Credit Saison Co. Ltd. Stock , CSASF

4,263.00 JPY -48.00 -1.11%
02:30:00 AM TOKIO
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Credit Saison Stock Snapshot

3.98 B
Market Cap in USD
143.71 M
Number of Shares
143.71 M
Total Number of Shares
130.00
Dividend in JPY
3.24
Dividend Yield
9.44
P/E Ratio
76.02
Free Float in %
425.13
EPS in JPY
5,296.01
Book Value per Share in JPY
-901.20
Cash Flow per Share in JPY

Historical Prices for Credit Saison

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Credit Saison Analyst Opinions

  • All
  • Buy
  • Hold
  • Sell
Date Analyst Rating Price

Credit Saison Estimates* in JPY

  2027 2028 2029 2030 2031
Revenue 514,269 547,897 587,401 621,633 656,500
Dividend 163.13 175.00 190.00 216.67 236.67
Dividend Yield (in %) 3.78 % 4.06 % 4.41 % 5.03 % 5.49 %
EPS 550.49 586.72 643.24 707.90 784.07
P/E Ratio 7.83 7.35 6.70 6.09 5.50
EBIT - - - 140,515 153,450
EBITDA - - - - -
Net Profit 83,157 88,005 91,290 97,067 105,467
Net Profit Adjusted 82,068 84,265 92,427 - -
Pre-Tax Profit 113,261 120,363 132,232 140,933 153,900
Pre-Tax Profit Reported 100,349 106,841 118,535 - -
EPS (Non-GAAP) ex. SOE - - - - -
EPS (GAAP) 567.61 610.35 688.13 - -
Gross Income - - - - -
Cash Flow from Investing - - - - -
Cash Flow from Operations - - - - -
Cash Flow from Financing - - - - -
Cash Flow per Share - - - - -
Free Cash Flow 46,601 52,864 58,904 - -
Free Cash Flow per Share - - - - -
Book Value per Share 5,712.16 6,145.37 6,639.64 7,184.67 7,818.47
Net Debt 3,720,212 3,992,454 4,311,716 - -
Research & Development Exp. - - - - -
Capital Expenditure - - - - -
Selling, General & Admin. Exp. 283,380 296,360 307,600 332,850 346,850
Shareholder’s Equity 817,441 870,238 929,292 976,134 1,041,911
Total Assets 5,246,157 5,470,115 5,693,806 5,690,238 5,835,611
  Previous Quarter
ending 09/30/26 		Current Quarter
ending 12/31/26 		Next Quarter
ending 03/31/27 		Current Year
ending 03/31/27 		Next Year
ending 03/31/28
Earnings Estimates
Average Estimate - - - 550.491 JPY 586.718 JPY
Revenue Estimates
Average Estimate 128,092 JPY 131,985 JPY 132,608 JPY 514,269 JPY 547,897 JPY
* Average Estimates in Million (e.g. Revenue) or per share (e.g. Dividend). Source: FactSet

Income Statements in Mio. JPY

2026 2025 2024 2023 2022 2021 2020
Sales 546,269.00 492,235.00 424,234.00 382,580.00 362,952.00 325,378.00 397,109.00
Change of sales in % 10.98 16.03 10.89 5.41 11.55 -18.06 6.80
Gross profit on sales 439,560.00 389,345.00 333,858.00 292,255.00 269,952.00 254,837.00 284,286.00
Gross profit on sales change in % 12.90 16.62 14.24 8.26 5.93 -10.36 0.91
Operating income 197,317.00 157,793.00 127,446.00 99,056.00 78,058.00 85,847.00 75,123.00
Operating income change in % 25.05 23.81 28.66 26.90 -9.07 14.28 1.39
Income before tax 76,761.00 79,756.00 68,336.00 52,182.00 44,564.00 45,796.00 27,458.00
Income before tax change in % -3.76 16.71 30.96 17.09 -2.69 66.79 -40.00
Income after tax 61,728.00 66,398.00 72,987.00 43,600.00 35,375.00 36,133.00 22,863.00
Income after tax change in % -7.03 -9.03 67.40 23.25 -2.10 58.04 -25.08

Balance Sheet in Mio. JPY

2026 2025 2024 2023 2022 2021 2020
Total liabilities 4,176,634.00 3,952,108.00 3,618,231.00 3,277,401.00 3,042,699.00 2,877,190.00 2,871,753.00
Long-term liabilities per share - - - - - - -
Equity 775,541.00 719,028.00 717,611.00 600,040.00 563,738.00 532,057.00 485,475.00
Equity change in % 7.79 0.09 17.84 6.39 5.92 9.55 -1.29
Balance sheet total 4,952,175.00 4,671,136.00 4,335,842.00 3,877,441.00 3,606,437.00 3,409,247.00 3,357,228.00
Balance sheet total change in % 6.02 7.73 11.82 7.51 5.78 1.55 4.51

Key Data in JPY

2026 2025 2024 2023 2022 2021 2020
Sales per share 3,762.21 3,136.01 2,633.52 2,447.45 2,322.37 2,082.37 2,491.26
P/E ratio (year end quote, basic EPS) 9.44 8.34 7.01 6.02 5.76 5.74 8.76
P/E ratio (year end quote, diluted EPS) 9.45 8.35 7.02 6.03 5.76 5.75 8.81
Dividend yield in % 3.24 3.40 2.68 4.17 4.22 3.39 3.58
Equity ratio in % 15.66 15.39 16.55 15.40 15.61 15.61 14.46
Debt ratio in % 84.34 84.61 83.45 84.12 84.27 84.39 85.54

