premia Finance SpA's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €0.29 Mil. Therefore, Premia Finance SpA's EV-to-EBITDA for today is 8.54.
The historical rank and industry rank for Premia Finance SpA's EV-to-EBITDA or its related term are showing as below:
MIL:PFI'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.73 Med: 12.76 Max: 38.16
Current: 8.55
During the past 7 years, the highest EV-to-EBITDA of Premia Finance SpA was 38.16. The lowest was 6.73. And the median was 12.76.
MIL:PFI's EV-to-EBITDA is ranked better than 79.57% of 328
companies
in the Credit Services industry
Industry Median: 21.695
vs MIL:PFI: 8.55
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Premia Finance SpA's PE Ratio (TTM) for today is calculated as:
Premia Finance SpA's share price for today is €0.58.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Premia Finance SpA's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.083.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Premia Finance SpA's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premia Finance SpA's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Premia Finance SpA's EV-to-EBITDA falls into.
Premia Finance SpA's current Enterprise Value is €2.51 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Premia Finance SpA's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was €0.29 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-EBITDA of 8.54 as of Aug. 12, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Premia Finance SpA. This is 33% below median its historical median of 12.76. Over the past decade, Premia Finance SpA's EV-to-EBITDA has ranged from 6.73 to 38.16. According to the industry distribution chart, Premia Finance SpA ranks #67 out of 328 companies in the Credit Services industry, placing it in the top 20.4%.
Is Premia Finance SpA's EV-to-EBITDA too high?
Premia Finance SpA's current EV-to-EBITDA of 8.54 is 33% below median its 10-year median of 12.76. Over the past 10 years, this metric has ranged from a low of 6.73 to a high of 38.16. The Credit Services industry median EV-to-EBITDA is 21.70. Premia Finance SpA's value of 8.54 is 60.6% below this industry median. Based on the distribution chart, Premia Finance SpA ranks #67 out of 328 companies in the Credit Services industry, which is in the top quartile — a strong position 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-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Premia Finance SpA ranks #67 out of 328 companies for EV-to-EBITDA. This places Premia Finance SpA in the top 20% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 21.70. Premia Finance SpA's value of 8.54 is 60.6% below this benchmark. Historically, Premia Finance SpA's own EV-to-EBITDA has ranged from 6.73 to 38.16 over the past decade. While the company's 10-year median is 12.76 vs. the industry median of 21.70, 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.70, based on 328 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premia Finance SpA's current EV-to-EBITDA of 8.54 is 60.6% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Premia Finance SpA. For the Credit Services industry, the median EV-to-EBITDA is 21.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premia Finance SpA's current EV-to-EBITDA is 8.54, which is 33% below median its own 10-year median of 12.76. 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 €0.58 — trading 61.3% below its estimated fair value. The current EV-to-EBITDA is 8.54, which is 33% below median its 10-year median of 12.76 and 60.6% below the Credit Services industry median of 21.70. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Premia Finance SpA (MIL:PFI), the current EV-to-EBITDA is 8.54 as of Aug. 12, 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 €0.58 is trading 61.3% 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-EBITDA: 8.54 (33% below median its 10-year median of 12.76)
GF Value™: €1.50 vs. price of €0.58 (61.3% below fair value)
Industry Position: 60.6% below the Credit Services median (#67 of 328)
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
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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