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Premium Group CoPMMFF 70 Return-on-Tangible-Equity is 69.38% as of Mar. 2026, which is 61% below its 10-year median of 175.72. 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 527 Credit Services companies, Premium Group Co ranks better than 95.83% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Premium Group Co's annualized net income for the quarter that ended in Mar. 2026 was $50.6 Mil. Premium Group Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $73.0 Mil. Therefore, Premium Group Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 69.38%.
The historical rank and industry rank for Premium Group Co's Return-on-Tangible-Equity or its related term are showing as below:
PMMFF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 66.91 Med: 175.72 Max: 880.71
Current: 67.26
During the past 11 years, Premium Group Co's highest Return-on-Tangible-Equity was 880.71%. The lowest was 66.91%. And the median was 175.72%.
PMMFF's Return-on-Tangible-Equity is ranked better than 95.83% of 527
companies
in the Credit Services industry
Industry Median: 7.05
vs PMMFF: 67.26
Premium Group Co (OTCPK:PMMFF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Premium Group Co Return-on-Tangible-Equity Related Terms
Premium Group Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Premium Group Co's Return-on-Tangible-Equity 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.
PMMFF vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Premium Group Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premium Group Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Premium Group Co's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 69.38% mean?
Premium Group Co (PMMFF) has a Return-on-Tangible-Equity of 69.38% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Premium Group Co and its competitors. This is 61% below median its historical median of 175.72. Over the past decade, Premium Group Co's Return-on-Tangible-Equity has ranged from 66.91 to 880.71. According to the industry distribution chart, Premium Group Co ranks #22 out of 527 companies in the Credit Services industry, placing it in the top 4.2%.
Is Premium Group Co's Return-on-Tangible-Equity too high?
Premium Group Co's current Return-on-Tangible-Equity of 69.38% is 61% below median its 10-year median of 175.72. Over the past 10 years, this metric has ranged from a low of 66.91 to a high of 880.71. The Credit Services industry median Return-on-Tangible-Equity is 7.05. Premium Group Co's value of 69.38% is 884.1% above this industry median. Based on the distribution chart, Premium Group Co ranks #22 out of 527 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 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premium Group Co's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Premium Group Co ranks #22 out of 527 companies for Return-on-Tangible-Equity. This places Premium Group Co in the top 4% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.05. Premium Group Co's value of 69.38% is 884.1% above this benchmark. Historically, Premium Group Co's own Return-on-Tangible-Equity has ranged from 66.91 to 880.71 over the past decade. While the company's 10-year median is 175.72 vs. the industry median of 7.05, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.05, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premium Group Co's current Return-on-Tangible-Equity of 69.38% is 884.1% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Premium Group Co and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premium Group Co's current Return-on-Tangible-Equity is 69.38%, which is 61% below median its own 10-year median of 175.72. 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 Return-on-Tangible-Equity is 69.38%, which is 61% below median its 10-year median of 175.72 and 884.1% above the Credit Services industry median of 7.05. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Premium Group Co (PMMFF), the current Return-on-Tangible-Equity is 69.38% 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:
Return-on-Tangible-Equity: 69.38% (61% below median its 10-year median of 175.72)
GF Value™: $24.18 vs. price of $12.99 (46.3% below fair value)
Industry Position: 884.1% above the Credit Services median (#22 of 527)
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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