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Premium Group CoPMMFF 70 3-Year ROIIC % is 3.18 as of Mar. 2026, which is 15% below its 10-year median of 3.74. 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 394 Credit Services companies, Premium Group Co ranks better than 53.05% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Premium Group Co's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 3.18%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Premium Group Co's 3-Year ROIIC % or its related term are showing as below:
PMMFF's 3-Year ROIIC % is ranked better than 53.05% of 394
companies
in the Credit Services industry
Industry Median: 2.805
vs PMMFF: 3.18
Premium Group Co (OTCPK:PMMFF) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Premium Group Co 3-Year ROIIC % Related Terms
Premium Group Co 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Premium Group Co's 3-Year ROIIC % 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, Premium Group Co's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Premium Group Co's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Premium Group Co's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Premium Group Co (PMMFF) has a 3-Year ROIIC % of 3.18 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Premium Group Co and its competitors. This is 15% below median its historical median of 3.74. Over the past decade, Premium Group Co's 3-Year ROIIC % has ranged from 1.82 to 7.79. According to the industry distribution chart, Premium Group Co ranks #185 out of 394 companies in the Credit Services industry, placing it in the top 47%.
Is Premium Group Co's 3-Year ROIIC % too high?
Premium Group Co's current 3-Year ROIIC % of 3.18 is 15% below median its 10-year median of 3.74. Over the past 10 years, this metric has ranged from a low of 1.82 to a high of 7.79. The Credit Services industry median 3-Year ROIIC % is 2.81. Premium Group Co's value of 3.18 is 13.4% above this industry median. Based on the distribution chart, Premium Group Co ranks #185 out of 394 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 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Premium Group Co ranks #185 out of 394 companies for 3-Year ROIIC %. This puts Premium Group Co in the upper half of its industry. The industry median 3-Year ROIIC % is 2.81. Premium Group Co's value of 3.18 is 13.4% above this benchmark. Historically, Premium Group Co's own 3-Year ROIIC % has ranged from 1.82 to 7.79 over the past decade. While the company's 10-year median is 3.74 vs. the industry median of 2.81, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.81, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Premium Group Co's current 3-Year ROIIC % of 3.18 is 13.4% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Premium Group Co and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premium Group Co's current 3-Year ROIIC % is 3.18, which is 15% below median its own 10-year median of 3.74. 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 3-Year ROIIC % is 3.18, which is 15% below median its 10-year median of 3.74 and 13.4% above the Credit Services industry median of 2.81. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Premium Group Co (PMMFF), the current 3-Year ROIIC % is 3.18 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:
3-Year ROIIC %: 3.18 (15% below median its 10-year median of 3.74)
GF Value™: $24.18 vs. price of $12.99 (46.3% below fair value)
Industry Position: 13.4% above the Credit Services median (#185 of 394)
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.
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