Slide 1: Financial Results Presentation for FY Ended March 31, 2021
Financial Results Presentation for FY Ended March 31, 2021 May 10, 2021 TSE First Section: 7199 Premium Group Co., Ltd.
Slide 2: Contents
Contents Summary of Financial Results for FY Ended March 31, 2021 Earnings and Dividend Forecast for FY Ending March 31, 2022 Appendix 2
Slide 3: Summary of Financial Results for FY Ended March 31, 2021
Summary of Financial Results for FY Ended March 31, 2021
Slide 4: Highlights from FY Ended March 31, 2021
Highlights from FY Ended March 31, 2021 ✓ Automobile market recovered ✓ Operating income saw soaring growth amid rising revenue for both loans and warranties and other revenue from subsidiaries ◼ Number of new passenger vehicles registered Full-year: Down 8.7% YoY; Q4 alone: Up 2.2% YoY Market ◼ Num
Slide 5: Consolidated Performance for FY Ended March 31, 2021
Consolidated Performance for FY Ended March 31, 2021 (Graph/table unit: millions of yen) ✓ Operating income totaled ¥17,825 million (up 27.2% YoY) on generation of stock (deferred profit) from business growth ✓ Profit before tax of core business excluding one-off factors totaled ¥3,007 million (up 3
Slide 6: About Profit before Tax of Core Business
About Profit before Tax of Core Business (Graph unit: millions of yen) ✓ Booked one-off profits of ¥441 million in FY20 and ¥456 million for FY21 ✓ Profit before tax of core business excluding one-off factors totaled ¥3,007 million (up 39.0% YoY) One-off profit Profit before tax One-off profit YoY c
Slide 7: Credit Finance Business: Total Volume of New Loans
Credit Finance Business: Total Volume of New Loans Total volume of new loans FY21 Q4 alone 177.4 ¥166.4 Total volume of new loans Total volume of new loans Auto loan PH billion Down Up Auto loan PH…The average (Billions of yen) monthly total volume of new loans 6.2% YoY 5.3% YoY per sales staff 135.
Slide 8: Credit Finance Business: Loan Receivables
Credit Finance Business: Loan Receivables Loan receivables ¥361.4 billion Loan receivables Delinquency rate (more than 3 months) (Billions of yen; %) 321.3 +12.5% YoY Delinquency rate FY21 loan receivables 250.7 Delinquency rate 0.91% Topics related to delinquency rate ◼ The nature of loans did not
Slide 9: Credit Finance Business: Number of Network Stores
Credit Finance Business: Number of Network Stores Number of credit network stores (Companies) 23,907 Number of credit network stores 22,549 +6.0% YoY 20,417 Number of network stores Factors driving change ◼ In FY ended March 31, 2021, focused on increasing share among existing network stores and pro
Slide 10: Automobile Warranty Business: Total Volume of New Warranties
Automobile Warranty Business: Total Volume of New Warranties Total volume of new warranties ¥4,500 million (Millions of yen) 4,360 Automobile warranty: total volume of new EGS warranties EGS ¥1,000 940 million +3.1% YoY FY21 Total volume of Premium Group: +2.1% YoY* Q4 alone Total volume of EGS: +6.
