Credit Saison Co (8253) AI Stock Analysis

• Market Cap: $643.94B
• Dividend Yield: 3.22%
• Average Volume (3M): 570.54K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 1.07
• Revenue Growth: 14.32%
• EPS Growth: -3.45%
• Country: JP
• Employees: 6,138
• Sector: Financial
• Sector Strength: 65
• Industry: Financial - Credit Services
• EPS (TTM): 108.85
• Shares Outstanding: 185,444,760
• 10 Day Avg. Volume: 783,430
• 30 Day Avg. Volume: 570,540
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 6.16
• Enterprise Value/Revenue: 8.04
• Enterprise Value/Gross Profit: 9.86
• Enterprise Value/Ebitda: 29.26
• 1Y Price Target: $4,315.14
• Price Target Upside: 15.66% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 66 Neutral
• Price Target: ¥4,029.00 ▲(7.99% Upside)

The overall stock score of 66 reflects strong valuation metrics, with an attractive P/E ratio and dividend yield. However, financial performance is mixed due to high leverage and negative cash flows, which are significant risks. Technical indicators suggest bearish momentum, further 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 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	492.90B	492.90B	420.31B	382.54B	362.95B	325.38B
Gross Profit	401.90B	383.71B	329.94B	322.63B	299.01B	282.62B
EBITDA	135.50B	155.60B	160.12B	74.97B	70.27B	65.74B
Net Income	66.40B	66.40B	72.99B	43.60B	35.38B	36.13B
Balance Sheet
Total Assets	4.67T	4.67T	4.34T	3.90T	3.61T	3.41T
Cash, Cash Equivalents and Short-Term Investments	139.40B	139.40B	108.75B	159.67B	108.97B	101.00B
Total Debt	3.40T	3.40T	3.06T	2.81T	2.57T	2.44T
Total Liabilities	3.95T	3.95T	3.62T	3.30T	3.05T	2.88T
Stockholders Equity	705.68B	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: Negative
• Last Price: 3731.00
• 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 Negative. The current price of 3731 is below the 20-day moving average (MA) of 3993.10, below the 50-day MA of 3991.96, and above the 200-day MA of 3609.71, indicating a neutral trend. The MACD of 17.26 indicates Positive momentum. The RSI at 38.22 is Neutral, neither overbought nor oversold. The STOCH value of 58.48 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	67 Neutral	¥836.32B	13.01	9.24%	3.02%	7.93%	10.80%
8253	66 Neutral	$643.94B	9.54	9.55%	3.22%	14.32%	-3.45%
AK5	―	€4.20B	13.03	8.40%	―	―	―
AEOJF	―	$2.14B	19.95	3.09%	4.42%	―	―
MAURF	―	$3.96B	15.02	11.77%	4.66%	―	―
AAU	―	€1.33B	9.27	11.42%	―	―	―
8584	75 Outperform	¥144.62B	8.52		4.31%	2.95%	-23.15%

Credit Saison Co Corporate Events

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.

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.