Credit Saison Co (8253) AI Stock Analysis

• Market Cap: ¥620.34B
• Dividend Yield: 3.02%
• Average Volume (3M): 619.92K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 1.15
• Revenue Growth: 17.11%
• EPS Growth: -6.27%
• Country: JP
• Employees: 6,138
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Credit Services
• EPS (TTM): 60.49
• Shares Outstanding: 185,444,760
• 10 Day Avg. Volume: 687,680
• 30 Day Avg. Volume: 619,923
• PEG Ratio: 0.26
• Price to Book (P/B): 0.44
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.80
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥3,731.00
• Price Target Upside: -7.05% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 74 Outperform
• Price Target: ¥4,312.00 ▲(7.42%Upside)

Credit Saison Co's stock is bolstered by strong technical indicators and an attractive valuation, suggesting potential for price appreciation. However, financial performance is slightly hindered by high leverage and negative cash flows, creating caution in liquidity management. The absence of recent earnings call data and corporate events means the score heavily relies on the available financial, technical, and valuation metrics.

Credit Saison Co Business Overview & Revenue Model

Company Description

Credit Saison Co., Ltd. is a Japanese financial services company primarily engaged in the credit card business. It operates in various sectors, including credit services, leasing, and finance-related businesses. The company is known for its diversified financial solutions, offering a wide range of credit cards, installment credit services, and other financial products to both individual and corporate customers. Credit Saison also engages in leasing and rental services, as well as insurance agency services, making it a comprehensive provider of financial services in Japan.

How the Company Makes Money

Credit Saison makes money primarily through its credit card business, which includes revenue from annual membership fees, merchant fees, and interest income from revolving credit balances. The company earns a significant portion of its revenue from transaction fees charged to merchants whenever customers use their credit cards for purchases. Additionally, interest income from customers who carry a balance on their credit cards is a critical revenue stream. Credit Saison also generates income through its leasing and financing operations, offering a variety of financial products such as loans and installment payment services. Furthermore, the company benefits from partnerships and collaborations with other financial institutions and retail companies, which help expand its customer base and enhance its service offerings. These partnerships often involve co-branded credit cards and joint promotional activities, contributing to increased card usage and customer engagement.

Credit Saison Co Financial Statement Overview

Summary

Credit Saison Co shows strong revenue growth and healthy profitability margins, with a robust gross profit margin of 77.8% and a net profit margin of 13.5%. However, the high debt-to-equity ratio of 4.83 and negative cash flows indicate potential risks in financial leverage and liquidity management.

Income Statement

Credit Saison Co has demonstrated robust revenue growth with a significant increase from 2023 to 2025. Gross profit margin is strong at 77.8%, reflecting efficient cost management, and the net profit margin is healthy at 13.5%. However, there is a slight decline in net income from 2024 to 2025, impacting the overall profitability trend. EBIT and EBITDA margins are also satisfactory, indicating operational efficiency.

Balance Sheet

The company's debt-to-equity ratio is high at 4.83, indicating potential financial leverage risks. Despite this, the equity ratio remains stable at 15.1%, showcasing adequate equity backing. Return on equity (ROE) is strong at 9.4%, signifying effective utilization of shareholders' equity to generate profit.

Cash Flow

Credit Saison Co faces challenges in cash flow management with negative operating and free cash flows, suggesting cash outflows exceeding inflows. The operating cash flow to net income ratio is negative, indicating issues in converting sales into actual cash. Free cash flow growth is also negative, impacting liquidity.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	476.17B	492.90B	420.31B	382.54B	362.95B	325.38B
Gross Profit	391.66B	383.71B	329.94B	322.63B	299.01B	282.62B
EBITDA	131.16B	155.60B	160.12B	74.97B	70.27B	65.74B
Net Income	68.54B	66.40B	72.99B	43.60B	35.38B	36.13B
Balance Sheet
Total Assets	4.72T	4.67T	4.34T	3.90T	3.61T	3.41T
Cash, Cash Equivalents and Short-Term Investments	128.92B	139.40B	108.75B	159.67B	108.97B	101.00B
Total Debt	3.44T	3.40T	3.06T	2.81T	2.57T	2.44T
Total Liabilities	3.99T	3.95T	3.62T	3.30T	3.05T	2.88T
Stockholders Equity	715.57B	705.68B	705.05B	598.30B	562.39B	530.97B
Cash Flow
Free Cash Flow	29.41B	-253.24B	-232.68B	-145.73B	-86.88B	-21.84B
Operating Cash Flow	34.30B	-232.43B	-213.40B	-130.09B	-70.44B	-4.70B
Investing Cash Flow	9.67B	-31.27B	-85.75B	-43.83B	-51.62B	-10.62B
Financing Cash Flow	-52.71B	296.52B	246.70B	224.54B	129.26B	6.22B

Credit Saison Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4014.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8253, the sentiment is Positive. The current price of 4014 is above the 20-day moving average (MA) of 4007.75, above the 50-day MA of 3773.08, and above the 200-day MA of 3529.15, indicating a bullish trend. The MACD of 27.90 indicates Positive momentum. The RSI at 57.87 is Neutral, neither overbought nor oversold. The STOCH value of 58.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8253.

