Slide 1: Financial Results Presentation for FY Ended March 31, 2025
Premium Group Co., Ltd. TSE Prime Section: 7199 Financial Results Presentation for FY Ended March 31, 2025 May 15, 2025 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, 2026 08 Other Progress 09 Appendix Access videos of our financial results presenta
Slide 3: 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, 2026 08 Other Progress 09 Appendix 3
Slide 4: Highlights from FY Ended March 31, 2025 (1)
Highlights from FY Ended March 31, 2025 (1) • Although the impact of the system failure at our subsidiary exceeded our expectations and profit before tax did not reach our forecast, we secured an increase in both revenue and profit • Significant growth in both operating profit and profit before tax,
Slide 5: Highlights from FY Ended March 31, 2025 (2) (Impacts Due to System Failure)
Highlights from FY Ended March 31, 2025 (2) (Impacts Due to System Failure) • The impact of a system failure at our subsidiary on profit before tax was ¥1.31 billion for FY2025 and is expected to be ¥1.21 billion for FY2026 • The total amount of additional costs incurred due to the system failure is
Slide 6: Highlights from FY Ended March 31, 2025 (3)
Highlights from FY Ended March 31, 2025 (3) • New vehicle sales in Q4 were up by double digits YoY, but domestic supply was sluggish, and the used vehicle market remained unchanged from Q3 • Total volume of new loans continues to grow at double digits driven by improved operating rates at Car Premiu
Slide 7: 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, 2026 08 Other Progress 09 Appendix 7
Slide 8: Consolidated Performance
Consolidated Performance (Millions of yen) • Revenue and profit both up for the eight consecutive fiscal year thanks to the accumulation of loan receivables/automobile warranties • Profit before tax fell below the forecast due to the impacts of system failure, but excluding these one-off losses it w
Slide 9: Operating Expenses (Breakdown)
Operating Expenses (Breakdown) (Millions of yen) • With one-off losses from the failure of a core system, operating expenses increased by 16.7% YoY, exceeding the increase in operating revenue of 15.4% YoY • Excluding one-off losses, operating expenses increased 11.9% YoY to ¥28.4 billion, reflectin
Slide 10: 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, 2026 08 Other Progress 09 Appendix 10
Slide 11: Total Volume of New Loans/Loan Receivables
Finance segment Total Volume of New Loans/Loan Receivables (Billions of yen) • Total volume of new loans continues to grow at double digits (up 16.6% YoY) driven by the growth of Car Premium Dealers • Maintained double-digit growth in loan receivables (up 23.1% YoY) • A failure in a core system caus
Slide 12: Segment Performance (Finance)
Finance segment Segment Performance (Millions of yen) • The increase in the long-term prime rate in Q4 was large (from 1.85% to 2.20%, up 0.35%), resulting in a time lag in passing on higher rates to customer interest rates. We hiked all interest rates from March to April 2025, and therefore, expect
Slide 13: 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, 2026 08 Other Progress 09 Appendix 13
Slide 14: Total Volume of New Warranties
Automobile warranty segment Total Volume of New Warranties (Billions of yen) • Double-digit growth in FY2024 due to the effect of warranty fee hikes; steady growth in the number of transactions in FY2025 despite the absence of the effect of price hikes • Despite sluggish sales at major OEMs, the tot
Slide 15: Segment Performance (Automobile Warranty)
Automobile warranty segment Segment Performance (Millions of yen) • The increased number of Car Premium Club network stores has increased the share of our high-margin products developed in-house, contributing to the bottom line • Cost reduction was achieved by strongly encouraging the use of the com
Slide 16: 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, 2026 08 Other Progress 09 Appendix 16
Slide 17: Segment Performance (Auto Mobility Services)
Auto mobility services segment Segment Performance (Millions of yen) • Car Premium Club is growing steadily and profit before tax was strong, up 58.3% YoY • Increased membership and the price revision of the Car Premium Club membership fee secured stable revenue • Seeking to grow each segment, inclu
Slide 18: 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, 2026 08 Other Progress 09 Appendix 18
Slide 19: Progress in Memberships
Car Premium Club Progress in Car Premium Club Memberships (Unit: companies/stores) • For Car Premium Dealer, we focused on preventing turnover and acquiring new members, and as a result, membership numbers are steadily increasing • The number of Diamond members increased by 187 through strong upsell
