Credit Saison Co Ltd (JP:8253)
:8253
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Credit Saison Co
(8253)
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Rating:64Neutral
Price Target:
¥4,618.00
▲(6.48% Upside)
Action:Downgraded
Date:05/16/26
The score is driven primarily by financial performance risks—persistent negative operating/free cash flow and high leverage—offset by strong valuation (low P/E and ~3% dividend yield). Technicals are moderately supportive with positive MACD and price above longer-term moving averages.
Positive Factors
Revenue Growth
Multi-year top-line growth through FY2026 indicates durable customer demand for cards, lending and payment services. Sustained revenue expansion supports operating scale, funds product investment and helps the company better absorb credit-cycle swings over the next 2–6 months.
Negative Factors
Persistent Negative Cash Flow
Consistent negative operating and free cash flow across multiple years materially increases reliance on external funding to support balance-sheet growth. This reduces financial flexibility, raises refinancing risk, and makes the company more vulnerable if wholesale funding or credit markets tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Multi-year top-line growth through FY2026 indicates durable customer demand for cards, lending and payment services. Sustained revenue expansion supports operating scale, funds product investment and helps the company better absorb credit-cycle swings over the next 2–6 months.
Read all positive factors
Credit Saison Co (8253) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥545.37B
Dividend Yield2.79%
Average Volume (3M)674.89K
Price to Earnings (P/E)9.4
Beta (1Y)0.97
Revenue Growth11.14%
EPS Growth1.90%
CountryJP
Employees6,138
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)428.86
Shares Outstanding161,102,570
10 Day Avg. Volume654,510
30 Day Avg. Volume674,893
Financial Highlights & Ratios
PEG Ratio4.29
Price to Book (P/B)0.76
Price to Sales (P/S)1.06
P/FCF Ratio-3.86
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥5,150.00Price Target Upside18.75% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)532.8
Revenue Forecast (FY)¥502.34B
Credit Saison Co Business Overview & Revenue Model
Company Description
Credit Saison Co., Ltd. provides leasing, finance, real estate, entertainment, and payment services in Japan and internationally. The company offers credit cards, prepaid and debit cards, smartphone-based services, and loan collection services; an...
How the Company Makes Money
Credit Saison primarily generates revenue from consumer finance and payment operations. Key revenue streams typically include: (1) interest income from revolving credit card balances and other loans/financing provided to customers; (2) fee income ...
Credit Saison Co Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 499.49B | 547.08B | 492.24B | 424.23B | 382.58B | 362.95B |
| Gross Profit | 353.75B | 388.69B | 355.75B | 301.19B | 260.77B | 240.13B |
| EBITDA | 125.97B | 124.99B | 163.82B | 154.16B | 106.87B | 90.19B |
| Net Income | 65.90B | 62.75B | 66.40B | 72.99B | 43.60B | 35.38B |
Balance Sheet | ||||||
| Total Assets | 4.70T | 4.95T | 4.67T | 4.34T | 3.90T | 3.61T |
| Cash, Cash Equivalents and Short-Term Investments | 101.84B | 113.65B | 139.40B | 108.75B | 159.67B | 108.97B |
| Total Debt | 3.48T | 3.58T | 3.41T | 3.06T | 2.81T | 2.58T |
| Total Liabilities | 3.99T | 4.18T | 3.95T | 3.62T | 3.30T | 3.05T |
| Stockholders Equity | 697.33B | 761.66B | 705.68B | 705.05B | 598.30B | 562.39B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -150.97B | -253.24B | -232.68B | -145.73B | -86.88B |
| Operating Cash Flow | 0.00 | -132.84B | -232.43B | -213.40B | -130.09B | -70.44B |
| Investing Cash Flow | 0.00 | -30.68B | -31.27B | -85.75B | -43.83B | -51.62B |
| Financing Cash Flow | 0.00 | 139.98B | 296.52B | 246.70B | 224.54B | 129.26B |
Credit Saison Co Technical Analysis
Negative
4337.00
Price Trends
4250.81
Negative
4257.72
Negative
4020.89
Positive
Market Momentum
-47.52
Positive
39.63
Neutral
18.56
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8253, the sentiment is Negative. The current price of 4337 is above the 20-day moving average (MA) of 4272.60, above the 50-day MA of 4250.81, and above the 200-day MA of 4020.89, indicating a neutral trend. The MACD of -47.52 indicates Positive momentum. The RSI at 39.63 is Neutral, neither overbought nor oversold. The STOCH value of 18.56 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8253.
Credit Saison Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥545.37B | 9.36 | 9.13% | 2.79% | 11.14% | 1.90% | |
63 Neutral | ¥730.36B | 9.20 | 7.97% | 3.48% | 6.29% | 147.90% | |
61 Neutral | ¥327.64B | 15.45 | 3.46% | 3.04% | 7.13% | 34.82% | |
60 Neutral | ¥486.79B | 17.22 | 11.30% | 3.66% | 8.83% | 10.44% | |
56 Neutral | ¥154.84B | 39.58 | ― | 4.42% | 1.18% | -28.29% |
* Financial Sector Average
JP:8253
Credit Saison Co
4,093.00
232.96
6.04%
JP:8572
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467.50
70.05
17.62%
JP:8570
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1,510.00
263.50
21.14%
JP:8252
Marui Group Co
2,728.00
-156.36
-5.42%
JP:8584
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3,490.00
-382.77
-9.88%
Credit Saison Co Corporate Events
Credit Saison Lifts Revenue and Dividend as Profit Softens, Targets Higher Earnings in FY2027
May 15, 2026
Credit Saison reported consolidated net revenue of ¥472.8 billion for the year ended March 31, 2026, up 11.8% year on year, with business profit rising 8.9% to ¥102.0 billion but profit attributable to owners of parent slipping 5.5% to &...
Credit Saison to Cancel 13% of Outstanding Shares in Capital Policy Move
May 15, 2026
Credit Saison Co., Ltd., a major Japanese credit and payments provider listed on the Tokyo Stock Exchange’s Prime Market, is progressing under its medium-term management plan for fiscal 2024–2026 and reviewing its capital structure in ...
Credit Saison Lifts Dividend as Revenue Climbs and Profit Outlook Improves
May 15, 2026
Credit Saison reported consolidated net revenue of ¥472.8 billion for the year ended March 31, 2026, up 11.8% year on year, with business profit rising 8.9% to ¥102.0 billion, even as profit before tax and profit attributable to owners o...
Credit Saison to Cancel 13% of Shares in Capital Policy Move
May 15, 2026
Credit Saison Co., Ltd., a major Japanese credit card and consumer finance provider listed on the Tokyo Stock Exchange’s Prime Market, is executing its strategy under a medium-term management plan covering fiscal years 2024 through 2026. The...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.