Overview
Other Financing Business

Premium Group Co.,Ltd.

Premium Group is a Japanese holding company providing integrated automotive financial and related services through three core segments: Finance (auto credit and leasing), Warranty (vehicle breakdown warranty), and Auto Mobility Services (vehicle inspection, maintenance, and concierge services). The company distributes its products primarily through a nationwide network of affiliated used and new car dealerships, offering auto credit via both direct installment and partner loan structures. It also operates in Thailand through an equity-method affiliate, Eastern Commercial Leasing p.l.c., leveraging its domestic auto finance expertise internationally.

Market Cap
¥83.3B
US$531M
EV
¥—B
Stock¥2,155▼-2.00%
US$1 = ¥156.80 (2026-10-23)
ROE
25.8%
* LTM NI / end-of-period equity
PBR
3.3
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-14.1%pt
1001
Oct 24, 25 – Oct 23, 26StockTOPIX
1Nov 17, 25Earnings downward revision drop
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Performance & Balance
Revenue 5Y (¥B)
20.8US$133M'22/325.3US$161M'23/331.5US$201M'24/336.4US$232M'25/344.0US$281M'26/3
EBITDA 5Y (¥B)
5.66US$36.1M'23/37.84US$50.0M'24/38.67US$55.3M'25/310.5US$67.3M'26/3
Net Income 5Y (¥B)
2.94US$18.8M'22/34.01US$25.5M'23/34.61US$29.4M'24/34.65US$29.7M'25/36.07US$38.7M'26/3
Capital Structure
23%
77%
EquityD/E 3.44xDebt
Liquidity vs Debt 5Y (¥B)▼ Net Debt
CashInv. Sec.Debt
11.4US$72.9M1.55US$9.89M'22/314.9US$94.8M1.68US$10.7M'23/321.2US$135M1.21US$7.72M'24/317.2US$109M54.6US$348M'25/326.1US$167M87.9US$561M'26/3
Shareholders
Top 10 hold 40.2%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
12.03%
2
Custody Bank of Japan, Ltd. (Trust Account)
8.64%
3
Recruit Co., Ltd.
4.63%
4
GOVERNMENT OF NORWAY (Standing Proxy: Citibank, N.A., Tokyo Branch)
2.40%
5
STATE STREET BANK AND TRUST COMPANY 505301 (Standing Proxy: Mizuho Bank, Ltd.)
2.40%
6
ITOCHU Corporation
2.06%
7
Yoichi SHIBATA
2.03%
8
Aozora Bank,Ltd.
2.00%
9
Sompo Japan Insurance Inc.
2.00%
10
RE FUND 107-CLIENT AC (Standing Proxy: Citibank, N.A., Tokyo Branch)
1.97%
Management
9 officers
Yoichi SHIBATA
Representative Director, President
Apr 1982: Joined Sato Shoji Co., Ltd. Apr 1985: Joined Daishinhan Co., Ltd. (now Aplus Financial Co., Ltd.) Dec 2003: Joined Gariver International Co., Ltd. (now IDOM Inc.) Apr 2007: Managing Director, G-One Financial Service Co., Ltd. Apr 2007: Executive Officer, Gariver International Co., Ltd. Aug 2007: Representative Director, President, G-One Credit Service Co., Ltd. (now Premier Co., Ltd.) Apr 2016: Representative Director, President and Representative Executive Officer, Premier Financial Service Co., Ltd. (now Premier Co., Ltd.) May 2016: Director, Eastern Commercial Leasing p.l.c. May 2016: Director, PFS (Thailand) Co., Ltd. (now Premium Asset Management (Thailand) Co., Ltd.) Jul 2016: Representative Director, President and Representative Executive Officer, the Company Nov 2016: Director, Eastern Premium Services Co., Ltd. (now Premium Service (Thailand) Co., Ltd.) Apr 2018: President, PFS (Thailand) Co., Ltd. (now Premium Asset Management (Thailand) Co., Ltd.) Apr 2021: Representative Director, President and Representative Executive Officer, Premier Co., Ltd. Oct 2022: Representative Director, President, Premier Co., Ltd. Apr 2024: Representative Director, President and Representative Executive Officer, Group CEO and COO, the Company Oct 2024: General Manager, Group Management Strategy Headquarters, the Company Feb 2026: Representative Director, President, CEO and General Manager, Group Growth Strategy Headquarters, the Company (current) Apr 2026: Representative Director, Chairman and CEO, Premier Co., Ltd. (current)
1959-12-25
Yoshiyuki TSUCHIYA
Director
Apr 1994: Joined Gakken Credit Co., Ltd. (now JACCS Co., Ltd.) Nov 2007: Joined G-One Credit Service Co., Ltd. (now Premier Co., Ltd.) Jul 2012: Executive Officer, G-One Credit Service Co., Ltd. Apr 2016: Managing Executive Officer, G-One Credit Service Co., Ltd. Jul 2016: Executive Officer, the Company; Director and Managing Executive Officer, Premier Financial Service Co., Ltd. (now Premier Co., Ltd.) Jun 2017: Director, the Company Aug 2017: Director and Managing Executive Officer, Premier Financial Service Co., Ltd. Apr 2019: Director and Managing Executive Officer, Group General Manager, the Company Apr 2019: Director and Managing Executive Officer, General Manager of Credit Risk Management Headquarters, Premier Financial Service Co., Ltd. Director, PFS (Thailand) Co., Ltd. (now