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Premia Finance — Investor Relations & Filings

Ticker · PFI ISIN · IT0005442154 LEI · 815600E657FBE6830C27 XMIL Financial and insurance activities
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Filings indexed 60 across all filing types
Latest filing 2023-03-29 Earnings Release
Country IT Italy
Listing XMIL PFI

About Premia Finance

https://www.premiafinancespa.it

Premia Finance S.p.A. is a credit mediation company specializing in brokerage services for financial products. The company's core offerings include salary- and pension-backed loans, such as the 'Cessione del Quinto' (assignment of one-fifth of salary or pension) and 'Prestito con Delega' (delegation of payment loan). Its portfolio also extends to personal loans, mortgages, insurance products, and severance pay advances (Anticipo TFS). The company primarily serves public, private, and state employees with permanent contracts, as well as pensioners.

Recent filings

Filing Released Lang Actions
Il CdA di Premia Finance SpA approva il progetto di bilancio d'esercizio ed il bilancio consolidato per l'esercizio chiuso al 31/12/2022
Earnings Release Classification · 1% confidence The document is a formal communication from Premia Finance SpA, dated March 29, 2023, announcing that the Board of Directors (CdA) approved the draft annual financial statements and consolidated financial statements for the year ended December 31, 2022. It provides key summary financial data (Revenues, EBITDA, Net Income) and discusses management's outlook and dividend proposals. This content structure—approval of the full-year financial statements accompanied by key figures and management commentary—is characteristic of an Earnings Release (ER) or the financial highlights section preceding a full Annual Report (10-K). Since the document explicitly states the financial statements are 'draft' ('progetto di bilancio') and does not appear to be the full, audited 10-K filing, it functions as the initial, comprehensive announcement of the annual results. Given the detailed financial tables and management discussion, it is more substantial than a simple 'Earnings Release' (ER) which usually contains only highlights. However, in the context of Italian regulatory filings (where this appears to originate, given the language and 'Informazione Regolamentata' header), the announcement of the approval of the annual/consolidated financial statements, which includes the key figures and management commentary, is often classified as the primary disclosure of annual results before the final filing. Since the document is very long (over 118k characters) and contains detailed financial breakdowns, it is not a simple RPA. It is the core disclosure of the annual financial performance. The closest fit among the provided codes for a comprehensive announcement of annual financial results, especially when it precedes the final audited filing, is the Earnings Release (ER), although it contains more detail than a typical US ER. If this were the final, complete audited document, it would be a 10-K, but since it's the *approval* of the *draft* statements, ER is the most appropriate classification for the initial release of annual performance data. FY 2022
2023-03-29 Italian
PREMIA FINANCE–COMUNICAZIONE DI VARIAZIONE CAP.SOC.A SEGUITO DELLA SOTTOSCRIZIONE DELL’AUCAP NELL’AMBITO DELL’ACQUISIZIONE DEL 20,44% DI PRESTITO PIU'
Capital/Financing Update Classification · 1% confidence The document is a formal communication from PREMIA FINANCE, identified by the header 'Informazione Regolamentata' and the object 'PREMIA FINANCE–COMUNICAZIONE DI VARIAZIONE CAP.SOC.A SEGUITO DELLA SOTTOSCRIZIONE DELL'AUCAP NELL'AMBITO DELL'ACQUISIZIONE...'. The content explicitly details a change in the share capital ('VARIAZIONE CAPITALE SOCIALE') following the subscription of a capital increase related to an acquisition. This directly relates to changes in the company's capital structure and share count. This fits the definition of 'Capital/Financing Update' (CAP). It is not a full annual report (10-K), an earnings release (ER), or a dividend notice (DIV). Since it is a specific announcement about a capital change, CAP is the most precise classification.
2023-01-26 Italian
PREMIA FINANCE SPA - Il CdA pubblica il Calendario Finanziario per gli eventi relativi all’esercizio 2023
Report Publication Announcement Classification · 1% confidence The document is a formal announcement ('Informazione Regolamentata') from PREMIA FINANCE SPA, dated December 22, 2022, detailing the 'Calendario Finanziario per gli eventi relativi all'esercizio 2023' (Financial Calendar for events related to the 2023 fiscal year). This calendar lists future dates for board meetings to approve financial results (annual and semi-annual reports) and the Shareholders' Meeting. Since the document itself is an announcement about the schedule of future corporate events and financial report releases, and not the reports themselves, it fits the description of a Report Publication Announcement (RPA) or a general Regulatory Filing (RNS). Given that it specifically announces the schedule for publishing key financial reports, RPA is a strong candidate, but RNS is the broader regulatory fallback. However, the content is purely scheduling future corporate events, which often falls under general regulatory disclosure. Since there is no specific category for a 'Financial Calendar Announcement', and it is a formal regulatory disclosure ('Informazione Regolamentata'), RNS (Regulatory Filings) is the most appropriate general classification, although RPA is also plausible if the intent is to signal the upcoming release of reports. Given the structure and content, RNS is safer as a general regulatory disclosure, but let's re-evaluate against RPA. RPA is defined as 'Announcement regarding the timing, release, or publication of company reports'. This document explicitly publishes the timing for the release of the Annual Report and Semi-Annual Report. Therefore, RPA is a better fit than the generic RNS.
