Financial Results Presentation for 1H of FY Ending March 31, 2022

Financial Results Presentation

for 1H of FY Ending March 31, 2022

November 5, 2021

TSE First Section: 7199 Premium Group Co., Ltd.

1. Summary of Financial Results for 1H	P. 3
2. Segment Overview	P. 8
3. Other Topics	P. 15
4. Appendix	P. 18

2

1. Summary of Financial Results for 1H

Highlights from 1H of FY Ending March 31, 2022

• The downturn in production of new cars has resulted in used car inventory shortages and soaring prices
• Both credit finance and automobile warranty segments recorded growth in volume that outpaced the market
• The steady performance of our three main segments helped drive performance of core businesses to higher revenue and profit

Market

• Number of new passenger vehicles registered: 1H: Up 2.3% YoY /

2Q alone: Down 11.3% YoY

• Number of used passenger vehicles registered: 1H: Down 2.9% YoY /

2Q alone: Down 11.0% YoY

(Statistical data from the Japan Automobile Dealers Association)

KPIs

	Total volume of new loans:	1H: Up 29.2% YoY / 2Q alone: Up 26.6% YoY
	Total volume of automobile warranties: 1H: Up 12.3% YoY / 2Q alone: Up 2.7% YoY
	Total volume of products developed in-house (automobile warranties): 1H: Up 29.0% YoY / 2Q alone: Up 21.6% YoY

• Operating income: ¥10,104 million (up 20.5% YoY)

Performance	 Profit before: ¥1,915 million (down 4.3% YoY) ※excluding one-offfactors (up 31.5% YoY)
	 Future expected earnings (deferred profit): ¥33,124 million stocked on B/S (up 18.2% YoY)
	Credit finance business: ¥27,566 million, Automobile warranty business: ¥5,272 million, Other businesses: ¥285 million

• Selected for inclusion in JPX-Nikkei Mid and Small Cap Index

Topics  Confirmed conformance with listing criteria of Prime Market, and resolution passed by

Board of Directors for transition application to Prime Market

4

Consolidated Performance

(Graph/table unit: millions of yen)

• Expansion of the three main businesses drove operating income higher by 20.5% YoY
• Even when factoring in one-off profit (gain on bargain purchase, etc.) in FY2020, profit attributable to owners of parent increased

FY21 1H

FY22 1H

YoY change

Operating income		Profit before tax excluding
	one-off factors

Operating income	8,386	10,104	+20.5%
Other income	625	16	-97.5%
	Includes gain on bargain
	purchase of ¥594 million
Operating expenses	6,944	8,216	+18.3%
Profit before tax	2,001	1,915	-4.3%
Profit before tax of	1,457	1,915	+31.5%
core business
Profit attributable to	1,313	1,358	+3.4%
owners of parent
Basic earnings	102.89	106.02	+3.0%
per share (yen)

Up 20.5% YoY

	10,104
8,386	One-off profit
Gain on
	bargain
	purchase
FY21.2Q	FY22.2Q

Up 31.5% YoY
2,001	1,915
545
1,457
FY21.2Q	FY22.2Q	5