PMMFF (Premium Group Co) Moat Score: 4/10 (As of Jul. 26, 2026)

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PMMFF Premium Group Co Ltd PMMFF
66 GF Score
Price $12.99
GF Value $24.18
Valuation Possible Value Trap
! 5 Warning Signs
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What is Premium Group Co Moat Score?

Premium Group Co PMMFF 66 Moat Score is 4 as of Jul. 26, 2026. GuruFocus rates PMMFF with a GF Score™ of 66/100 and a GF Value™ of $24.18 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 568 Credit Services companies, Premium Group Co ranks better than 95.07% on this metric.

Premium Group Co has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Premium Group Co has Narrow Moat: Premium Group Co Ltd has a modest moat due to its market leadership in a niche segment and some customer loyalty. However, it lacks significant network effects, strong brand strength, or durable cost advantages, limiting its moat to a narrow category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Premium Group Co might have Narrow Moat - Discernible but modest moat.

Premium Group Co  (OTCPK:PMMFF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Premium Group Co Moat Score Related Terms

PMMFF vs V, MA, AXP: Moat Score Comparison

For the Credit Services subindustry, Premium Group Co's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Premium Group Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Premium Group Co's Moat Score falls into.


PMMFF
66GF Score
Premium Group Co Ltd PMMFF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Premium Group Co (PMMFF) has a Moat Score of 4 as of Jul. 26, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Premium Group Co ranks #28 out of 568 companies in the Credit Services industry, placing it in the top 4.9%.
Is Premium Group Co's Moat Score too high?
Premium Group Co's current Moat Score is 4. Based on the distribution chart, Premium Group Co ranks #28 out of 568 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Premium Group Co has a GF Score™ of 66/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premium Group Co's Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, Premium Group Co ranks #28 out of 568 companies for Moat Score. This places Premium Group Co in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Premium Group Co's current Moat Score is 4. 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 Moat Score is 4. Premium Group Co's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Premium Group Co (PMMFF), the current Moat Score is 4 as of Jul. 26, 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:

  • Moat Score: 4
  • GF Value™: $24.18 vs. price of $12.99 (46.3% below fair value)
  • GF Score™: 66/100 with 5 warning signs

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 Business Description

Other Exchanges 7199:Japan
Address Roppongi first building 1-9-9 Roppongi, Minato-ku, Tokyo, JPN, 106-0032
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.
66GF Score

Get the complete analysis for PMMFF

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.99
Price
$24.18
GF Value