2022-12-22 Italian
PREMIA FINANCE Acquisizione del 20,44% di Prestito Più e assemblea ord. e straord. degli azionisti per delibera aucap e piano acquisto azioni proprie
AGM Information Classification · 1% confidence The document is an official regulatory communication ('Informazione Regolamentata') from PREMIA FINANCE dated December 16, 2022, published on Euronext Growth Milan. The subject ('Oggetto') explicitly mentions two key corporate actions: 'Acquisizione del piano acquisto azioni proprie' (Acquisition of a treasury stock purchase plan) and shareholder assembly decisions regarding capital increase ('assemblea ord. e straord. degli azionisti per delibera aucap'). The body details the acquisition of a stake in another company (Prestito Più) settled partly via a reserved capital increase, and the authorization of a share repurchase program ('Piano Acquisto Azioni Proprie'). These actions relate to capital structure changes, financing, and share transactions. Since the document details the authorization and mechanics of a share repurchase program, the most specific category is 'Transaction in Own Shares' (POS). While it also involves a capital increase (CAP), the focus on the buyback plan makes POS highly relevant, and the overall nature is a corporate action announcement.
2022-12-16 Italian
PREMIA FINANCE SPA - 01Dic2022 Relazione Illustrativa dell'Organo Amministrativo_bis
Share Issue/Capital Change Classification · 1% confidence The document is titled "Relazione Illustrativa dell'Organo Amministrativo sui punti all'ordine del giorno dell'Assemblea ordinaria dei soci Premia Finance S.p.A." (Explanatory Report of the Administrative Body on the items on the agenda of the Ordinary Shareholders' Meeting). It explicitly discusses proposals for shareholder votes, including authorization for the purchase and disposal of own shares (a topic often related to capital structure or buybacks) and a capital increase proposal. The structure, content, and reference to an upcoming Shareholders' Meeting (Assemblea) strongly indicate this is preparatory material for a general meeting. The specific item regarding the authorization for the purchase and disposal of own shares (Transaction in Own Shares - POS) is a key component, but the document's primary function is to explain the agenda items for the meeting itself. This type of explanatory document, often accompanying a notice for a general meeting, aligns best with materials related to shareholder voting or governance, but since it details specific actions like share buybacks and capital increases, it is highly relevant to capital/financing (CAP) and governance (CGR). However, the most direct classification for materials explaining the agenda items for a general meeting, especially when they include proposals for voting, is often related to the meeting itself or proxy solicitation. Given the detailed explanation of the proposed share buyback authorization (which falls under POS), and the fact that it is an explanatory report for an upcoming meeting, it is a hybrid. Since the document is a detailed report explaining the agenda items for an upcoming meeting, and one major item is the authorization for share repurchase (POS), and another is a capital increase (CAP), I must choose the best fit. The document is explicitly a 'Relazione Illustrativa' for the 'Assemblea'. This is often distributed as part of the Proxy Statement (PSI). However, the content heavily focuses on the mechanics of share buybacks (POS) and capital increases (CAP). Since the document is a comprehensive report explaining the proposals, and not just a simple announcement of a vote result (DVA) or a simple notice of dividend (DIV), it is best classified as an Investor Presentation (IP) or a specific governance/capital document. Given the detailed discussion of share repurchase authorization, 'Transaction in Own Shares' (POS) is highly relevant, but the document's overall purpose is to explain the entire agenda for the meeting. If the meeting were solely about the buyback, POS would be perfect. Since it covers multiple items including capital changes and share buybacks, and it is an explanatory report for the meeting, it functions similarly to an Investor Presentation (IP) or a detailed governance document (CGR). Let's re-evaluate based on the definitions. It is not a DEF 14A (Remuneration), nor a simple ER/IR. It is a detailed report explaining proposals for a shareholder meeting. This strongly suggests Proxy Solicitation & Information Statement (PSI) or Investor Presentation (IP). Since it is a formal report explaining complex proposals (including capital changes and buybacks) to shareholders ahead of a vote, IP is a strong candidate for detailed strategic explanation, but PSI covers information statements for meetings. Given the context of Italian regulatory filings, this 'Relazione Illustrativa' is the core document provided to shareholders to inform their vote on the agenda items. This aligns very closely with the purpose of a Proxy Statement (PSI). The document is substantial (46k chars) and detailed, ruling out RPA/RNS based on the 'MENU VS MEAL' rule. I will classify it as PSI because it is the explanatory material for the upcoming shareholder meeting agenda.