Premium Asset Management (Thailand) Co., Ltd.) Apr 2022: Director, Premium Service (Thailand) Co., Ltd. (current) Apr 2023: Senior Executive Officer, the Company Apr 2025: Managing Executive Officer, Group General Manager of Business Strategy Headquarters and Group General Manager of Overseas Business Strategy Department, the Company Apr 2025: Director, Premier Co., Ltd. Jun 2025: Director and Managing Executive Officer, Group General Manager of Business Strategy Headquarters and Group General Manager of Overseas Business Strategy Department, the Company Feb 2026: Director, the Company (current) Director and Executive Officer, COO, General Manager of Overseas Business Strategy Department, Product Strategy Headquarters, Premier Co., Ltd. Apr 2026: Representative Director, President and Executive Officer, COO and General Manager of Operations Headquarters, Premier Co., Ltd. (current)
1968-09-22
Tomohiro KANAZAWA
Director
Apr 1999: Joined Sato Certified Public Accountant Office Dec 2002: Joined Next Gate Co., Ltd. Oct 2003: Joined Gariver International Co., Ltd. (now IDOM Inc.) Mar 2006: Joined G-One Financial Service Co., Ltd. (transfer) Jul 2010: Outside Audit & Supervisory Board Member, SBI Credit Co., Ltd. (now Premier Co., Ltd.) Mar 2011: Joined Gariver International Co., Ltd. (now IDOM Inc.) (transfer) Aug 2011: Joined SBI Credit Co., Ltd. (now Premier Co., Ltd.) Apr 2014: Executive Officer, SBI Credit Co., Ltd. Jul 2016: Executive Officer, the Company; Audit & Supervisory Board Member, Premier Financial Service Co., Ltd. (now Premier Co., Ltd.) Jul 2017: Senior Executive Officer and General Manager of Management Planning Headquarters, the Company Apr 2018: Senior Executive Officer and General Manager of Corporate Headquarters, the Company Apr 2020: Managing Executive Officer and General Manager of Accounting and Finance Department and General Manager of Public Relations and IR Department, the Company Oct 2020: Managing Executive Officer and General Manager of Finance Department, the Company Premium Asset Management (Thailand) Co., Ltd.: Director Jun 2021: Director and Managing Executive Officer, General Manager of Finance Department, the Company Jul 2021: Director and Managing Executive Officer, General Manager of Corporate Headquarters, the Company Apr 2024: Director and Managing Executive Officer, Group CFO and General Manager of IR and Accounting Headquarters, the Company Apr 2025: Director and Managing Executive Officer, General Manager of Internal Audit Department and General Manager of Management Planning Department, the Company Sep 2025: Director and Managing Executive Officer, General Manager of Group Administration Headquarters, Internal Audit Department and Finance Department, the Company Feb 2026: Director and Executive Officer, CFO and General Manager of Finance and Accounting Headquarters and Finance Department, the Company (current)
1974-07-14
Tsugihiro NAKAGAWA
Outside Director
Apr 1984: Joined Recruit Co., Ltd. (now Recruit Holdings Co., Ltd.) Oct 1998: Representative Director, President, Tokai Carsensor Co., Ltd. (now Recruit Carsensor Co., Ltd.) Jun 1999: Representative Director, President, Kyushu Carsensor Co., Ltd. (now Recruit Carsensor Co., Ltd.) Apr 2003: Representative Director, President, Recruit HR Marketing Kansai Co., Ltd. (now Recruit Co., Ltd.) Apr 2006: Executive Officer and Managing Executive Officer, Recruit Staffing Co., Ltd., Recruit Co., Ltd. (now Recruit Holdings Co., Ltd.) Oct 2012: Executive Officer, Recruit Marketing Partners Co., Ltd. (now Recruit Co., Ltd.) Jun 2013: Director, JCM Co., Ltd. Oct 2014: Representative Director, President, Recruit Carsensor Co., Ltd. Apr 2016: Advisor, Recruit Marketing Partners Co., Ltd. (now Recruit Co., Ltd.) Jun 2017: Outside Director, the Company (current) Outside Director, Synchro Food Co., Ltd. Jun 2019: Director, Synchro Food Co., Ltd. Dec 2025: Executive Officer, Synchro Food Co., Ltd. (current)
1960-04-08
Yuka HORIKOSHI
Outside Director
Apr 2001: Joined Iwate Prefectural Government Oct 2006: Registered with Tokyo Bar Association (59th class); joined Sakai & Mimura Law Offices (now Anderson Mori & Tomotsune) Apr 2012: Seconded to Financial Services Agency, Financial Institutions Division, General Affairs Division (concurrently Credit Mechanism Response Office) Apr 2015: Joined Chuo Sogo Law Office (current) Jun 2019: Outside Director, the Company (current) Jun 2021: Outside Director, Regional Economy Vitalization Corporation of Japan (current) Outside Director, WealthPark Co., Ltd.
