Credit Saison Co (8253) AI Stock Analysis

• Market Cap: $578.30B
• Dividend Yield: 3.16%
• Average Volume (3M): 674.89K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 1.02
• Revenue Growth: 14.32%
• EPS Growth: -3.45%
• Country: JP
• Employees: 6,138
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 108.85
• Shares Outstanding: 185,444,760
• 10 Day Avg. Volume: 654,510
• 30 Day Avg. Volume: 674,893
• 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 Cap: 6.86
• Enterprise Value/Revenue: 7.93
• Enterprise Value/Gross Profit: 10.70
• Enterprise Value/Ebitda: 27.64
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: ¥4,162.00 ▲(9.47% Upside)

The stock's overall score is driven by strong valuation metrics, with an attractive P/E ratio and dividend yield. Financial performance is solid but hampered by high leverage and negative cash flows. Technical indicators suggest a neutral to bearish outlook, impacting the score.

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 generates revenue through several key streams, primarily from interest income on consumer loans and credit card outstanding balances. The company earns fees from merchants for credit card transactions processed, which contributes significantly to its income. Additionally, it generates revenue from annual fees charged to credit cardholders and service fees for its leasing products. Partnerships with retail and e-commerce businesses enhance its payment solutions, driving transaction volumes that further boost revenue. The company also benefits from cross-selling financial products to its existing customer base, enhancing customer loyalty and increasing overall earnings.

Credit Saison Co Financial Statement Overview

Summary

Credit Saison Co shows strong revenue growth and profitability margins, indicating good financial health. However, high leverage and negative cash flows pose risks, particularly in 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	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	500.15B	492.90B	420.31B	382.54B	362.95B	325.38B
Gross Profit	370.47B	422.82B	329.94B	322.63B	269.95B	254.84B
EBITDA	143.46B	155.60B	160.12B	130.54B	107.88B	114.47B
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	3.40T	3.06T	2.81T	2.57T	2.44T
Total Liabilities	3.99T	3.95T	3.62T	3.30T	3.05T	2.88T
Stockholders Equity	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

• Technical Analysis Sentiment: Neutral
• Last Price: 3802.00
• 50DMA: Negative
• 100DMA: Negative
• 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 Neutral. The current price of 3802 is below the 20-day moving average (MA) of 3843.80, below the 50-day MA of 3857.86, and above the 200-day MA of 3705.01, indicating a neutral trend. The MACD of -23.52 indicates Positive momentum. The RSI at 46.93 is Neutral, neither overbought nor oversold. The STOCH value of 49.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8253.

Credit Saison Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8572	69 Neutral	¥699.34B	13.29	8.40%	3.81%	7.25%	-0.63%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8253	66 Neutral	$578.30B	8.57	9.55%	3.16%	14.32%	-3.45%
8584	66 Neutral	¥181.39B	8.30	―	4.56%	2.95%	-23.15%
8252	64 Neutral	$527.17B	19.02	11.77%	3.93%	8.56%	9.63%
8570	63 Neutral	$320.51B	22.62	3.05%	3.57%	10.31%	-40.64%
8515	60 Neutral	€229.76B	9.81	11.42%	1.48%	15.95%	2.03%

Credit Saison Co Corporate Events

Credit Saison Announces Progress in Stock Buyback Program

Credit Saison Co., Ltd. has announced the status of its stock buyback program, revealing that it has repurchased 853,800 shares worth approximately 3.3 billion yen between September 1 and September 30, 2025. This buyback is part of a larger initiative approved by the Board of Directors to repurchase up to 10 million shares by the end of 2025, aiming to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:8253) stock is a Buy with a Yen4325.00 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., Ltd. Updates on Stock Buyback Program

Credit Saison Co., Ltd. announced the status of its stock buyback program, revealing that it has repurchased 1,310,300 shares valued at 5,076,360,292 yen between August 1 and August 31, 2025. This buyback is part of a larger initiative approved by the Board of Directors to repurchase up to 10,000,000 shares, with a total value of up to 20,000,000,000 yen, by the end of December 2025. The move is likely aimed at enhancing shareholder value and optimizing the company’s capital structure.

The most recent analyst rating on (JP:8253) stock is a Hold with a Yen4080.00 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. Reports Revenue Growth Amid Profit Decline

Credit Saison Co., Ltd. is a Tokyo Stock Exchange-listed company primarily engaged in the financial services sector, offering a range of services including credit card, leasing, and finance-related operations.

Credit Saison Reports Q1 2025 Financial Results with Revenue Growth

Credit Saison Co., Ltd. reported its consolidated financial results for the three months ended June 30, 2025, showing an increase in net revenue by 8.9% year-on-year, despite a decline in profit before tax and profit attributable to owners of the parent. The company maintained its earnings forecast for the fiscal year ending March 31, 2026, indicating a projected increase in net revenue by 13.3%. The announcement reflects the company’s ongoing efforts to stabilize its financial performance amidst market fluctuations, with implications for its stakeholders regarding future growth and dividend expectations.

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 Co. Updates on Stock Buyback Progress

Credit Saison Co., Ltd. has announced the status of its stock buyback program, under which it has repurchased 1,070,300 shares for a total of 4,225,700,696 yen from July 1 to July 31, 2025. This buyback is part of a broader initiative approved by the Board of Directors to repurchase up to 10,000,000 shares, with the aim of enhancing shareholder value and optimizing capital structure.

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.