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

Credit Saison Statistics

Total Valuation

Credit Saison has a market cap or net worth of EUR 3.65 billion. The enterprise value is 22.96 billion.

Market Cap	3.65B
Enterprise Value	22.96B

Important Dates

The last earnings date was Friday, February 13, 2026.

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

Share Statistics

Current Share Class	143.63M
Shares Outstanding	n/a
Shares Change (YoY)	-8.01%
Shares Change (QoQ)	-1.09%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	143.40M

Valuation Ratios

The trailing PE ratio is 11.68.

PE Ratio	11.68
Forward PE	n/a
PS Ratio	1.26
PB Ratio	0.89
P/TBV Ratio	1.08
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	73.38
EV / Sales	7.83
EV / EBITDA	23.50
EV / EBIT	29.10
EV / FCF	n/a

Financial Position

The company has a current ratio of 13.46, with a Debt / Equity ratio of 4.78.

Current Ratio	13.46
Quick Ratio	12.87
Debt / Equity	4.78
Debt / EBITDA	21.82
Debt / FCF	n/a
Interest Coverage	2.66

Financial Efficiency

Return on equity (ROE) is 7.85% and return on invested capital (ROIC) is 2.16%.

Return on Equity (ROE)	7.85%
Return on Assets (ROA)	1.70%
Return on Invested Capital (ROIC)	2.16%
Return on Capital Employed (ROCE)	2.83%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	802,553
Profits Per Employee	86,341
Employee Count	3,624
Asset Turnover	0.11
Inventory Turnover	0.44

Taxes

In the past 12 months, Credit Saison has paid 141.27 million in taxes.

Income Tax	141.27M
Effective Tax Rate	30.88%

Stock Price Statistics

The stock price has increased by +9.57% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+9.57%
50-Day Moving Average	23.36
200-Day Moving Average	22.64
Relative Strength Index (RSI)	57.93
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 2.91 billion and earned 312.90 million in profits. Earnings per share was 2.12.

Revenue	2.91B
Gross Profit	2.52B
Operating Income	712.26M
Pretax Income	457.45M
Net Income	312.90M
EBITDA	898.53M
EBIT	712.26M
Earnings Per Share (EPS)	2.12

Balance Sheet

The company has 545.06 million in cash and 19.61 billion in debt, with a net cash position of -19.07 billion.

Cash & Cash Equivalents	545.06M
Total Debt	19.61B
Net Cash	-19.07B
Net Cash Per Share	n/a
Equity (Book Value)	4.10B
Book Value Per Share	28.00
Working Capital	21.08B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 86.49%, with operating and profit margins of 24.49% and 10.76%.

Gross Margin	86.49%
Operating Margin	24.49%
Pretax Margin	15.73%
Profit Margin	10.76%
EBITDA Margin	30.89%
EBIT Margin	24.49%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.74, which amounts to a dividend yield of 2.92%.

Dividend Per Share	0.74
Dividend Yield	2.92%
Dividend Growth (YoY)	14.87%
Years of Dividend Growth	4
Payout Ratio	n/a
Buyback Yield	8.01%
Shareholder Yield	10.93%
Earnings Yield	8.56%
FCF Yield	n/a

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 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	1.4
Piotroski F-Score	5