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Premium Group CoPMMFF 70 ROC (Joel Greenblatt) % is 218.35% as of Mar. 2026, which is 52% above its 10-year median of 143.58. 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 416 Credit Services companies, Premium Group Co ranks better than 64.9% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Premium Group Co's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 218.35%.
The historical rank and industry rank for Premium Group Co's ROC (Joel Greenblatt) % or its related term are showing as below:
PMMFF'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 105.98 Med: 143.58 Max: 460.54
Current: 162.82
During the past 11 years, Premium Group Co's highest ROC (Joel Greenblatt) % was 460.54%. The lowest was 105.98%. And the median was 143.58%.
PMMFF's ROC (Joel Greenblatt) % is ranked better than 64.9% of 416
companies
in the Credit Services industry
Industry Median: 38.59
vs PMMFF: 162.82
Premium Group Co's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 11.30% per year.
Premium Group Co (OTCPK:PMMFF) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Premium Group Co ROC (Joel Greenblatt) % Related Terms
Premium Group Co ROC (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Premium Group Co's ROC (Joel Greenblatt) % 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: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Premium Group Co's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premium Group Co's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Premium Group Co's ROC (Joel Greenblatt) % falls into.
Premium Group Co ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 218.35% mean?
Premium Group Co (PMMFF) has a ROC (Joel Greenblatt) % of 218.35% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Premium Group Co and its competitors. This is 52% above median its historical median of 143.58. Over the past decade, Premium Group Co's ROC (Joel Greenblatt) % has ranged from 105.98 to 460.54. According to the industry distribution chart, Premium Group Co ranks #146 out of 416 companies in the Credit Services industry, placing it in the top 35.1%.
Is Premium Group Co's ROC (Joel Greenblatt) % too high?
Premium Group Co's current ROC (Joel Greenblatt) % of 218.35% is 52% above median its 10-year median of 143.58. Over the past 10 years, this metric has ranged from a low of 105.98 to a high of 460.54. The Credit Services industry median ROC (Joel Greenblatt) % is 38.59. Premium Group Co's value of 218.35% is 465.8% above this industry median. Based on the distribution chart, Premium Group Co ranks #146 out of 416 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Premium Group Co ranks #146 out of 416 companies for ROC (Joel Greenblatt) %. This puts Premium Group Co in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 38.59. Premium Group Co's value of 218.35% is 465.8% above this benchmark. Historically, Premium Group Co's own ROC (Joel Greenblatt) % has ranged from 105.98 to 460.54 over the past decade. While the company's 10-year median is 143.58 vs. the industry median of 38.59, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.59, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premium Group Co's current ROC (Joel Greenblatt) % of 218.35% is 465.8% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Premium Group Co and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premium Group Co's current ROC (Joel Greenblatt) % is 218.35%, which is 52% above median its own 10-year median of 143.58. 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 ROC (Joel Greenblatt) % is 218.35%, which is 52% above median its 10-year median of 143.58 and 465.8% above the Credit Services industry median of 38.59. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Premium Group Co (PMMFF), the current ROC (Joel Greenblatt) % is 218.35% 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:
ROC (Joel Greenblatt) %: 218.35% (52% above median its 10-year median of 143.58)
GF Value™: $24.18 vs. price of $12.99 (46.3% below fair value)
Industry Position: 465.8% above the Credit Services median (#146 of 416)
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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