Premium Group Co., Ltd. · TSE:7199
Premium — Q3 FY2026 Earnings Presentation
38 slides from Premium's earnings presentation, Feb 10, 2026
Slide 1: Financial Results Presentation for Q3 of FY Ending March 31, 2026
Premium Group Co., Ltd. TSE Prime Section: 7199 Financial Results Presentation for Q3 of FY Ending March 31, 2026 February 10, 2026 1
Slide 2: Agenda
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Slide 3: Financial Highlights
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Slide 4: Financial Results Highlights from Q3 of FY Ending March 31, 2026
Financial Results Highlights from Q3 of FY Ending March 31, 2026 • Although operating profit and profit before tax came in lower than the previous Q3 YTD, both did return to year-on-year growth in Q3 alone (profit before tax was up 9.9% in Q3 alone). In Q4, we are also set to see an increase year on
Slide 5: Full-Year Forecast
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Slide 6: Full-Year Forecast (Revised Downward)
Full-Year Forecast (Revised Downward) • The operating revenue forecast remains unchanged from the initial plan, and we continue to see steady revenue growth. • Although profit before tax is forecast to increase by 24.1% or more year on year, marking the highest profit ever, we have revised our perfo
Slide 7: Full-Year Forecast (Revised Downward) and Status of System Failure
Full-Year Forecast (Revised Downward) and Status of System Failure • The support costs due to system failure totaled 1.46 billion yen (+ 0.25 billion yen vs. target) in Q3 YTD • As for the reversal of the allowance for doubtful accounts, we achieved the initial target of ¥0.71 billion in Q3. • The c
Slide 8: Market and KPIs
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Slide 9: Market and KPIs for Q3 FY2026
Market and KPIs for Q3 FY2026 • Sales of both new and used passenger vehicles in Q3 alone fell year on year. Sales of used passenger vehicles Q3 YTD were at the same level as the previous nine-month period, while the overall market remained at a standstill. • Total volume of new loans shifted to a r
Slide 10: Summary of Financial Results
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Slide 11: Consolidated Performance
Consolidated Performance (Millions of yen) • Operating revenue is progressing as planned. • We made steady progress in our efforts to reduce operating expenses (YoY change Q1: 27.1% → Q2: 23.4% → Q3: 20.0%). • Excluding one-off losses, profit before tax increased by 21.6% year on year. FY25 Q3 FY26
Slide 12: Operating Expenses (Breakdown)
Operating Expenses (Breakdown) (Millions of yen) • Excluding system support costs, etc., operating expenses increased 12.1% YoY to ¥24.0 billion, and efforts to reduce operating expenses will continue. FY25 Q3 Operating expenses FY26 Q3 Operating expenses ¥21,420 million ¥25,705 million (up 20.0% Yo
Slide 13: Finance Segment
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Slide 14: Total Volume of New Loans/Loan Receivables
Finance segment Total Volume of New Loans/Loan Receivables (Billions of yen) • Total volume of new loans shifted to a recovery trend, although the impact of Q2 remains*1. We will return to a structure where we can focus on sales activities, strengthen member acquisition and follow-up with network st
Slide 15: Segment Performance (Finance)
Finance segment Segment Performance (Millions of yen) • Operating revenue grew by double digits on the back of a stable revenue base. • The delay*1 in recognition of revenue due to the system failure will result in an increase to (¥0.46 billion), but is expected to be recorded as revenue as delinque
Slide 16: Automobile Warranty Segment
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Slide 17: Total Volume of New Warranties
Automobile warranty segment Total Volume of New Warranties (Billions of yen) • While the number of used passenger vehicles registered remained stagnant, total volume of automobile warranties increased by 18.0% year on year, demonstrating strong growth throughout the fiscal year. • Both proprietary w
Slide 18: Segment Performance (Automobile Warranty)
Automobile warranty segment Segment Performance (Millions of yen) • Figures for both operating revenue and profit before tax continue to see double-digit growth. • Profit before tax increased by 32% year on year as a result of the stable acquisition of automobile warranties and ongoing efforts to re
Slide 19: Auto Mobility Segment
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Slide 20: Segment Performance (Auto Mobility)
Auto mobility segment Segment Performance (Millions of yen) • Profit before tax increased by 51.6% year on year, marking a significant increase higher than Q2. • Stable growth in Car Premium Club and subscription (leasing) services, as well as the reduction of operating expenses across the entire Au
Slide 21: Car Premium Club
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Slide 22: Progress in Car Premium Club Memberships
Car Premium Club Progress in Car Premium Club Memberships (Unit: companies/stores) • Car Premium Club’s total membership now exceeds 5,000 companies/stores. • Car Premium Dealer saw robust growth in Diamond memberships, up 238 companies, and Gold memberships, up 1,084 companies, both YoY • We are mo
Slide 23: Other Progress
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Slide 24: Other Progress
Other Progress Overview of Organizational Restructuring (Absorption-type Merger) Reorganize the three core businesses of Finance, Automobile Warranty, and auto mobility services as "Business Divisions" (Effective April 1, 2026) Absorption-type merger of four major subsidiaries with Premium Group Co.
