Premium Group Co., Ltd. · TSE:7199
Premium — FY2022 Earnings Presentation
30 slides from Premium's earnings presentation, May 6, 2022
Slide 1: Financial Results Presentation for FY Ended March 31, 2022
Financial Results Presentation for FY Ended March 31, 2022 May 6, 2022 TSE Prime Section: 7199 Premium Group Co., Ltd.
Slide 2: 1. Summary of Financial Results for FY Ended March 31, 2022 2. Segment Overview
1. Summary of Financial Results for FY Ended P. 3 March 31, 2022 2. Segment Overview P. 9 3. Other Topics P. 15 4. Earnings and Dividend Forecast for FY Ending P. 18 March 31, 2023 5. Appendix P. 22 2
Slide 3: 1. Summary of Financial Results for FY Ended March 31, 2022
1. Summary of Financial Results for FY Ended March 31, 2022
Slide 4: Highlights from FY Ended March 31, 2022
Highlights from FY Ended March 31, 2022 ✓ Market fell below FY21 and FY20 due to lower production of new automobiles owing to semiconductor shortages and reduced number of used passenger vehicles resulting from it ✓ Nevertheless, both credit finance and automobile warranty segments posted record hig
Slide 5: Consolidated Performance
Consolidated Performance (Graph/table unit: millions of yen) ✓ Expansion of the three core businesses drove operating income higher by 16.8% YoY to ¥20,827 million ✓ Profit before tax totaled ¥4,017 million (up 16.0% YoY) due to lower operating expenses from DX and Group synergies YoY Operating inco
Slide 6: Performance by Segment
Performance by Segment (Graph/table unit: millions of yen) ✓ Each segment posting steady growth in operating income ✓ Profit growth of new auto mobility segment results driven by sales of parts and automobile wholesaling Operating Income by Segment FY22 Finance segment Operating income Profit before
Slide 7: Operating Expenses (Consolidated)
Operating Expenses (Consolidated) (Graph unit: millions of yen) ✓ Operating expenses totaled ¥16,992 million (up 14.1% 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
Full-Year Performance (Graph unit: millions of yen) ✓ Continued to post higher sales and profits YoY for five straight years since IPO in 2017 thanks to Group synergies and cost cutting with DX, despite the impacts of market weakness Operating income Profit before tax FY21 results FY22 results FY21
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 202.3 Total volume of new loans: Auto loan PH Auto loan PH…The average monthly total volume of new loans per sales staff 177.4 166.4 +21.6% YoY Auto loan PH: FY21 Q4 alone Q4 alone auto loan PH Unchang
Slide 11: Finance Segment: Loan Receivables
Finance Segment: Loan Receivables (Graph unit: billions of yen, %) Loan receivables 422.3 Loan receivables: Delinquency rate (more than 3 months) 361.4 +16.8% YoY 321.3 Delinquency rate: Loan receivables Delinquency rate 0.78% Factors driving change in delinquency rate ◼ Achieved operational innovat
Slide 12: Finance Segment: Number of Network Stores
Finance Segment: Number of Network Stores Target for 2025 Number of credit network stores Car Premium Dealer Broke through 30,000 Number of credit network stores: 1,500 companies stores Number of network stores Number of paid memberships 25,603 +7.1％ YoY (Car Premium Dealer) 3,000 23,907 1,525 Facto
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 5,154 Automobile warranty: total volume of new warranties Total volume of new warranties 4,363 4,493 +14.7％ YoY Total volume of new warranties in Q4 alone Total volume of products
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 maintenance facilities and membership organizations, etc. Number of network stores Number of paid memberships (Car Premium Garage
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 January 2022 February 2022 Began providing customer Introduced a delegation-based Introduced telework Invested in SaaS company traffic support service executive officer system Evolany DX DX We launched a referral service for individual From the perspective of further strengthening Aimin
Slide 18: 4. Earnings and Dividend Forecast for FY Ending March 31, 2023
4. Earnings and Dividend Forecast for FY Ending March 31, 2023
Slide 19: Consolidated Performance Forecast and Dividend Forecast for FY Ending March 31, 2023
Consolidated Performance Forecast and Dividend Forecast for FY Ending March 31, 2023 (Graph/table unit: millions of yen) ✓ Forecast calls for operating income of ¥24,500 million, profit before tax of ¥4,700 million, and for increased sales and profits for sixth straight year ✓ Considering the recent
Slide 20: Upfront investment in Car Premium website
Upfront investment in Car Premium website (Graph/table unit: millions of yen) ✓ ¥265 million will be used to build a website to support individual customers’ automobile purchase and usage as upfront investment for long-term growth ✓ Aiming to generate synergies between businesses through the site an
Slide 21: Developments heading into the final fiscal year of the MTP
Developments heading into the final fiscal year of the MTP ✓ Steady progress is being made with the key measures in the MTP ✓ Began reviewing initiatives for the next fiscal year and beyond Key measures in the MTP Progress as of FY ended March 31, 2022 Developments in FY ending March 31, 2023 Credit
Slide 22: 5. Appendix
ID 5. Appendix Pp Premium
Slide 23: Company Profile
Company Profile Name Premium Group Co., Ltd. Securities Code / Exchange 7199 / Prime 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 24: Company Profile
ly Company Profile ID Premium Group is “Auto Mobility Company” We(contain car dealers and garages) providing rich car life with customers Main Business Credit Finance Business DMain business DMain business + Auto credit connection + Auto lease + Used car dealer + Ecology credit + Shopping credit + C
Slide 25: 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) FY21 Q1_FY22 Q2_FY22 Q3_FY22 FY22 (As of March 31, (As of June 30, (As of September 30, (As of December 31, (As of March 31, YoY QoQ 2021) 2021) 2021) 2021)
Slide 26: 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) FY21 FY22 (Consolidated cumulative period) YoY (As of March 31, 2021) (As of March 31, 2022) Operating income 17,825 20,827
Slide 27: 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) FY21 FY22 (Consolidated cumulative period) YoY (As of March 31, 2021) (As of March 31, 2022) Operating income Finance income
Slide 28: 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) 2Q_FY22 3Q_FY22 4Q_FY21 1Q_FY22 4Q_FY22 （July 1, 2021 - （October 1, 2021 - (Consolidated accounting period) （January 1, 2021
Slide 29: 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) 2Q_FY22 3Q_FY22 4Q_FY21 1Q_FY22 4Q_FY22 （July 1, 2021 - （October 1, 2021 - (Consolidated accounting period) （January 1, 2021
Slide 30: IR information 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