Credit Saison Co Ltd (JP:8253)
:8253
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Credit Saison Co
(8253)
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Rating:73Outperform
Price Target:
¥4,473.00
▲(3.14% Upside)
Action:UpgradedDate:02/18/26
The score is driven primarily by solid financial profitability and growth, tempered by high leverage and negative operating/free cash flow. Technicals are strong with clear trend support above major moving averages, and valuation is supportive with a moderate P/E and a 2.51% dividend yield.
Positive Factors
Revenue & Margin Strength
Consistent top-line expansion combined with high gross (77.8%) and healthy net margins (13.5%) indicates durable operating efficiency in core card and finance operations. These margins support reinvestment, cushion downturns, and underpin sustainable profitability across payment and lending activities.
Negative Factors
High Financial Leverage
Very high debt-to-equity increases sensitivity to interest rates and funding conditions, constraining strategic flexibility. Over a multi-month horizon, leverage elevates refinancing and regulatory risk, and limits the firm's ability to absorb credit shocks or pursue opportunistic investments without raising capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Strength
Consistent top-line expansion combined with high gross (77.8%) and healthy net margins (13.5%) indicates durable operating efficiency in core card and finance operations. These margins support reinvestment, cushion downturns, and underpin sustainable profitability across payment and lending activities.
Read all positive factors
Credit Saison Co (8253) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥673.64B
Dividend Yield2.79%
Average Volume (3M)674.89K
Price to Earnings (P/E)7.0
Beta (1Y)0.99
Revenue Growth12.44%
EPS Growth-9.17%
CountryJP
Employees6,138
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)428.86
Shares Outstanding185,444,760
10 Day Avg. Volume654,510
30 Day Avg. Volume674,893
Financial Highlights & Ratios
PEG Ratio-1.26
Price to Book (P/B)0.78
Price to Sales (P/S)1.12
P/FCF Ratio-2.19
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥5,120.00Price Target Upside18.05% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)527.36
Revenue Forecast (FY)¥502.48B
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 earns revenue from (1) credit card and payment-related income and (2) finance/loan-related income. In its card business, it generates merchant discount (acquiring) fees when cardholders use its cards at participating mercha...
Credit Saison Co Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 499.49B | 492.24B | 424.23B | 382.58B | 362.95B | 325.38B |
| Gross Profit | 353.75B | 355.75B | 301.19B | 260.77B | 240.13B | 226.21B |
| EBITDA | 125.97B | 163.82B | 154.16B | 106.87B | 90.19B | 89.62B |
| Net Income | 65.90B | 66.40B | 72.99B | 43.60B | 35.38B | 36.13B |
Balance Sheet | ||||||
| Total Assets | 4.70T | 4.67T | 4.34T | 3.90T | 3.61T | 3.41T |
| Cash, Cash Equivalents and Short-Term Investments | 101.84B | 139.40B | 108.75B | 159.67B | 108.97B | 101.00B |
| Total Debt | 3.48T | 3.41T | 3.06T | 2.81T | 2.58T | 2.44T |
| Total Liabilities | 3.99T | 3.95T | 3.62T | 3.30T | 3.05T | 2.88T |
| Stockholders Equity | 697.33B | 705.68B | 705.05B | 598.30B | 562.39B | 530.97B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -253.24B | -232.68B | -145.73B | -86.88B | -21.84B |
| Operating Cash Flow | 0.00 | -232.43B | -213.40B | -130.09B | -70.44B | -4.70B |
| Investing Cash Flow | 0.00 | -31.27B | -85.75B | -43.83B | -51.62B | -10.62B |
| Financing Cash Flow | 0.00 | 296.52B | 246.70B | 224.54B | 129.26B | 6.22B |
Credit Saison Co Technical Analysis
Positive
4337.00
Price Trends
4307.17
Positive
4156.36
Positive
3960.52
Positive
Market Momentum
44.79
Negative
53.39
Neutral
46.28
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 4337 is above the 20-day moving average (MA) of 4224.75, above the 50-day MA of 4307.17, and above the 200-day MA of 3960.52, indicating a bullish trend. The MACD of 44.79 indicates Negative momentum. The RSI at 53.39 is Neutral, neither overbought nor oversold. The STOCH value of 46.28 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥673.64B | 7.04 | 9.13% | 2.79% | 12.44% | -9.17% | |
69 Neutral | ¥774.06B | 10.93 | 7.97% | 3.48% | 6.28% | -7.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥180.94B | 9.94 | ― | 4.42% | 2.57% | -28.03% | |
61 Neutral | ¥324.72B | 14.33 | 3.46% | 3.04% | 7.13% | 34.82% | |
61 Neutral | ¥535.43B | 21.83 | 11.30% | 3.66% | 7.88% | 15.78% |
* Financial Sector Average
JP:8253
Credit Saison Co
4,310.00
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27.65%
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Credit Saison Co Corporate Events
Credit Saison Grows Revenue but Sees Profit Decline, Raises Dividend Outlook
Feb 13, 2026
Credit Saison reported net revenue of ¥353.7 billion for the nine months to December 31, 2025, up 12.8% year on year, while business profit rose 4.3% to ¥83.3 billion. Profit attributable to owners of the parent fell 15.3% to ¥48.8 ...
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.