Premium Group Co., Ltd. · TSE:7199
Premium — 1H FY2026 Earnings Presentation
36 slides from Premium's earnings presentation, Nov 14, 2025
Slide 1: Financial Results Presentation for 1H of FY Ending March 31, 2026
Premium Group Co., Ltd. TSE Prime Section: 7199 Financial Results Presentation for 1H of FY Ending March 31, 2026 November 14, 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 2 2 Access videos of our financial results presentations on our IR website
Slide 3: 01 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 1H of FY Ending March 31, 2026 (1)
Highlights from 1H of FY Ending March 31, 2026 (1) • Operating profit and profit before tax were down YoY due to increased costs from the parallel operation of legacy and new systems, but remained broadly in line with earnings forecasts. • System support costs are expected to decrease significantly
Slide 5: Highlights from 1H of FY Ending March 31, 2026 (2)
Highlights from 1H of FY Ending March 31, 2026 (2) • The system failure caused profit before tax through Q2 to decline by ¥1.1 billion. • The reversal of allowance for doubtful accounts was ¥0.64 billion against the full-year target of ¥0.71 billion, showing progress in the normalization of receivab
Slide 6: Highlights from 1H of FY Ending March 31, 2026 (3)
Highlights from 1H of FY Ending March 31, 2026 (3) • Both the number of new vehicles sold and the number of used passenger vehicles registered increased slightly YoY. • Although the growth rate in the total volume of new loans will temporarily decline due to the impact of the suspension of new appli
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 Segment 06 Car Premium Club 07 Other Progress 08 Appendix 7 7
Slide 8: Consolidated Performance
Consolidated Performance (Millions of yen) • Operating revenue, operating profit, and profit before tax are generally progressing as planned. • The growth rate of operating expenses has been contained compared to Q1 (Q1: 27.1% to Q2: 23.4%), and is expected to decrease further from Q3 onward. • The
Slide 9: Operating Expenses (Breakdown)
Operating Expenses (Breakdown) (Millions of yen) • Excluding system support costs, etc., operating expenses increased 13.0% YoY to ¥15.9 billion, and efforts to improve cost efficiency will continue. FY25 1H Operating expenses FY26 1H Operating expenses ¥14,042 million ¥17,331 million (up 23.4% YoY)
Slide 10: Full-Year Performance Outlook
Full-Year Performance Outlook (Millions of yen) • System support costs were incurred unevenly in 1H. Although the progress in profit before tax will temporarily slow down compared to FY2025, a recovery is expected from Q3 onward, and full-year progress should be generally in line with the plan. • Th
Slide 11: 03 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: Total Volume of New Loans/Loan Receivables
Finance segment Total Volume of New Loans/Loan Receivables (Billions of yen) • Although the growth rate in the total volume of new loans will temporarily decline due to the impact of the suspension of new applications during the complete switchback to the old system, priority response to collections
Slide 13: Finance Segment Performance
Finance segment Segment Performance (Millions of yen) • Operating revenue maintained double-digit growth, despite a temporary decline in the volume of new loans. Steady growth continues. • The impacts of an increase in delinquencies due to the system failure caused a delay in the recognition of reve
Slide 14: 04 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) • While the number of used passenger vehicles registered was flat, the total volume of new warranties grew significantly, up 18.7% YoY, and the cumulative number of automobiles covered under our warranties broke through the
Slide 16: Automobile Warranty Segment Performance
Automobile warranty segment Segment Performance (Millions of yen) • Operating revenue is trending steadily, recording double digit growth. • Although the number of warranty repairs increased due to the effects of the extreme heat, the operating profit margin continued to rise thanks to continued cos
Slide 17: 05 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 Performance
Auto mobility segment Segment Performance (Millions of yen) • Each core business has grown steadily and profit before tax was strong, up 46.1% YoY • Car Premium Club and subscription-based sales (leasing) continued to perform well, generating stable operating revenue • Software sales rose as the tim
Slide 19: 06 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) • Car Premium Dealer saw robust growth in Diamond memberships, up 190 companies, and Gold memberships, up 908 companies, both YoY • Car Premium Garage is currently preparing to expand its extensive product lineup to i
Slide 21: 07 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: Other Progress
Other Progress About Our Next Medium-Term Regarding claims for damages Management Plan ✓ We aim to promote a growth strategy centered on Mobility,Finance ✓ We recognize that the root cause of this system failure is and IT attributable to various problems in the execution of business, ✓ We aim for a
Slide 23: 08 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 23
Slide 24: 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 25: 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 26: Performance by Segment
Performance by Segment (Millions of yen) Q2 FY2026 Operating revenue Finance Automobile warranty Auto mobility Operating Operating Profit before revenue profit tax Excluding one-off losses 11,787 1,998 1,967 [3,068] 5,104 Up 1.9% YoY Finance segment Up 15.0% Down 33.9% Down 34.7% (24.6％) 4,441 YoY Y
Slide 27: 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 28: 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 29: (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 30: Finance Segment Other Indicators
Finance segment Other Indicators Car Premium Dealer auto Number of sales staff AI credit screening rate loan share*1 Up 23.5 pts YoY Down 3 YoY Down 0.9 pts YoY 65.4％ 96 37.3％ Maintaining strong Not planning to increase sales Further increase screening accuracy growth underpinned by staff significan
Slide 31: BS (Millions of yen)
BS (Millions of yen) Compared to FY2025 FY2026.Q1 FY2026.Q2 the end of QoQ (As of March 31, 2025) (As of June 30, 2025) (As of September 30, 2025) previous period Assets Cash and cash equivalents 17,159 22,989 24,160 +40.8% +5.1% Financing receivables 74,719 77,542 78,990 +5.7% +1.9% Other financial
Slide 32: P/L (Consolidated Cumulative Period)
P/L（Consolidated Cumulative Period） (Millions of yen) FY2025.Q1-Q2 FY2026.Q1-Q2 (April 1 - September 30) YoY (April 1, 2024 - September 30, 2024) (April 1, 2025 - September 30, 2025) Operating revenue 18,092 20,888 +15.5% Operating expenses 14,042 17,331 +23.4% Operating profit 4,050 3,556 △12.2% Sh
Slide 33: P/L (Consolidated Cumulative Period) Breakdown
P/L（Consolidated Cumulative Period） (Millions of yen) FY2025.Q1-Q2 FY2026.Q1-Q2 (April 1 - September 30) YoY (April 1, 2024 - September 30, 2024) (April 1, 2025 - September 30, 2025) Operating revenue Finance income 8,488 9,887 +16.5% Warranty revenue 3,346 3,811 +13.9% Automobility-related sales 2,
Slide 34: P/L (Consolidated Accounting Period)
P/L（Consolidated Accounting Period） (Millions of yen) FY2025.Q2 FY2026.Q1 FY2026.Q2 (July 1 - September 30) YoY QoQ (Jury 1, 2024 - September 30, 2024) (April 1, 2025 - JuLy 30, 2025) (July 1, 2025 - September 30, 2025) Operating revenue 9,418 10,296 10,592 +12.5% +2.9% Operating expenses 7,190 8,71
Slide 35: P/L (Consolidated Accounting Period) Breakdown
P/L（Consolidated Accounting Period） (Millions of yen) FY2025.Q2 FY2026.Q1 FY2026.Q2 (July 1 - September 30) YoY QoQ (Jury 1, 2024 - September 30, 2024) (April 1, 2025 - JuLy 30, 2025) (July 1, 2025 - September 30, 2025) Operating revenue Finance income 4,342 5,020 4,867 +12.1% △3.0% Warranty revenue
Slide 36: 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