Premium Group Co., Ltd. · TSE:7199
Premium — Q1 FY2026 Earnings Presentation
35 slides from Premium's earnings presentation, Aug 8, 2025
Slide 1: Financial Results Presentation for Q1 of FY Ending March 31, 2026
Premium Group Co., Ltd. TSE Prime Section: 7199 Financial Results Presentation for Q1 of FY Ending March 31, 2026 August 8, 2025 1
Slide 2: Agenda
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix Access videos of our financial results presentations on our IR website at https://ir.premium-group.co.jp/en/library/mov
Slide 3: Financial Highlights
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix 3 3
Slide 4: Highlights from Q1 of FY Ending March 31, 2026 (1)
Highlights from Q1 of FY Ending March 31, 2026 (1) • Figures for operating revenue, operating profit, and profit before tax each progressed in line with our forecast for FY2026. • We made investments as planned to respond to the system failure that occurred in FY2025 and to ensure stable operation (
Slide 5: Highlights from Q1 of FY Ending March 31, 2026 (2)
Highlights from Q1 of FY Ending March 31, 2026 (2) • The impact of the system failure on profit before tax in Q1 was a decrease of ¥0.72 billion, in line with our forecast for FY2026. • We strengthened cooperation with our servicer subsidiary from the second part of Q1 and began full-fledged efforts
Slide 6: Highlights from Q1 of FY Ending March 31, 2026 (3)
Highlights from Q1 of FY Ending March 31, 2026 (3) • The number of new vehicles sold grew at a single-digit pace supported by strong sales of light motor vehicles, while the number of used passenger vehicles registered was flat. • Total volume of new loans grew at double digits driven by continuing
Slide 7: Summary of Financial Results
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix 7 7
Slide 8: Consolidated Performance
Consolidated Performance (Millions of yen) • Operating revenue exceeded the plan, surpassing ¥10.0 billion. Figures for operating profit and profit before tax progressed as planned. • The increase in operating expenses was due to the impact of the system failure in FY2025. This cost is temporary and
Slide 9: Operating Expenses (Breakdown)
Operating Expenses (Breakdown) (Millions of yen) • Excluding system support costs, etc., operating expenses increased 16.6% YoY to ¥7.98 billion, and efforts to improve cost efficiency will continue. FY25 Q1 Operating expenses FY26 Q1 Operating expenses ¥6,852 million ¥8,711 million (up 27.1% YoY) (
Slide 10: Full-Year Performance Outlook
Full-Year Performance Outlook (Millions of yen) • Figures for both operating revenue and profit before tax are progressing according to our forecast for FY2026. • The top line in the three core businesses is expected to remain strong, and we expect to record a reversal of the allowance for doubtful
Slide 11: Finance Segment
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix 11 11
Slide 12: Finance segment Total Volume of New Loans/Loan Receivables
Finance segment Total Volume of New Loans/Loan Receivables (Billions of yen) • Thanks to steady growth in Car Premium Dealers and improved operating rates, the total volume of new loans increased by 15.0% YoY. • Loan receivables exceeded ¥800 billion, and growth in the volume of new loans accelerate
Slide 13: Finance segment Segment Performance
Finance segment Segment Performance (Millions of yen) • Although there was an impact of one-off losses (¥720 million) due to the failure of a core system, profit before tax excluding this impact remained strong, increasing by 28.8% YoY. • Despite a decline in the credit finance gross profit margin,
Slide 14: Automobile Warranty Segment
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix 14 14
Slide 15: Total Volume of New Warranties
Automobile warranty segment Total Volume of New Warranties (Billions of yen) • Tapping into new warranty customers as well as deepening relationships of trust with existing customers has not only increased the number of transactions but also the transaction amount per network store. • While the numb
Slide 16: Automobile warranty segment Segment Performance
Automobile warranty segment Segment Performance (Millions of yen) • Operating revenue is trending steadily, recording double digit growth. Furthermore, we recorded high growth in the volume of new loans in Q1, steadily building a foundation for revenue expansion. • Although operating expenses increa
Slide 17: Auto Mobility Segment
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix 17 17
Slide 18: Auto mobility segment Segment Performance
Auto mobility segment Segment Performance (Millions of yen) • Car Premium Club's operating revenue continued to grow at a high rate of over 30% YoY, even as the effect of membership fee increases faded away. • Gross profit per vehicle decreased due to the impact of falling market prices in automobil
