What Premium Group Japan does

Premium Group Japan (Premier Group / プレミアグループ株式会社) is a Tokyo Stock Exchange Prime-listed (ticker: 7199) auto mobility business group providing integrated financial and service products across Japan's automotive ecosystem. The company operates three core divisions: Finance (auto credit and auto lease), Warranty (Premier Warranty, Premier Warranty EX, Car Premium Warranty, and the Carsensor After Warranty partnership with Recruit), and Automobility Services (maintenance, parts, software, and roadside assistance). With consolidated headcount of approximately 899 employees as of March 2026, the company holds credit receivables of ¥800 billion as of July 2025 and has accumulated over 2 million warranty contracts as of August 2025, up from 1 million in January 2021.

Distribution is anchored by a partner network of more than 2,000 Car Premium Dealer members and over 3,000 Car Premium Garage/FIXMAN maintenance shops, accessed via the proprietary P-Gate dealer portal for quoting, contract management, and dealer coordination. The consumer-facing Car Premium platform — comprising a website, mobile app, and content hub (Car Premium Magazine) — provides warranty purchase, maintenance booking, roadside assistance, and finance applications. Technology infrastructure includes AI-powered credit screening for auto loan underwriting, AI predictive dialing for debt collection, RPA in customer management, IVR auto-call systems, the GATCH SaaS shop management platform with 5,000+ accounts, and a computer-vision partnership with Cognivision for accident repair cost estimation.

The business model is recurring-revenue-driven: interest income and origination fees on auto credit (the largest revenue stream with ¥800B of receivables on balance sheet), recurring lease payments, upfront and renewal warranty premiums, SaaS subscriptions (GATCH, P-Gate), and subscription products including the Choil-Ku used-car subscription (from ¥10,000/month) and Choiisuma distance-based lease. Geographic expansion has extended operations into Thailand (via a 25.5% stake in Eastern Commercial Leasing), Indonesia, the Philippines, and Singapore. The company differentiates from Japan's dominant dealer-affiliated captive finance companies by operating as an independent (非依附型) platform, positioning itself as a one-stop provider from purchase financing through warranty, maintenance, and roadside support.

Name

Premium Group Japan

Legal name

Premium Group Co., Ltd.

Website

https://premium-group.co.jp

Company type

Public

Founded year

2007

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Premium Group Japan is a Tokyo Stock Exchange Prime-listed auto mobility platform providing integrated auto credit, warranty, and maintenance services to Japanese consumers and dealers through 2,000+ dealers and 3,000+ maintenance shops, with growing ASEAN operations in Thailand, Indonesia, Philippines, and Singapore.

Ownership category

akta.pro rank

Product category

Auto Finance and Mobility Services

NAICS

Motor Vehicle Supplies and New Parts Merchant Wholesalers (42312), Motor Vehicle Supplies and New Parts Merchant Wholesalers (423120)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

akta.pro secondary industry

Premium & Luxury Vehicle Leasing (TLABAAAF)

Keywords

• Auto financing
• Vehicle warranty
• Auto leasing
• Automotive services
• Mobility platform

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Auto Credit (オートクレジット): The core business: providing auto financing/loans to individual consumers purchasing vehicles. Revenue comes from interest income and origination fees on credit contracts. The company holds the credit receivables on its balance sheet. As of July 2025, credit receivables outstanding reached 800 billion yen, a key scale indicator. This is the largest revenue driver.
2. Auto Lease (オートリース): Operating and finance leases for vehicles to individuals and businesses, generating recurring lease payments. The company has also developed subscription-style lease products such as 'Choil-Ku' (ちょいカー) used car subscription from ¥10,000/month and 'Choiisuma' (ちょいすま) auto lease.
3. Warranty / Guarantee Services (故障保証): Vehicle breakdown warranty products sold to car buyers at point of sale, generating upfront and recurring premium income. Brands include 'Premier Warranty EX', 'Car Sensor After Warranty', and 'Car Premium Warranty'. Cumulative warranty contracts reached 2 million as of August 2025.
4. Auto Mobility Services (AMS): Maintenance and repair services, parts sales, and network membership services for car dealers and maintenance shops. Includes revenue from in-house maintenance facilities (FIXMAN), parts sales (Premium Parts), and software subscriptions (GATCH). Also includes revenue from the dealer/garage network membership programs.
5. Road Services (プライムロードサービス): 24/7 roadside assistance and emergency road services for warranty customers, generating service fees and enhancing customer retention.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels7 records

Core offering

Premium Group Japan provides auto credit, auto lease, and vehicle warranty products to individual car buyers, alongside operating an integrated mobility services platform that connects consumers with certified dealers, maintenance shops, and roadside assistance. The company bundles financing, breakdown warranty, maintenance services, and automotive parts under the Car Premium brand, and operates proprietary dealer/garage network tools (P-Gate portal, GATCH shop management software).