Slide 11: Operating Income (P/L) by Segment
Operating Income (P/L) by Segment (Graph unit: millions of yen) (Figures in parentheses in graph indicate YoY change) ✓ Operating income hit ¥17,825 million (up 27.2% YoY) ✓ In addition to rising revenue from the finance and automobile warranty segments, the new auto mobility services segment also r
Slide 12: Trends in Operating Expenses (P/L)
Trends in Operating Expenses (P/L) (Graph unit: millions of yen) (Parentheses in graph indicate percentage versus operating income) ✓ Operating expenses totaled ¥14,857 million (up 19.3% YoY) ⇒ YoY growth slowed compared to normal years due to cutbacks in sales activities caused by COVID-19 and redu
Slide 13: Other Topics
Other Topics *DX February Launched a used car search engine site called “Premium—the place for cars and financing” DX Digital 2021 With the utility of automobiles being revisited in the midst of the COVID-19 pandemic, we launched a new used car search engine site Transformation that covers the total
Slide 14: Initiatives for FY ending March 31, 2022 (progress)
Initiatives for FY ending March 31, 2022 (progress) Progress to date ・Already hired five sales staff (January Actively recruit sales staff for loans and warranties in order to regain Build 100-person sales high growth rate 2021 to present) ・Announced increase in BIZ sites to 11 1 staff for core busi
Slide 15: Earnings and Dividend Forecast for FY Ending March 31, 2022
Earnings and Dividend Forecast for FY Ending March 31, 2022
Slide 16: Earnings Forecast for FY Ending March 31, 2022
Earnings Forecast for FY Ending March 31, 2022 ✓ Operating income is expected to be more than +10.0% YoY in each three segments ✓ Profit before tax (Excluding One-off profit) is expected to be +16.4% YoY ✓ Annual dividend is expected to be +4 yen YoY ( unit: millions of yen ) Forecast for FY ending
Slide 17: Appendix
Appendix po
Slide 18: Company Profile
Company Profile Name Premium Group Co., Ltd. Securities Code / Exchange 7199 / First Section of Tokyo Stock Exchange Established May 25, 2015 Note: G-ONE Credit Services Co., Ltd. (currently, Premium Co., Ltd.) was established in 2007. Head Office The Okura Prestige Tower, 2-10-4 Toranomon, Minato-k
Slide 19: Overview of Premium Group
Overview of Premium Group Other businesses Automobile warranty business 9.7 % ◼ Auto mobility business Operating income ・Provision of multiple services required for 22.6 % by business (FY Ended March 31, managing automobile logistics business ◼ Overseas business ・Business expansion outside Japan ■Au
Slide 20: BS (Millions of yen)
BS (Millions of yen) Q2_FY21 Q3_FY21 FY20 Q1_FY21 FY21 (As of September 30, (As of December 31, YoY QoQ (As of March 31, 2020) (As of June 30, 2020) (As of March 31, 2021) 2020) 2020) Assets Cash and cash equivalents 6,286 10,236 9,468 7,754 8,024 127.7% 103.5% Financing receivables 20,011 21,551 21
Slide 21: P/L (Consolidated cumulative period)
P/L (Consolidated cumulative period) (Millions of yen) FY20 FY21 YoY (As of March 31, 2020) (As of March 31, 2021) Operating income 14,016 17,825 127.2% Other finance income 5 9 160.2% Share of profit of investments accounted for using - 59 - equity method Other income 2,110 694 32.9% Total income 1
Slide 22: P/L (Consolidated cumulative period)
P/L (Consolidated cumulative period) (Millions of yen) FY20 FY21 YoY (As of March 31, 2020) (As of March 31, 2021) Operating income Finance income 8,158 9,428 115.6% Warranty revenue 3,661 4,024 109.9% Other commission sales 1,300 1,922 147.8% Automobility-related sales 289 1,281 442.6% Software sal
Slide 23: P/L (Consolidated accounting period)
P/L (Consolidated accounting period) (Millions of yen) 4Q_FY20 1Q_FY21 2Q_FY21 3Q_FY21 4Q_FY21 （January 1, 2020 - （April 1, 2020 - （July 1, 2020 - （October 1, 2020 - （January 1, 2021 - YoY QoQ March 31, 2020） June 30, 2020） September 30,2020） December 31, 2020） March 31, 2021） Operating income 3,843
Slide 24: P/L (Consolidated accounting period)
P/L (Consolidated accounting period) (Millions of yen) 4Q_FY20 1Q_FY21 2Q_FY21 3Q_FY21 4Q_FY21 （January 1, 2020 - （April 1, 2020 - （July 1, 2020 - （October 1, 2020 - （January 1, 2021 - YoY QoQ March 31, 2020） June 30, 2020） September 30, 2020） December 31, 2020） March 31, 2021） Operating income Fina
Slide 25: Disclaimer
IR information in this material is for providing financial data and economic condition of Premium Group Co., Ltd.(hereinafter “Company”). However, his information should not announce and guarantee its contents. Statements contained herein that relate to the future operating performance and strategy