Credit Saison Co (8253) AI Stock Analysis

• Market Cap: ¥625.18B
• Dividend Yield: 3%
• Average Volume (3M): 585.22K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 1.16
• Revenue Growth: 17.11%
• EPS Growth: -6.27%
• Country: JP
• Employees: 6,138
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): 60.49
• Shares Outstanding: 185,444,760
• 10 Day Avg. Volume: 434,370
• 30 Day Avg. Volume: 585,220
• PEG Ratio: -4.39
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 19.95
• 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: ¥3,700.53
• Price Target Upside: -7.49% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 74 Outperform
• Price Target: ¥4,312.00 ▲(7.80%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. 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; and payment solutions and business support services for corporate activities, as well as marketing solutions. It also engages in the credit guarantee and finance related businesses; leasing of office equipment; servicing business; real estate business; real estate leasing activities; and digital payment and asset management services, as well as develops and manages amusement centers/arcades. The company was formerly known as Seibu Credit Co., Ltd. and changed its name to Credit Saison Co., Ltd. in October 1989. Credit Saison Co., Ltd. was incorporated in 1951 and is headquartered in Tokyo, Japan.

How the Company Makes Money

Credit Saison Co. makes money through various revenue streams, primarily driven by its credit card operations. The company earns revenue from fees charged to cardholders, including annual fees and interest on revolving credit balances. Additionally, Credit Saison receives transaction fees from merchants for processing payments made with their cards. Another significant revenue source is its loan and financing operations, where the company provides personal loans and installment credit, generating income from interest payments. The leasing business also contributes to revenue by offering equipment and real estate leasing solutions. Furthermore, Credit Saison has strategic partnerships with retail chains and other businesses to expand its customer base and enhance service offerings, which helps boost transaction volumes and profitability. The company also benefits from its asset management division, which involves investment activities that contribute to its overall financial performance.

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

Credit Saison Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4000.00
• 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 4000 is above the 20-day moving average (MA) of 3948.70, above the 50-day MA of 3956.88, and above the 200-day MA of 3572.10, indicating a bullish trend. The MACD of 11.21 indicates Positive momentum. The RSI at 55.67 is Neutral, neither overbought nor oversold. The STOCH value of 52.90 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
8253	74 Outperform	¥625.18B	9.46	9.28%	3.00%	17.11%	-6.27%
Sector *	58 Neutral	HK$92.47B	5.69	-3.20%	4.65%	5.50%	-56.25%
AK5	―	€3.90B	19.47	4.89%	3.47%	―	―
AEOJF	―	$1.97B	15.19	4.16%	0.54%	―	―
MAURF	―	$3.72B	16.53	10.51%	0.15%	―	―
AAU	―	€1.23B	8.65	10.80%	0.24%	―	―
8584	75 Outperform	¥143.41B	7.69		4.35%	3.24%	-21.75%

Credit Saison Co Corporate Events

Credit Saison Completes Treasury Shares Disposal for Executive Compensation

Credit Saison Co., Ltd. has completed the payment procedure for the disposal of treasury shares as restricted stock compensation to its directors and executive officers. This move involves the disposal of 20,396 shares at a price of 3,919 yen per share, totaling 79,931,924 yen. The shares are subject to transfer restrictions until the submission of the company’s semi-annual securities report. This strategic step is part of the company’s compensation plan and does not require a securities notice due to the total disposal price being under 100 million yen.

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 Strategic Restructuring of Subsidiary Operations

Credit Saison Co., Ltd. has announced a strategic restructuring involving the transfer of its subsidiary Concerto Inc.’s non-amusement businesses to a newly established wholly-owned subsidiary. This move is part of Credit Saison’s broader strategy to focus on its core financial services and streamline operations. The amusement business of Concerto will be transferred to Mr. Takamitsu Eguchi, the current Representative Director of Concerto. This restructuring is expected to enhance Credit Saison’s focus on its financial services, potentially impacting its market positioning and operational efficiency.

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 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.