Credit Saison Dividend Calendar

Date Name Dividend *yield Currency
2026 Credit Saison Co. Ltd. 130.00 3.24 JPY
2025 Credit Saison Co. Ltd. 120.00 3.40 JPY
2024 Credit Saison Co. Ltd. 85.00 2.68 JPY
2023 Credit Saison Co. Ltd. 70.00 4.17 JPY
2022 Credit Saison Co. Ltd. 55.00 4.22 JPY
2021 Credit Saison Co. Ltd. 45.00 3.39 JPY
2020 Credit Saison Co. Ltd. 45.00 3.58 JPY
2019 Credit Saison Co. Ltd. 45.00 3.08 JPY
2018 Credit Saison Co. Ltd. 35.00 2.00 JPY
2017 Credit Saison Co. Ltd. 35.00 1.76 JPY
2016 Credit Saison Co. Ltd. 35.00 1.79 JPY
2015 Credit Saison Co. Ltd. 30.00 1.39 JPY
2014 Credit Saison Co. Ltd. 30.00 1.46 JPY
2013 Credit Saison Co. Ltd. 30.00 1.28 JPY
2012 Credit Saison Co. Ltd. 30.00 1.79 JPY
2011 Credit Saison Co. Ltd. 30.00 2.24 JPY
2010 Credit Saison Co. Ltd. 30.00 2.07 JPY
2009 Credit Saison Co. Ltd. 30.00 3.14 JPY
*Yield of the Respective Date

Credit Saison Calendar

Event Estimate Info Date
Earnings Report 77.810 JPY Q2 2026 Earnings Release 11/13/2026
Earnings Report 148.430 JPY Q3 2026 Earnings Release 02/10/2027
Earnings Report 89.920 JPY Q4 2026 Earnings Release 05/20/2027
Earnings Report 151.420 JPY Q1 2027 Earnings Release 08/12/2027
Earnings Report - Q2 2027 Earnings Release 11/11/2027

Credit Saison Past Events

Event Actual EPS Info Date
Earnings Report 108.850 JPY Q1 2026 Earnings Release 08/12/2026
Earnings Report 58.110 JPY Q4 2025 Earnings Release 05/15/2026
Earnings Report 185.480 JPY Q3 2025 Earnings Release 02/13/2026
Earnings Report 74.900 JPY Q2 2025 Earnings Release 11/14/2025
Earnings Report 102.150 JPY Q1 2025 Earnings Release 08/14/2025
Earnings Report 67.000 JPY Q4 2024 Earnings Release 05/15/2025
Earnings Report 110.560 JPY Q3 2024 Earnings Release 02/14/2025
Earnings Report 167.510 JPY Q2 2024 Earnings Release 11/14/2024
Earnings Report 108.430 JPY Q1 2024 Earnings Release 08/09/2024
Earnings Report -10.680 JPY Q4 2023 Earnings Release 05/15/2024
Earnings Report 113.670 JPY Q3 2023 Earnings Release 02/13/2024
Earnings Report 78.820 JPY Q2 2023 Earnings Release 11/10/2023
Earnings Report 97.110 JPY Q1 2023 Earnings Release 08/10/2023
Earnings Report -3.710 JPY Q4 2022 Earnings Release 05/15/2023
Earnings Report 92.140 JPY Q3 2022 Earnings Release 02/09/2023
Earnings Report 66.010 JPY Q2 2022 Earnings Release 11/10/2022
Earnings Report 71.920 JPY Q1 2022 Earnings Release 08/10/2022
Earnings Report 17.520 JPY Q4 2021 Earnings Release 05/13/2022
Earnings Report 83.190 JPY Q3 2021 Earnings Release 02/09/2022

Credit Saison Profile

Credit Saison Co., Ltd. engages in the provision of consumer credit and finance services. It operates through the following segments: Credit Service, Lease, Finance, Real Estate, Global and Entertainment. The Credit Service segment covers businesses related to credit card shopping, cash advance, smartphone settlement, and servicing (loan collection agency). The Lease segment rents out office equipment. The Finance segment deals with credit guarantee and financing. The Real Estate segment handles real estate management and leasing business. The Global segment engages in lending and investment businesses. The Entertainment segment offers amusement business focusing on recreation or game halls. The company was founded on May 1, 1951 and is headquartered in Tokyo, Japan.

Moody’s Daily Credit Risk Score

Risk
  • Low
  • Medium
  • High
7
Moody’s Daily Credit Risk Score is a 1-10 score of a company’s credit risk, based on an analysis of the firm’s balance sheet and inputs from the stock market. The score provides a forward-looking, one-year measure of credit risk, allowing investors to make better decisions and streamline their work ow. Updated daily, it takes into account day-to-day movements in market value compared to a company’s liability structure.

Credit Saison Management

Name Job
Hideo Suzuki Auditor
Masaki Negishi CFO & Managing Executive Officer
Hiroshi Rinno Chairman & Chief Executive Officer
Kosuke Kato Director
Naoki Nakayama Director & Manager-Finance Business
Shunji Ashikaga Director & Managing Executive Officer
Kosuke Mori Director & Senior Managing Executive Officer
Kazutoshi Ono Director, Chief Technology & Development Officer
Noriyuki Abe Executive Officer & Manager-Real Estate Sales
Katsumi Mizuno Executive President, COO & Representative Director
Eiji Sakaguchi Independent Outside Director
Hitoshi Yokokura Independent Outside Director
Yumiko Hoshiba Independent Outside Director
Kozo Makiyama Independent Outside Director
Kazue Yasumori Managing Executive Officer
Naoki Takahashi Representative Director, EVP & Head-Audit Office