Slide 1: Financial Results Presentation for FY Ended March 31, 2026
Premium Group Co., Ltd. TSE Prime Section: 7199 Financial Results Presentation for FY Ended March 31, 2026 May 11, 2026 1
Slide 2: Agenda
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix Note: The
Slide 3: 01 Financial Highlights
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 33
Slide 4: Financial Results Highlights from FY Ended March 31, 2026 (1)
Financial Results Highlights from FY Ended March 31, 2026 (1) • Operating revenue, operating profit, and profit before tax posted robust growth, with all three metrics up over 20% YoY, setting new record highs. • Built a foundation for achieving the new medium-term management plan "Change & Prove 20
Slide 5: Financial Results Highlights from FY Ended March 31, 2026 (2)
Financial Results Highlights from FY Ended March 31, 2026 (2) • Costs associated with the system failure totaled ¥1.13 billion and converged in FY2026 (impact in FY2027 will be minimal). • In the new core system, software that is unlikely to be reused will be decommissioned, totaling ¥0.61 billion.
Slide 6: Financial Results Highlights from FY Ended March 31, 2026 (3)
Financial Results Highlights from FY Ended March 31, 2026 (3) • The overall passenger vehicle market remained flat due to sluggish new car sales, despite growth in the number of used passenger vehicles registered turning positive in Q4. • In Q4, the total volume of new loans recovered to the same le
Slide 7: 02 Summary of Financial Results
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 77
Slide 8: Consolidated Performance
Consolidated Performance (Millions of yen) • Operating revenue surpassed the initial plan, reaching the final target of the previous medium-term management plan, which was ¥44.0 billion. • Operating expenses were reduced thanks to controls, ending up at a level below the growth rate of operating rev
Slide 9: Operating Expenses (Breakdown)
Operating Expenses (Breakdown) (Millions of yen) • Despite rising market interest rates and system support costs associated with the system failure, operating expenses grew at a level below that of operating revenue. FY25 Operating expenses FY26 Operating expenses ¥29,594 million ¥35,644 million (up
Slide 10: 03 Finance Segment
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 10 10
Slide 11: Total Volume of New Loans/Loan Receivables
Finance segment Total Volume of New Loans/Loan Receivables (Billions of yen) • Driven by the increase in Car Premium Club members, the total volume of new loans is steadily recovering (from -4.8% YoY in 3Q to - 2.1% YoY in 4Q). In the current fiscal year, we aim to achieve further efficiency and a f
Slide 12: Segment Performance
Finance segment Segment Performance (Millions of yen) • Operating revenue grew significantly, increasing by 23.1% YoY. • Profit before tax returned to positive YoY growth following the elimination of costs due to the system failure (from -34.7% YoY in 2Q to +2.8% YoY in 4Q). • Following the converge
Slide 13: 04 Automobile Warranty Segment
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 13 13
Slide 14: Total Volume of New Warranties
Automobile warranty segment Total Volume of New Warranties (Billions of yen) • The total volume of automobile warranties continued to grow steadily, reaching a high level of 16.8% YoY. • Proprietary warranties grew significantly by 34.8% YoY amid the increase in Car Premium Club members, indicating
Slide 15: Segment Performance
Automobile warranty segment Segment Performance (Millions of yen) • Operating revenue, operating profit, and profit before tax continued to see double-digit growth. • While warranty costs are on the rise due to inflation, we maintained profit growth exceeding operating revenue growth, driven by an i
Slide 16: 05 Auto Mobility Services Segment
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 16 16
Slide 17: Segment Performance
Auto mobility services segment Segment Performance (Millions of yen) • Profit before tax jumped 91.8% YoY, achieving a significant increase. • Driven by the growth in Car Premium Club members, membership fee revenue—a pillar of the new medium-term management plan— has increased steadily. In the curr
Slide 18: 06 Car Premium Club
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 18
