Credit Saison Co., Ltd. (FRA:QC9)

Credit Saison Statistics

Total Valuation

Credit Saison has a market cap or net worth of EUR 3.10 billion. The enterprise value is 22.11 billion.

Market Cap	3.10B
Enterprise Value	22.11B

Important Dates

The next estimated earnings date is Friday, February 13, 2026.

Earnings Date	Feb 13, 2026
Ex-Dividend Date	Mar 28, 2025

Share Statistics

Current Share Class	143.65M
Shares Outstanding	n/a
Shares Change (YoY)	-7.34%
Shares Change (QoQ)	-1.80%
Owned by Insiders (%)	0.16%
Owned by Institutions (%)	67.17%
Float	126.90M

Valuation Ratios

The trailing PE ratio is 8.24.

PE Ratio	8.24
Forward PE	n/a
PS Ratio	1.02
PB Ratio	0.75
P/TBV Ratio	0.92
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 30.55, with an EV/FCF ratio of -20.20.

EV / Earnings	58.78
EV / Sales	7.53
EV / EBITDA	30.55
EV / EBIT	41.51
EV / FCF	-20.20

Financial Position

The company has a current ratio of 15.24, with a Debt / Equity ratio of 4.87.

Current Ratio	15.24
Quick Ratio	14.58
Debt / Equity	4.87
Debt / EBITDA	29.85
Debt / FCF	-18.39
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.29% and return on invested capital (ROIC) is 1.27%.

Return on Equity (ROE)	9.29%
Return on Assets (ROA)	1.13%
Return on Invested Capital (ROIC)	1.27%
Return on Capital Employed (ROCE)	1.85%
Revenue Per Employee	842,146
Profits Per Employee	103,782
Employee Count	3,624
Asset Turnover	0.12
Inventory Turnover	1.07

Taxes

In the past 12 months, Credit Saison has paid 151.70 million in taxes.

Income Tax	151.70M
Effective Tax Rate	28.59%

Stock Price Statistics

The stock price has decreased by -4.46% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-4.46%
50-Day Moving Average	21.35
200-Day Moving Average	22.08
Relative Strength Index (RSI)	57.64
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Credit Saison had revenue of EUR 3.05 billion and earned 376.11 million in profits. Earnings per share was 2.51.

Revenue	3.05B
Gross Profit	2.02B
Operating Income	475.70M
Pretax Income	530.69M
Net Income	376.11M
EBITDA	674.28M
EBIT	475.70M
Earnings Per Share (EPS)	2.51

Balance Sheet

The company has 443.44 million in cash and 20.13 billion in debt, giving a net cash position of -19.69 billion.

Cash & Cash Equivalents	443.44M
Total Debt	20.13B
Net Cash	-19.69B
Net Cash Per Share	n/a
Equity (Book Value)	4.13B
Book Value Per Share	28.26
Working Capital	21.89B

Cash Flow

In the last 12 months, operating cash flow was -990.62 million and capital expenditures -103.69 million, giving a free cash flow of -1.09 billion.

Operating Cash Flow	-990.62M
Capital Expenditures	-103.69M
Free Cash Flow	-1.09B
FCF Per Share	n/a

Margins

Gross margin is 66.05%, with operating and profit margins of 15.59% and 12.32%.

Gross Margin	66.05%
Operating Margin	15.59%
Pretax Margin	17.39%
Profit Margin	12.32%
EBITDA Margin	22.09%
EBIT Margin	15.59%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.74, which amounts to a dividend yield of 3.44%.

Dividend Per Share	0.74
Dividend Yield	3.44%
Dividend Growth (YoY)	14.87%
Years of Dividend Growth	3
Payout Ratio	27.66%
Buyback Yield	7.34%
Shareholder Yield	10.78%
Earnings Yield	12.13%
FCF Yield	-35.31%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Credit Saison has an Altman Z-Score of 1.4 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	1.4
Piotroski F-Score	4