Credit Saison Co (8253) AI Stock Analysis

• Market Cap: $591.42B
• Dividend Yield: 3.02%
• Average Volume (3M): 674.89K
• Price to Earnings (P/E): 8.8
• Beta (1Y): 1.01
• Revenue Growth: 20.96%
• EPS Growth: 22.58%
• Country: JP
• Employees: 6,138
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 77.81
• 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: 6.70
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: ¥3,963.00 ▼(-0.28% Downside)

The stock's overall score is driven by strong valuation metrics, indicating it may be undervalued. However, financial performance is mixed due to high leverage and negative cash flows, and technical indicators suggest bearish momentum.

Positive Factors

Revenue Growth

The company's robust revenue growth indicates a successful expansion of its financial services, enhancing its market position and long-term profitability.

Profitability Margins

High profitability margins reflect efficient cost management and operational effectiveness, supporting sustained earnings and competitive advantage.

Return on Equity

A strong ROE indicates effective use of shareholder funds to generate profits, enhancing investor confidence and supporting future growth.

Negative Factors

High Leverage

High leverage can increase financial risk and limit flexibility, potentially impacting the company's ability to invest in growth opportunities.

Negative Cash Flows

Negative cash flows indicate challenges in liquidity management, which can constrain operational capabilities and strategic investments.

Decline in Net Income

A decline in net income may signal potential issues in maintaining profitability, affecting long-term financial stability and growth prospects.

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	492.24B	420.31B	382.54B	362.95B	325.38B
Gross Profit	370.47B	422.82B	361.60B	322.64B	299.02B	282.63B
EBITDA	143.46B	166.15B	155.52B	107.78B	91.22B	90.81B
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

• Technical Analysis Sentiment: Positive
• Last Price: 3974.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 3974 is above the 20-day moving average (MA) of 3850.15, above the 50-day MA of 3837.26, and above the 200-day MA of 3747.32, indicating a bullish trend. The MACD of 45.54 indicates Negative momentum. The RSI at 58.28 is Neutral, neither overbought nor oversold. The STOCH value of 80.72 is Negative, 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
8572	69 Neutral	€745.08B	13.99	7.91%	3.61%	6.65%	-4.35%
8253	68 Neutral	$591.42B	8.76	9.13%	3.02%	20.96%	22.58%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥179.15B	8.19	―	4.65%	2.13%	-25.62%
8252	64 Neutral	$532.20B	19.20	11.30%	3.84%	8.02%	19.35%
8570	63 Neutral	$327.10B	23.08	3.05%	3.44%	10.31%	-40.64%
8515	60 Neutral	€220.08B	9.56	13.08%	1.38%	15.37%	26.00%

Credit Saison Co Corporate Events

Credit Saison Reports Increased Revenue but Declining Profits

Credit Saison Co., Ltd. reported its consolidated financial results for the six months ending September 30, 2025, showing a significant increase in net revenue by 16.2% compared to the previous year. Despite the revenue growth, the company experienced a decline in profit before tax and profit attributable to owners of the parent, indicating challenges in maintaining profitability. The company also announced a revision in its projected earnings forecasts, reflecting strategic adjustments in response to market conditions.

Credit Saison Completes Stock Buyback Program

Credit Saison Co., Ltd. has completed a stock buyback program, purchasing 20,100 shares valued at 76,773,499 yen on the Tokyo Stock Exchange. This buyback is part of a larger initiative approved by the Board of Directors to repurchase up to 10,000,000 shares, aiming to enhance shareholder value and optimize capital structure.

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.