Slide 19: Progress in Memberships
Car Premium Club Progress in Car Premium Club Memberships (Unit: companies/stores) • Car Premium Club’s total membership is close to the 6,000-company/store mark, following a net increase of 1,617 companies/stores over the course of FY2026 resulting in strong network growth. Leveraging this growing
Slide 20: 07 Earnings and Dividend Forecast for FY Ending March 31, 2027
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 20 20
Slide 21: Earnings and Dividend Forecast for FY Ending March 31, 2027
Earnings and Dividend Forecast for FY Ending March 31, 2027 (Graph/table unit: Millions of yen) • Operating revenue ¥51.0 billion and profit before tax ¥10.6 billion, marking the 10th consecutive fiscal year of top and bottom line growth since listing. • The annual dividend will be increased to ¥64,
Slide 22: 08 New Medium-Term Management Plan: Change & Prove 2030
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 22 22
Slide 23: Summary of Medium-Term Management Plan: Change & Prove 2030
Summary of Medium-Term Management Plan: Change & Prove 2030 Management’s Numerical Targets (FY2030) Profit attributable to Operating revenue Profit before tax owners of parent P/E ratio Market cap ¥84.0 billion ¥21.0 billion ¥14.0 billion 22 times ¥300.0 billion vs. FY2026: +91% vs. FY2026: +144% vs
Slide 24: 09 Appendix
01 Financial Highlights 02 Summary of Financial Results 03 Finance Segment 04 Automobile Warranty Segment 05 Auto Mobility Services Segment 06 Car Premium Club 07 Earnings and Dividend Forecast for FY Ending March 31, 2027 08 New Medium-Term Management Plan: Change & Prove 2030 09 Appendix 24 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 Finance Warranty Auto Mobility Main business Main business 25.2％ ・Auto credit ・ Automobile warr
Slide 27: Performance by Segment
Performance by Segment (Millions of yen) FY2026 Operating revenue(Portfolio by Segment) Finance Automobile warranty Auto mobility Operating Operating Profit before revenue profit tax 24,801 4,735 4,651 11,066 Finance segment (25.2％) Up 23.1% YoY Up 3.6% YoY Up 2.8% YoY 9,254 (25.4％) 8,010 (18.3％) 6,
Slide 28: Finance Other Indicators
Finance Other Indicators Car Premium Dealer auto Number of sales staff AI credit screening rate loan share* Up 20.3 pts YoY Down 2 YoY Down 1.4 pts YoY 68.3％ 96 35.7％ Maintaining strong Continuing to focus on Further increase screening accuracy to growth underpinned by improving productivity per hea
Slide 29: BS (Millions of yen)
BS (Millions of yen) Compared to FY2025 FY2026.Q3 FY2026 the end of QoQ (As of March 31, 2025) (As of December 31, 2025) (As of March 31, 2026) previous period Assets Cash and cash equivalents 17,159 29,004 26,111 +52.2% △10.0% Future expected earnings Financing receivables 74,719 80,757 91,122 +22.
Slide 30: P/L (Consolidated Cumulative Period)
P/L (Consolidated Cumulative Period) (Millions of yen) FY2025 FY2026 (April 1 - March 31) YoY (April 1, 2024 - March 31, 2025) (April 1, 2025 - March 31, 2026) Operating revenue 36,409 44,042 +21.0% Operating expenses 29,594 35,644 +20.4% Operating profit 6,815 8,398 +23.2% Share of profit of invest
Slide 31: P/L (Consolidated Cumulative Period/Operating Revenue/Operating Expenses)
P/L (Consolidated Cumulative Period/Operating Revenue/Operating Expenses) (Millions of yen) FY2025 FY2026 (April 1 - March 31) YoY (April 1, 2024 - March 31, 2025) (April 1, 2025 - March 31, 2026) Operating revenue Finance income 17,659 20,337 +15.2% Warranty revenue 6,889 7,930 +15.1% Automobility-
Slide 32: P/L (Consolidated Accounting Period)
P/L (Consolidated Accounting Period) (Millions of yen) FY2025.Q4 FY2026.Q3 FY2026.Q4 (January 1 - March 31) YoY QoQ (January 1, 2025 - March 31, 2025) (October 1, 2025 - December 31, 2025) (January 1, 2026 - March 31, 2026) Operating revenue 8,980 10,479 12,676 +41.2% +21.0% Operating expenses 8,174
Slide 33: P/L (Consolidated Accounting Period/Operating Revenue/Operating Expenses)
P/L (Consolidated Accounting Period/Operating Revenue/Operating Expenses) (Millions of yen) FY2025.Q4 FY2026.Q3 FY2026.Q4 (January 1 - March 31) YoY QoQ (January 1, 2025 - March 31, 2025) (October 1, 2025 - December 31, 2025) (January 1, 2026 - March 31, 2026) Operating revenue Finance income 4,686
Slide 34: 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