Credit Saison Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8584	75 Outperform	¥138.22B	7.44		4.51%	3.24%	-21.75%
8572	75 Outperform	¥663.93B	20.67	4.89%	3.30%	7.81%	-39.49%
8252	75 Outperform	¥550.15B	21.40	10.51%	3.46%	8.15%	9.68%
8253	74 Outperform	¥620.34B	9.38	9.28%	3.02%	17.11%	-6.27%
8570	73 Outperform	¥287.49B	14.73	4.16%	4.20%	9.27%	-6.56%
8515	68 Neutral	¥204.12B	9.00	10.80%	0.24%	15.91%	4.09%
Sector *	67 Neutral	¥713.20B	10.86	7.42%	3.37%	7.74%	16.12%

Credit Saison Co Corporate Events

Credit Saison Co. Updates on Stock Buyback Progress

Credit Saison Co., Ltd. has announced the status of its stock buyback program, which involves repurchasing common stock on the Tokyo Stock Exchange. As of June 30, 2025, the company has bought back 1,858,800 shares valued at over 7.3 billion yen, as part of a larger plan to repurchase up to 10 million shares by the end of the year. This move is likely to impact the company’s market positioning and shareholder value.

The most recent analyst rating on (JP:8253) stock is a Buy with a Yen4000.00 price target. To see the full list of analyst forecasts on Credit Saison Co stock, see the JP:8253 Stock Forecast page.

Credit Saison Announces Treasury Shares Disposal for Executive Compensation

Credit Saison Co., Ltd. announced the disposal of 20,396 treasury shares as part of a restricted stock compensation plan for its directors and executive officers. This move is intended to align the interests of the company’s leadership with those of its shareholders, promoting long-term corporate value growth. The shares are valued at 3,919 yen each, with a total disposal price of approximately 79.9 million yen. The plan includes restrictions on the transfer of shares to ensure alignment with the company’s strategic goals.

The most recent analyst rating on (JP:8253) stock is a Buy with a Yen4000.00 price target. To see the full list of analyst forecasts on Credit Saison Co stock, see the JP:8253 Stock Forecast page.

Credit Saison Announces Stock Buyback Program

Credit Saison Co., Ltd. announced a stock buyback program, acquiring 1,016,800 shares valued at approximately 3.92 billion yen between May 16 and May 31, 2025. This buyback is part of a larger plan approved by the Board of Directors to repurchase up to 10 million shares, worth up to 20 billion yen, by the end of 2025, potentially impacting shareholder value and market perception.

The most recent analyst rating on (JP:8253) stock is a Sell with a Yen2800.00 price target. To see the full list of analyst forecasts on Credit Saison Co stock, see the JP:8253 Stock Forecast page.

Credit Saison Announces Stock Buyback to Enhance Capital Efficiency

Credit Saison Co., Ltd. has announced a resolution by its Board of Directors to initiate a stock buyback program, aiming to enhance capital efficiency and implement a flexible capital policy. The buyback will involve up to 10 million shares, representing 6.7% of the total outstanding shares, with a total value of up to 20 billion yen, to be conducted on the Tokyo Stock Exchange from May 16, 2025, to December 31, 2025.

The most recent analyst rating on (JP:8253) stock is a Buy with a Yen4000.00 price target. To see the full list of analyst forecasts on Credit Saison Co stock, see the JP:8253 Stock Forecast page.

Credit Saison Announces Increased Dividends and Share Buyback Plans

Credit Saison Co., Ltd. announced an increase in dividends from surplus for the fiscal year ended March 31, 2025, with a proposed dividend of 120 yen per share, up from the previous forecast of 110 yen. The company also revealed a dividend forecast for the fiscal year ending March 31, 2026, with an expected increase to 130 yen per share. These decisions are part of Credit Saison’s strategy to strengthen its corporate structure and enhance shareholder value, aligning with its Medium-Term Management Plan. The company also plans additional share buybacks to optimize equity capital, demonstrating a commitment to stable and sustainable financial practices.

The most recent analyst rating on (JP:8253) stock is a Buy with a Yen4000.00 price target. To see the full list of analyst forecasts on Credit Saison Co stock, see the JP:8253 Stock Forecast page.

Credit Saison Reports Fiscal Year 2025 Financial Results

Credit Saison Co., Ltd. reported its consolidated financial results for the fiscal year ending March 31, 2025, showing a 16.9% increase in net revenue to 422,818 million yen. Despite this growth, profit before tax and profit attributable to owners of the parent decreased by 5.3% and 9.0%, respectively. The company announced an increase in annual dividends per share from 105.00 yen to 120.00 yen, reflecting a commitment to returning value to shareholders. The financial outlook for the next fiscal year anticipates continued growth in net revenue and business profit, albeit at a slower pace.

The most recent analyst rating on (JP:8253) stock is a Buy with a Yen4000.00 price target. To see the full list of analyst forecasts on Credit Saison Co stock, see the JP:8253 Stock Forecast page.

Credit Saison Completes Stock Buyback Initiative

Credit Saison Co., Ltd. has completed a stock buyback program, purchasing 438,100 shares for a total of 1,511,075,200 yen between April 1 and April 7, 2025. This buyback is part of a larger initiative approved by the Board of Directors to repurchase up to 25,000,000 shares, enhancing shareholder value and optimizing capital structure.