Slide 19: Car Premium Club
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix 19
Slide 20: Progress in Memberships
Car Premium Club Progress in Car Premium Club Memberships (Unit: companies/stores) • The total of Car Premium Dealers and Car Premium Garages broke through the 4,500 mark, as we continue working to create the largest network in Japan • As for Car Premium Dealer, our efforts to acquire new members an
Slide 21: Other Progress
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix 21
Slide 22: Capital and business alliance with ITOCHU Corporation
Capital and business alliance with ITOCHU Corporation We entered into a capital and business alliance agreement with ITOCHU Corporation with the objective of building a dominant used vehicle ecosystem, both domestic and overseas, and further expanding the mobility domain. ITOCHU Group Premium Group
Slide 23: Other Progress
Other Progress (Unit: companies/stores) Medium-Term Management Plan (MTP)* Click here for details of Medium-Term Progress (Third Year) Management Plan, ONE & ONLY 2026 Car Premium Club Memberships FY2026 plan FY26 Q1 results Progress Car Premium Dealer Progress: 73.8% FY2026 target Operating revenue
Slide 24: Appendix
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Segment 06 Car Premium Club 07 Other Progress 08 Appendix 24
Slide 25: Company Profile
Company Profile Name Premium Group Co., Ltd. Securities Code / Exchange 7199 / Prime Market 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 26: Description of Business
Description of Business • Premium Group is an auto mobility company offering customers a vibrant car life alongside our network of car dealers and garages. Business Segment Portfolio by Segment Automobile Auto Mobility Finance segment 25% Finance warranty segment 50％ Auto Mobility (FY2026) Main busi
Slide 27: Performance by segment
Performance by segment (Millions of yen) FY2026 Q1 Operating revenue Finance Automobile warranty Auto mobility Operating Operating Profit before revenue profit tax Excluding one-off losses [1,575] 5,797 843 853 Up 28.8% YoY Finance segment Up 20.5% Down 30.8% Down 30.3% 2,485 YoY YoY YoY (24.4％) 2,1
Slide 28: Summary of New Medium-Term Management Plan ONE & ONLY 2026
Summary of New Medium-Term Management Plan ONE & ONLY 2026 Medium-Term Vision Establishing the Car Premium business model, seeking to become the ONE & ONLY auto mobility company Numerical Targets (FY2026) Profit attributable to Operating revenue Profit before tax owners of parent ROE Market cap ¥44.
Slide 29: Medium-Term Management Plan: Numerical Targets
Medium-Term Management Plan: Numerical Targets —Management Indicators— Profit before tax / Profit attributable to Operating revenue (Billions of yen) owners of parent (Billions of yen) Finance Profit before tax Profit attributable to owners of parent Automobile warranty Mobility 66.0 Other 15.3 53.0
Slide 30: (FY24 Q3) Released Car Premium Anshin Shop
(FY24 Q3) Released Car Premium Anshin Shop • Launched Car Premium Anshin Shop, a program that allows customers to access products and services with peace of mind, on Jan. 29, 2024 What is Car Premium Anshin Shop? Details of peace of mind guarantee and services An outlet that provides services that g
Slide 31: Finance segment Other Indicators
Finance segment Other Indicators Car Premium Dealer auto Number of sales staff AI credit screening rate loan share*1 Up 21.9 pts YoY Down 4 YoY* 2 Down 1.1 pts YoY 63.8％ 95 36.7％ Maintaining strong Not planning to increase sales Further increase screening accuracy growth underpinned by staff signifi
Slide 32: BS (Millions of yen)
BS (Millions of yen) Compared to FY2025.Q1 FY2025 FY2026.Q1 the end of QoQ (As of June 30, 2024) (As of March 31, 2025) (As of June 30, 2025) previous period Assets Cash and cash equivalents 18,267 17,159 22,989 +25.9% +34.0% Financing receivables 58,494 74,719 77,542 +32.6% +3.8% Other financial as
Slide 33: PL (Millions of yen)
PL (Millions of yen) FY2025.Q1 FY2025.Q4 FY2026.Q1 (April 1 - June 30) YoY QoQ (April 1, 2024 - June 30, 2024) (January 1, 2025 - March 31, 2025) (April 1, 2025 - June 30, 2025) Operating revenue 8,674 8,980 10,296 +18.7% +14.7% Operating expenses 6,852 8,174 8,711 +27.1% +6.6% Operating profit 1,82
Slide 34: P/L (Operating revenue/Operating expenses)
P/L (Operating revenue/Operating expenses) (Millions of yen) FY2025.Q1 FY2025.Q4 FY2026.Q1 (April 1 - June 30) YoY QoQ (April 1, 2024 - June 30, 2024) (January 1, 2025 - March 31, 2025) (April 1, 2025 - June 30, 2025) Operating revenue Finance income 4,145 4,686 5,020 +21.1% +7.1% Warranty revenue 1
Slide 35: Disclaimer
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