1975-10-06
Hiromi OSHIMA
Outside Director
Apr 2003: Joined Japan International Cooperation Agency, Institute for International Cooperation Jan 2006: Joined Deloitte Touche Tohmatsu (now Deloitte Touche Tohmatsu LLC) Jun 2011: Joined Marubeni Corporation Apr 2015: Joined Panasonic Corporation (now Panasonic Holdings Corporation) Jun 2019: Director of Business Development, Connected Solutions Company (CNS), Panasonic Corporation (now Panasonic Connect Co., Ltd.) Oct 2021: General Manager of Business Strategy Department, Company Strategy Office, Connected Solutions Company (CNS), Panasonic Corporation (now Panasonic Connect Co., Ltd.) Apr 2022: General Manager of Policy Planning Department, Strategy Headquarters, Panasonic Connect Co., Ltd. Jul 2022: Head, Strategy Headquarters, Panasonic Connect Co., Ltd. Apr 2023: Joined MonotaRO Co., Ltd. Mar 2024: Joined IHI Corporation Apr 2024: Executive Officer, Deputy General Manager of Corporate Planning Department, IHI Corporation Apr 2025: Executive Officer, General Manager of Finance Department, IHI Corporation Apr 2026: Managing Executive Officer, General Manager of Finance Department, IHI Corporation (current) Jun 2020: Outside Director, the Company (current)
1976-08-24
Toshihiro KAMETSU
Full-time Audit & Supervisory Board Member
Mar 1976: Joined Home Study Center Co., Ltd. Feb 1981: Joined Gakken Credit Co., Ltd. (now JACCS Co., Ltd.) (transfer) Apr 2004: Executive Officer and General Manager of Management Department, Gakken Credit Co., Ltd. Nov 2007: Joined G-One Credit Service Co., Ltd. (now Premier Co., Ltd.) Apr 2008: Executive Officer and General Manager of Sales Headquarters, G-One Credit Service Co., Ltd. Aug 2009: Executive Officer and General Manager of Administration Headquarters, G-One Credit Service Co., Ltd. Jul 2011: Audit & Supervisory Board Member, SBI Credit Co., Ltd. (now Premier Co., Ltd.) (part-time from Jul 2016) Jul 2016: Full-time Audit & Supervisory Board Member, the Company (current)
1953-12-10
Setsuo HIGUCHI
Outside Audit & Supervisory Board Member
Apr 1974: Joined Chuo Accounting Office Jun 1988: Representative Partner, Chuo Accounting Office Aug 2007: Representative Partner, Shin Nihon & Co. (now EY Shin Nihon LLC) Jul 2008: Senior Partner, EY Shin Nihon LLC Jun 2011: Director, Higuchi Setsuo Certified Public Accountant Office (current) Jul 2011: Outside Audit & Supervisory Board Member, Social Wire Co., Ltd. (current) Jun 2015: Outside Director, Fukoku Co., Ltd. Jun 2017: Outside Audit & Supervisory Board Member, the Company (current) Dec 2022: Outside Audit & Supervisory Board Member, Land Business Co., Ltd. (current)
1948-10-09
Yukari NARITA
Outside Audit & Supervisory Board Member
Oct 1990: Joined Asahi & Co. (now Azsa LLC) Jan 2001: Representative, Yukari Narita Certified Public Accountant Office (current) May 2010: Professor, Graduate School of Economics, Tohoku University (current) Nov 2013: Outside Director, Cyber Solutions Inc. (current) Feb 2015: Outside Director, Welcia Holdings Co., Ltd. Jun 2025: Outside Audit & Supervisory Board Member, the Company (current)
1964-10-24
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Disclosures
No disclosures
Primary Source Filings
EDINET
2026-09-25
Large Shareholding Report
TDnet
2026-08-10
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-07-23
Large Shareholding Report
EDINET
2026-06-23
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-05-22
Large Shareholding Report
EDINET
2026-05-12
Large Shareholding Report
EDINET
2026-04-07
Large Shareholding Report
EDINET
2026-03-06
Large Shareholding Report
EDINET
2026-02-20
Large Shareholding Report
EDINET
2026-02-20
Large Shareholding Report
TDnet
2026-02-10
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-14
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-08-08
Securities Registration Statement
TDnet
2025-08-08
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-24
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-07
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-08
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINETAmended
2024-11-08
Amended Annual Securities Report
Period: Apr 2023 – Mar 2024
TDnet
2024-07-26
Q1 Earnings Flash
FY ending Mar 2025
EDINETAmended
2024-06-27
Amended Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINETAmended
2024-06-27
Amended Annual Securities Report
Period: Apr 2021 – Mar 2022
EDINET
2024-06-27
Securities Registration Statement
EDINET
2024-06-27
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-13
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-10
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-29
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-14
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-14
Quarterly Securities Report
EDINET
2022-08-12
Quarterly Securities Report
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