Product overview

Premium Group Japan is an Auto Mobility Business Group providing comprehensive automotive services organized across three core divisions: Finance (オートクレジット/オートリース), Warranty (故障保証), and Automobility Services (オートモビリティサービス). The Finance division centers on the Auto Credit and Auto Lease products. The Warranty division offers proprietary warranties under the Premier Warranty and Premier Warranty EX brands, the third-party Carsensor After Warranty partnership, and the カープレミア故障保証 product under the company's Car Premium brand. The Automobility Services division spans Premier Parts (auto parts sales), the GATCH shop management software platform (with GATCH Marketing Cloud extension), the P-Gate dealer portal, the Premier Road Service roadside assistance, the comprehensive カープレミア platform (web portal, mobile app, and membership network connecting car buyers to certified shops), the FIXMAN branded repair shop chain, the CIFUT IoT telematics service, branded chemical products (motor oil, brake cleaner), and subscription offerings (ちょいカー used car subscription, ちょいすま auto lease). The group also operates internationally with subsidiaries in Thailand, Indonesia, Philippines, Singapore, and Vietnam.

Differentiator

Problem solved

Functional benefit

Brands

• Car Premium (カープレミア): Comprehensive automotive services platform offering warranty, maintenance, finance, and membership services for individual customers and automobile retailers
• FIX MAN
• GATCH
• Premier Parts
• Choicar (ちょいカー)
• P-Gate

Products and services

• Auto Credit (オートクレジット) Auto loan product providing financing for vehicle purchases by individual consumers. Premium holds the credit receivables on its balance sheet and earns interest income and origination fees. The company's core revenue driver with 800 billion yen credit receivables outstanding as of July 2025.
• Auto Lease (オートリース) Operating and finance lease products enabling vehicle use through monthly rental payments rather than outright purchase. Includes subscription-style 'Choiisuma' (ちょいすま) with distance-based pricing from approximately ¥50,000/month.
• Premium Warranty (プレミア故障保証) Proprietary vehicle fault and breakdown warranty product covering mechanical and electrical failures, sold to car buyers at point of sale. Cumulative warranty contracts exceeded 2 million as of August 2025.
• Carsensor After Warranty (カーセンサーアフター保証) Third-party vehicle warranty product offered in partnership with Recruit Co., Ltd.'s Carsensor brand, providing used car fault coverage as part of the Carsensor aftersales program.
• Car Premium Fault Warranty (カープレミア故障保証) Vehicle fault warranty product under the Car Premium brand offering comprehensive coverage for mechanical failures on used vehicles. Significantly renewed in July 2026.
• GATCH Shop Management Software (業務管理ソフトGATCH) Proprietary automotive repair shop management software for maintenance and repair facilities, with features including imported car parts search, parts ordering, and shop operations management. Subscription per account with over 5,000 accounts as of September 2024.
• P-Gate Dealer Portal (加盟店ポータルP-Gate) Proprietary franchisee/partner portal platform that provides car dealers and maintenance shops with online services including quote applications, contract management, dealer coordination, and business tools for the Premium dealer/garage network of 2,000+ dealers and 3,000+ shops.
• Premier Road Service (プライムロードサービス) 24/7 roadside assistance service providing emergency towing, flat tire change, battery jump-start, and other mobility emergency support for warranty customers, 365 days per year.
• Car Premium Platform (クルマの総合サイト「クルマのことならカープレミア」) Comprehensive automotive services web platform for consumers to search for cars, apply for finance, purchase warranties, find maintenance shops, and access roadside assistance. Serves as central hub for the company's consumer-facing services.
• Car Premium App (カープレミアアプリ) Smartphone application (iOS/Android) for end consumers to access car inspection, maintenance, and warranty services under the Car Premium brand. Free download with revenue generated through in-app service transactions and warranty subscriptions.
• Car Premium Anshin Shop (カープレミアあんしんショップ) Certified network of car maintenance shops that meet Premium's service quality standards and offer the Car Premium Anshin Service warranty product. Pairs standardized quality-assured auto services with shop certification.
• Choicar Used Car Subscription (ちょいカー) Used car subscription service priced at approximately ¥10,000/month (tax included), bundling maintenance, taxes, inspection costs, insurance, and warranty into a single monthly payment. Marketed as industry lowest price class for used car subscriptions.
• FIXMAN Auto Repair Shops (直営整備工場) Proprietary branded auto repair shop chain operated by group company PAS, providing warranty repair services, bodywork, and paint services. Expanding nationally.
• Premium Parts (プレミアパーツ) Auto parts sales service offering recycled and high-quality parts to automotive repair shops. Cumulative orders exceeded 14,000 items as of August 2022, expanded internationally.
• RIDE&LINK Motorcycle Dealer Platform Joint venture company for motorcycle dealer membership business and combined auto/motorcycle dealership operations. Operates the Car Premium Nishitokyo Store opened May 2026.
• Car Premium Visa Card (カープレミアVisaカード) Co-branded credit card jointly offered with Pocket Card, allowing simultaneous application with Premier's auto credit at car dealerships to create a seamless purchase experience.

