Premium Group Co., Ltd. · TSE:7199
Premium — Q3 FY2022 Earnings Presentation
26 slides from Premium's earnings presentation, Feb 1, 2022
Slide 1: Financial Results Presentation for Q3 of FY Ending March 31, 2022
Financial Results Presentation for Q3 of FY Ending March 31, 2022 February 1, 2022 TSE First Section: 7199 Premium Group Co., Ltd.
Slide 2: 1. Summary of Financial Results for Q3 P. 3 2. Segment Overview
1. Summary of Financial Results for Q3 P. 3 2. Segment Overview P. 9 3. Other Topics P. 15 4. Appendix P. 18 2
Slide 3: 1. Summary of Financial Results for Q3
1. Summary of Financial Results for Q3
Slide 4: Highlights from Q3 of FY Ending March 31, 2022
Highlights from Q3 of FY Ending March 31, 2022 ✓ Markets of both new and used passenger vehicles have bottomed out despite the ongoing decline in inventory and soaring prices for used cars ✓ Both credit finance and automobile warranty segments recorded growth in volume that outpaced the market, desp
Slide 5: Consolidated Performance
Consolidated Performance (Graph/table unit: millions of yen) ✓ Expansion of the three core businesses drove operating income higher by 19.9% YoY to ¥15,331 million ✓ Profit before tax increased 4.3% YoY to ¥2,920 million due to steady growth in operating income and operating expense reduction ✓ Prof
Slide 6: Performance by Segment
Performance by Segment (Graph/table unit: millions of yen) ✓ Each segment steadily posting growth in both operating income and profit before tax ✓ Profit growth of new auto mobility segment results driven by sales of parts and automobile wholesaling FY22 Q3 Operating Income by Segment Operating inco
Slide 7: Operating Expenses (Consolidated)
Operating Expenses (Consolidated) (Graph unit: millions of yen) ✓ Operating expenses totaled ¥12,494 million (up 17.8% YoY) ✓ Variable costs increased due to higher operating income in the auto mobility segment, but cost cutting measures, such as promoting inter Group transactions and paperless serv
Slide 8: Full-Year Performance Outlook
Full-Year Performance Outlook (Graph unit: millions of yen) ✓ Upward revisions and dividend hike made based on growth of the three core businesses, realization of inter-Group synergies, and cost reductions using DX, etc. Operating income Profit before tax FY21 results FY22 forecast FY21 results FY22
Slide 9: 2. Segment Overview
ID 2. Segment Overview Pp Premium
Slide 10: Finance Segment: Total Volume of New Loans
Finance Segment: Total Volume of New Loans (Graph unit: billions of yen) Total volume of new loans ¥147.6 billion Total volume of new loans: Auto loan PH Auto loan PH…The average monthly total volume 131.1 +25.4% YoY of new loans per sales staff 117.6 Auto loan PH: Q3 alone Q3 YTD +3.4% Q3 alone aut
Slide 11: Finance Segment: Loan Receivables
Finance Segment: Loan Receivables (Graph unit: billions of yen, %) Broke through Loan receivables ¥400 billion Loan receivables: ¥404.5 billion Delinquency rate (more than 3 months) +17.0% YoY 345.7 Delinquency rate 303.8 Q3 YTD loan receivables Q3 YTD delinquency rate 0.92% Factors driving change i
Slide 12: Finance Segment: Number of Network Stores
Finance Segment: Number of Network Stores Target for 2025 Number of credit network stores 30,000 PFS Premium Club stores Q3 YTD number of network Broke through stores 1,000 companies Q3 YTD number of paid Number of credit network stores: memberships 25,332 (PFS Premium Club) 3,000 +6.3% YoY 23,820 1
Slide 13: Automobile Warranty Segment: Total Volume of New Warranties
Automobile Warranty Segment: Total Volume of New Warranties (Graph unit: millions of yen) Total volume of new warranties Automobile warranty ¥3,817 million total volume of new warranties Q3 YTD total volume of new warranties 3,214 3,335 Up 14.4% YoY Total volume of new warranties in Q3 alone Q3 YTD
