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Premium Group CoPMMFF 70 Interest Coverage is 58.27 as of Mar. 2026, which is 1% above its 10-year median of 57.75. GuruFocus rates PMMFF with a GF Score™ of 70/100 and a GF Value™ of $24.18 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 164 Credit Services companies, Premium Group Co ranks better than 59.15% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Premium Group Co's
Operating Income
for the
three
months ended in Mar. 2026 was $17.2 Mil. Premium Group Co's Interest Expense for the
three
months ended in Mar. 2026 was $-0.3 Mil.
Premium Group Co's interest coverage for the quarter that ended in Mar. 2026 was 58.27.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Premium Group Co's Interest Coverage or its related term are showing as below:
PMMFF'
s Interest Coverage Range Over the Past 10 Years
Min: 11.3 Med: 57.75 Max: 178.68
Current: 178.68
PMMFF's Interest Coverage is ranked better than 59.15% of 164
companies
in the Credit Services industry
Industry Median: 51.6
vs PMMFF: 178.68
Premium Group Co (OTCPK:PMMFF) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Premium Group Co Interest Coverage Related Terms
Premium Group Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for Premium Group Co's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Premium Group Co's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premium Group Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Premium Group Co's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 58.27 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Premium Group Co and its competitors. This is near median its historical median of 57.75. Over the past decade, Premium Group Co's Interest Coverage has ranged from 11.30 to 178.68. According to the industry distribution chart, Premium Group Co ranks #67 out of 164 companies in the Credit Services industry, placing it in the top 40.9%.
Is Premium Group Co's Interest Coverage too high?
Premium Group Co's current Interest Coverage of 58.27 is near median its 10-year median of 57.75. Over the past 10 years, this metric has ranged from a low of 11.30 to a high of 178.68. The Credit Services industry median Interest Coverage is 51.60. Premium Group Co's value of 58.27 is 12.9% above this industry median. Based on the distribution chart, Premium Group Co ranks #67 out of 164 companies in the Credit Services industry, which is above the industry midpoint. 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Premium Group Co ranks #67 out of 164 companies for Interest Coverage. This puts Premium Group Co in the upper half of its industry. The industry median Interest Coverage is 51.60. Premium Group Co's value of 58.27 is 12.9% above this benchmark. Historically, Premium Group Co's own Interest Coverage has ranged from 11.30 to 178.68 over the past decade. While the company's 10-year median is 57.75 vs. the industry median of 51.60, 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 51.60, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premium Group Co's current Interest Coverage of 58.27 is 12.9% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Premium Group Co and its competitors. For the Credit Services industry, the median Interest Coverage is 51.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premium Group Co's current Interest Coverage is 58.27, which is near median its own 10-year median of 57.75. 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 $24.18, compared to a current price of $12.99 — trading 46.3% below its estimated fair value. The current Interest Coverage is 58.27, which is near median its 10-year median of 57.75 and 12.9% above the Credit Services industry median of 51.60. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Premium Group Co (PMMFF), the current Interest Coverage is 58.27 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 (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 46.3% below its estimated GF Value™ of $24.18.
GuruFocus considers Premium Group Co to be Possible Value Trap.
Key valuation signals for PMMFF:
Interest Coverage: 58.27 (near median its 10-year median of 57.75)
GF Value™: $24.18 vs. price of $12.99 (46.3% below fair value)
Industry Position: 12.9% above the Credit Services median (#67 of 164)
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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