Quantifiable outcome

• Credit receivables outstanding grew from 500 billion yen (April 2023) to 800 billion yen (July 2025), adding 1,000 billion yen in approximately 2 years
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability8 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered major, core and minor.

• ポケットカード (Pocket Card)majorGTM or Marketing Partner · 11 June 2026Premier Group and Pocket Card launched a co-branded credit card 'Car Premium Visa Card' in June 2026. The card can be applied for simultaneously with Premier's auto credit at car dealerships, creating a seamless purchase experience. The partnership enables Premier to offer bundled financial products at point of sale.
• バイク王&カンパニー (Bike-O & Company)coreStrategic or Co-development Partner · 15 May 2026Premier Group and Bike-O & Company established a joint venture 'RIDE&LINK Co., Ltd.' to operate combined auto-motorcycle dealerships and a membership platform for motorcycle dealers. The venture opened its first multi-brand dealership 'Car Premium Nishitokyo Store' in May 2026. This represents Premier's expansion into the motorcycle market segment.
• Eastern Commercial Leasing p.l.c. (ECL)coreStrategic or Co-development Partner · 11 May 2025Premier Group holds a strategic stake in ECL, Thailand's listed auto finance company (SET: ECL). ECL serves as the hub for Premier's ASEAN auto finance and warranty operations. Premier provided technical know-how and brand support, and increased its stake further through a third-party allocation in 2025. Premier also invested in Etomo Financing Corporation (Philippines) as part of its ASEAN fintech expansion. The relationship includes capital investment, technology transfer, and joint business development.
• auじぶん銀行 (au Jibun Bank)coreGTM or Marketing Partner · 20 December 2024Premier Group and au Jibun Bank (KDDI Group) entered a business partnership to offer partnered auto loan products. Premier's financing products are distributed through au Jibun Bank's customer network. The partnership enables Premier to reach KDDI's large customer base while au Jibun Bank expands its auto lending portfolio.
• 石垣市 (Ishigaki City)minorOthers · 1 August 2024Premier Group signed a partnership agreement with Ishigaki City, Okinawa Prefecture, to contribute to local sustainability and mobility. The partnership supports the city's goal of sustainable mobility society and regional development, aligned with SDGs. Premier also conducted a hometown tax contribution (企业版ふるさと納税) to Ishigaki City.
• DRD4株式会社minorStrategic or Co-development Partner · 1 September 2023Premier partnered with DRD4 to launch a new lease service called 'En-Kiro' (エンキロ) — a distance-based payment model where customers pay according to actual kilometers driven, supporting smarter car usage.
• JA三井リースオート (JA Mitsui Lease Auto)majorStrategic or Co-development Partner · 16 December 2021Premier Group partnered with JA Mitsui Lease Auto to provide breakdown warranty services. The partnership allows JA's customers to access Premier's warranty products anytime, expanding Premier's distribution through the JA agricultural cooperative network.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key risks6 records

Customer concentration

• YouTubeyoutube.com/playlist?list=PLjqQkJFa47AWNWQM4qN-zwQbtkZD5Wfhn
• Xx.com/premiumgroup_hr
• Facebookfacebook.com/premium.gp

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries17 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Premium Group Japan