Slide 14: Performance in the Auto Mobility Segment
Performance in the Auto Mobility Segment (Graph unit: millions of yen) Number of maintenance Operating income network companies Operating income: Others: Directly managed Q3 YTD number of network stores maintenance facilities and membership organizations, etc. Q3 YTD Number of paid memberships (FIXM
Slide 15: 3. Other Topics
ID 3. Other Topics Pp Premium
Slide 16: Progress of DX Strategy
Progress of DX Strategy ✓ Transaction value of finance, automobile warranty and auto mobility services achieved through DX was set as KGI ✓ The introduction rate of paperless contracts, which were launched in FY21, grew Finance Segment: Total Volume of Paperless Applications Timeline of DX Strategy
Slide 17: Other Topics
Other Topics December 2021 Introduction of RPA for First in Industry to Launch of Corporate Governance Launch of Car Premium Automation of Routine Tasks Automobile Warranty Plan for EVs Code Revisions Magazine We established a dedicated automobile warranty Going forward, we will continue to build DX
Slide 18: 4. Appendix
ID 4. Appendix Pp Premium
Slide 19: Company Profile
Company Profile Name Premium Group Co., Ltd. Securities Code / Exchange 7199 / First Section of Tokyo Stock Exchange May 25, 2015 Established Note: 2007 Established Premium Co., Ltd. (Former name: G-ONE Credit Services Co., Ltd.) Head Office The Okura Prestige Tower, 2-10-4 Toranomon, Minato-ku, Tok
Slide 20: Company Profile
ly Company Profile Premium Premium Group is “Auto Mobility Company” We(contain car dealers and garages) providing rich car life with customers Main Business ( Credit Finance Business >Main business >Main business + Auto credit connection - Auto lease - Used car dealer - Ecology credit + Shopping cre
Slide 21: B/S
Note: Since it is a preliminary value, we will promptly notify you on our website B/S when any corrections or changes occur. (Millions of yen) Compared to FY21 Q2.FY22 Q3.FY22 previous QoQ (As of March 31, 2021) (As of September 30, 2021) (As of December 31, 2021) quarter Assets Cash and cash equiva
Slide 22: P/L (Consolidated cumulative period)
Note: Since it is a preliminary value, we will promptly notify you on our website P/L (Consolidated cumulative period) when any corrections or changes occur. (Millions of yen) Compared to Q1-Q3.FY21 FY21 Q1-Q3.FY22 the and of (Consolidated cumulative period) YoY (April 1,2020-December 31,2020) (Apri
Slide 23: P/L (Consolidated cumulative period)
Note: Since it is a preliminary value, we will promptly notify you on our website P/L (Consolidated cumulative period) when any corrections or changes occur. (Millions of yen) Compared to Q1-Q3.FY21 FY21 Q1-Q3.FY22 the and of (Consolidated cumulative period) YoY (April 1,2020-December 31,2020) (Apri
Slide 24: P/L (Consolidated accounting period)
Note: Since it is a preliminary value, we will promptly notify you on our website P/L (Consolidated accounting period) when any corrections or changes occur. (Millions of yen) Q3.FY21 Q2.FY22 Q3.FY22 (Consolidated accounting period) YoY QoQ (October 1,2020-December 30,2020) (July 1,2021-September 30
Slide 25: P/L (Consolidated accounting period)
Note: Since it is a preliminary value, we will promptly notify you on our website P/L (Consolidated accounting period) when any corrections or changes occur. (Millions of yen) Q3.FY21 Q2.FY22 Q3.FY22 (Consolidated accounting period) YoY QoQ (October 1,2020-December 30,2020) (July 1,2021-September 30
Slide 26: IR information in this material is for providing financial data
IR information in this material is for providing financial data and economic condition of Premium Group Co., Ltd. (Hereinafter “Company”). However, this information should not announce and guarantee its contents. Statements contained herein that relate to the future operating performance and strateg