Slide 20: Earnings and Dividend Forecast for FY Ending March 31, 2026
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, 2026 08 Other Progress 09 Appendix 20
Slide 21: Earnings and Dividend Forecast for FY Ending March 31, 2026
Earnings and Dividend Forecast for FY (Graph/table unit: Millions of yen) Ending March 31, 2026 • Even after additional system costs of ¥1.92 billion, we expect to achieve a ninth consecutive year of increased revenue, profit and dividends • The annual dividend will be increased to ¥54, marking an i
Slide 22: Other Progress
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, 2026 08 Other Progress 09 Appendix 22
Slide 23: Other Progress
Other Progress (Unit: companies/stores) Medium-Term Management Plan (MTP)* Click here for details of Medium-Term Progress (Second Year) Management Plan, ONE & ONLY 2026 Car Premium Club Memberships Rate of FY25 plan FY25 results Car Premium Dealer Progress: 69.4% (Millions of yen) achievement FY2026
Slide 24: 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, 2026 08 Other Progress 09 Appendix 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 Auto Mobility Finance segment 25% Finance warranty segment 50％ Auto Mobility (FY2026) Main busi
Slide 27: Our DX Strategy
Our DX Strategy • In September 2024, we revamped our DX strategy first formulated in May 2021. In April 2025, we were selected as a “DX Stock” for the first time in recognition of this strategy and our results. • We aim to strengthen the foundation for promoting DX by developing DX talent, building
Slide 28: Segments in FY2025
Segments in FY2025 • Premium Auto Parts Co., Ltd., which was under the automobile warranty segment, was transferred to the auto mobility segment. • CIFUT Co., Ltd., which was the under auto mobility segment, was transferred to the finance segment. • The Car Premium business model will continue to un
Slide 29: Performance by Segment
Performance by Segment (Millions of yen) • Operating revenue for each segment was up double digits as a result of the steady growth • In the Finance segment, expenses increased due to the impacts from the failure of a core system, and profit before tax declined by 3.8% YoY to ¥4,526 million Excludin
Slide 30: 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 31: 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 32: 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 33: Other Indicators
Finance Other Indicators Car Premium Dealer auto Number of sales staff AI credit screening rate loan share*1 Up 8.6 pts YoY Down 2 YoY* 2 Down 2.5 pts YoY 48.1％ 98 37.1％ Maintaining strong growth Not planning to increase sales Further increase screening accuracy to underpinned by the increase in sta
Slide 34: B/S
B/S (Millions on yen) Compared to FY2024 FY2025.Q3 FY2025 the end of QoQ (As of March 31, 2024) (As of December 31, 2024) (As of March 31, 2025) previous period Assets Cash and cash equivalents 21,150 18,147 17,159 △18.9% △5.4% Financing receivables 56,419 66,467 74,719 +32.4% +12.4% Other financial
Slide 35: P/L (Consolidated Cumulative Period)
P/L (Consolidated Cumulative Period) (Millions on yen) FY2024 FY2025 (April 1 - March 31) YoY (April 1, 2023 - March 31, 2024) (April 1, 2024 - March 31, 2025) Operating revenue 31,546 36,409 +15.4% Operating expenses 25,351 29,594 +16.7% Operating profit 6,195 6,815 +10.0% Share of profit of invest
Slide 36: P/L (Cumulative Period/Operating Revenue/Operating Expenses)
P/L (Consolidated Cumulative Period/Operating Revenue/Operating Expenses) (Millions on yen) FY2024 FY2025 (April 1 - March 31) YoY (April 1, 2023 - March 31, 2024) (April 1, 2024 - March 31, 2025) Operating revenue Finance income 14,997 17,659 +17.8% Warranty revenue 5,884 6,889 +17.1% Automobility-
Slide 37: P/L (Consolidated Accounting Period)
P/L (Consolidated Accounting Period) (Millions on yen) FY2025.Q3 FY2024.Q4 FY2025.Q4 (October 1 - March 31) (October 1, 2024 - December 31, YoY QoQ (January 1, 2024 - March 31, 2024) (January 1, 2025 - March 31, 2025) 2024) Operating revenue 8,571 9,337 8,980 +4.8% △3.8% Operating expenses 6,784 7,3
Slide 38: P/L (Accounting Period/Operating Revenue/Operating Expenses)
P/L (Consolidated Accounting Period/Operating Revenue/Operating Expenses) (Millions on yen) FY2025.Q3 FY2024.Q4 FY2025.Q4 (October 1 - March 31) (October 1, 2024 - December 31, YoY QoQ (January 1, 2024 - March 31, 2024) (January 1, 2025 - March 31, 2025) 2024) Operating revenue Finance income 3,968
Slide 39: Forward looking statements
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