Slide 25: Appendix
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Slide 26: 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 27: 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 25％ Finance Finance warranty 50％ Auto Mobility (FY2026) Main business Main busine
Slide 28: Performance by Segment
Performance by Segment (Millions of yen) Q3 FY2026 Operating revenue Finance Automobile warranty Auto mobility Operating Operating Profit before revenue profit tax Excluding one-off losses [4,583] Up 6.9% YoY 17,733 3,164 3,126 7,577 Finance segment Down 27.0% Down 27.0% (24.3％) Up 14.7% YoY 6,786 Y
Slide 29: 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 30: 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 31: (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 32: Finance Segment Other Indicators
Finance segment Other Indicators Car Premium Dealer auto Number of sales staff AI credit screening rate loan share*1 Up 22.1 pts YoY Down 3 YoY Down 1.9 pts YoY 66.6％ 95 36.6％ Maintaining strong Focusing on increasing sales Further increase screening accuracy to growth underpinned by staff PH*2 cont
Slide 33: BS
BS (Millions of yen) Compared to FY2025 FY2026.Q2 FY2026.Q3 the end of QoQ (As of March 31, 2025) (As of September 30, 2025) (As of December 31, 2025) previous period Assets Cash and cash equivalents 17,159 24,160 29,004 +69.0% +20.0% Financing receivables 74,719 78,990 80,757 +8.1% +2.2% Other fina
Slide 34: P/L (Consolidated Cumulative Period)
P/L (Consolidated Cumulative Period) (Millions of yen) FY2025.Q1-Q3 FY2026.Q1-Q3 (April 1 - December 31) YoY (April 1, 2024 - December 31, 2024) (April 1, 2025 - December 31, 2025) Operating revenue 27,429 31,366 +14.4% Operating expenses 21,420 25,705 +20.0% Operating profit 6,009 5,662 △5.8% Share
Slide 35: P/L (Cumulative Period/Operating Revenue/Operating Expenses)
P/L (Consolidated Cumulative Period/Operating Revenue/Operating Expenses) (Millions of yen) FY2025.Q1-Q3 FY2026.Q1-Q3 (April 1 - December 31) YoY (April 1, 2024 - December 31, 2024) (April 1, 2025 - December 31, 2025) Operating revenue Finance income 12,973 15,127 +16.6% Warranty revenue 5,093 5,831
Slide 36: P/L (Consolidated Accounting Period)
P/L (Consolidated Accounting Period) (Millions of yen) FY2025.Q3 FY2026.Q2 FY2026.Q3 (October 1 - December 31) YoY QoQ (October 1, 2024 - December 31, 2024) (July 1, 2025 - September 30, 2025) (October 1, 2025 - December 31, 2025) Operating revenue 9,337 10,592 10,479 +12.2% △1.1% Operating expenses
Slide 37: P/L (Accounting Period/Operating Revenue/Operating Expenses)
P/L (Consolidated Accounting Period/Operating Revenue/Operating Expenses) (Millions of yen) FY2025.Q3 FY2026.Q2 FY2026.Q3 (October 1 - December 31) YoY QoQ (October 1, 2024 - December 31, 2024) (July 1, 2025 - September 30, 2025) (October 1, 2025 - December 31, 2025) Operating revenue Finance income
Slide 38: 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