2022-12-02 Italian
PREMIA FINANCE SPA - 01Dic2022 Relazione Illustrativa dell'Organo Amministrativo
Transaction in Own Shares Classification · 1% confidence The document text contains Italian regulatory language and discusses two main topics resolved by the Shareholders' Meeting: 1) Authorization for the purchase and disposal of own shares (share repurchase program), which relates to 'Transaction in Own Shares' (POS). 2) An Extraordinary Shareholders' Meeting resolution to increase share capital for payment through the issuance of new shares in exchange for a non-cash contribution (shares in another company, Prestito Più S.r.l.), explicitly excluding pre-emptive rights (esclusione del diritto di opzione). This second part strongly indicates a 'Capital/Financing Update' (CAP) related to a capital increase via contribution in kind. Since the document details the resolutions for both share buybacks and a significant capital increase/financing activity, the most encompassing and critical financial action is the capital increase. However, the document also details the authorization for share repurchase, which maps directly to 'POS'. Given the dual nature, I must choose the best fit. The document is a formal record of shareholder resolutions, not just an announcement. The resolutions cover both share repurchase (POS) and capital increase (CAP). Since the document details the full resolution for both, and the capital increase involves issuing new shares against a contribution in kind, it is a significant financing event. If I must choose one, the buyback authorization is detailed under section A and B (pages 5-6), and the capital increase is detailed under section A (page 10). The buyback authorization is a common corporate action, while the capital increase via contribution in kind is a specific financing/capital structure change. Given the options, 'CAP' (Capital/Financing Update) covers the capital increase, and 'POS' covers the share repurchase. Since both are present, I will prioritize the action that involves issuing new securities against a contribution, which is a core financing event, leaning towards CAP. However, the structure detailing the buyback authorization (including maximum number of shares, price limits, execution methods, and 'whitewash' procedure) is very detailed, fitting POS well. Let's re-evaluate based on the definitions. The document is the resolution itself, not an announcement of a report (ruling 2 does not apply). It details the authorization for share repurchase (POS) and a capital increase (CAP). Since the document details the authorization for the company to buy back its own shares (POS), and also details a specific capital increase (CAP), I will check if there is a better fit. The buyback authorization is a very specific resolution type. The capital increase is also a specific financing event. Since the document is a comprehensive record of shareholder decisions, and both are present, I will select the one that seems most prominent or fits a specific code better. The buyback authorization (POS) is detailed extensively, including compliance with specific articles (e.g., art. 132 D.Lgs. 58/1998, art. 144-bis Regolamento Consob). The capital increase is also detailed. Given the presence of detailed rules for share repurchase, POS is a strong candidate. However, the document also includes a resolution for a capital increase via contribution in kind (CAP). In cases of dual classification, I will select the one that represents the most significant structural change or the one that is explicitly detailed. Since the document details the authorization for the company to buy back its own shares (POS) and also a capital increase (CAP), and both are significant, I will choose POS as the buyback authorization is a very specific regulatory topic often tracked separately. Upon review, the document details both the authorization for share repurchase (POS) and a resolution for a capital increase (CAP). Since the capital increase is a direct financing/capital structure change, CAP is highly relevant. Given the complexity, I will select CAP as it covers the issuance of new shares against a contribution, a major financing event, while POS covers the buyback authorization. If the document were only about buybacks, POS would be correct. Since it includes a capital increase, CAP is also highly relevant. I will stick with CAP as it represents a fundamental change in capital structure via new issuance, which is often prioritized over buyback authorizations in comprehensive filings unless the buyback is the sole focus. Reconsidering: The document is a record of shareholder resolutions. The first major resolution detailed is the authorization for the purchase and disposal of own shares (POS). The second major resolution is the capital increase (CAP). Since the buyback authorization is detailed first and extensively, I will classify it as POS, recognizing the presence of CAP elements. Final decision leans towards POS due to the detailed structure of the buyback authorization section preceding the capital increase section, and the specific nature of the POS code.
2022-12-02 Italian

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