The historical rank and industry rank for Premia Finance SpA's Net Margin % or its related term are showing as below:
MIL:PFI'
s Net Margin % Range Over the Past 10 Years
Min: -4.58 Med: 2.95 Max: 10.51
Current: -4.58
MIL:PFI's Net Margin % is ranked worse than 81.46% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs MIL:PFI: -4.58
Premia Finance SpA (MIL:PFI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Premia Finance SpA Net Margin % Related Terms
Premia Finance SpA Net Margin % Historical Data
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The historical data trend for Premia Finance SpA's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premia Finance SpA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Premia Finance SpA's Net 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 Net Margin % of -10.62% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Premia Finance SpA and its competitors. According to the industry distribution chart, Premia Finance SpA ranks #435 out of 534 companies in the Credit Services industry, placing it in the top 81.5%.
Is Premia Finance SpA's Net Margin % too high?
Premia Finance SpA's current Net Margin % is -10.62%. Based on the distribution chart, Premia Finance SpA ranks #435 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Premia Finance SpA ranks #435 out of 534 companies for Net Margin %. This places Premia Finance SpA in the lower half of its industry. The industry median Net Margin % is 14.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Premia Finance SpA and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premia Finance SpA's current Net Margin % is -10.62%. 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 Net Margin % is -10.62%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Premia Finance SpA (MIL:PFI), the current Net Margin % is -10.62% 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:
Net Margin %: -10.62%
GF Value™: €1.54 vs. price of €0.73 (52.9% below fair value)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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