Japan · Delayed Price · Currency is JPY Credit Saison Statistics
Total Valuation
Credit Saison has a market cap or net worth of JPY 536.67 billion. The enterprise value is 3.97 trillion.
| Market Cap | 536.67B |
| Enterprise Value | 3.97T |
Important Dates
The last earnings date was Friday, November 14, 2025.
| Earnings Date | Nov 14, 2025 |
| Ex-Dividend Date | Mar 30, 2026 |
Share Statistics
Credit Saison has 143.65 million shares outstanding. The number of shares has decreased by -7.33% in one year.
| Current Share Class | 143.65M |
| Shares Outstanding | 143.65M |
| Shares Change (YoY) | -7.33% |
| Shares Change (QoQ) | -1.78% |
| Owned by Insiders (%) | 0.16% |
| Owned by Institutions (%) | 67.05% |
| Float | 126.90M |
Valuation Ratios
The trailing PE ratio is 8.59 and the forward PE ratio is 8.00. Credit Saison's PEG ratio is 1.11.
| PE Ratio | 8.59 |
| Forward PE | 8.00 |
| PS Ratio | 1.01 |
| PB Ratio | 0.75 |
| P/TBV Ratio | 0.92 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 1.11 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 30.38, with an EV/FCF ratio of -20.88.
| EV / Earnings | 60.76 |
| EV / Sales | 7.49 |
| EV / EBITDA | 30.38 |
| EV / EBIT | 41.28 |
| EV / FCF | -20.88 |
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 | 146.23M |
| Profits Per Employee | 18.02M |
| Employee Count | 3,624 |
| Asset Turnover | 0.12 |
| Inventory Turnover | 1.07 |
Taxes
In the past 12 months, Credit Saison has paid 26.34 billion in taxes.
| Income Tax | 26.34B |
| Effective Tax Rate | 28.59% |
Stock Price Statistics
The stock price has increased by +8.61% in the last 52 weeks. The beta is 0.30, so Credit Saison's price volatility has been lower than the market average.
| Beta (5Y) | 0.30 |
| 52-Week Price Change | +8.61% |
| 50-Day Moving Average | 3,835.20 |
| 200-Day Moving Average | 3,749.10 |
| Relative Strength Index (RSI) | 46.49 |
| Average Volume (20 Days) | 779,315 |
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 JPY 529.92 billion and earned 65.31 billion in profits. Earnings per share was 435.00.
| Revenue | 529.92B |
| Gross Profit | 350.01B |
| Operating Income | 82.60B |
| Pretax Income | 92.15B |
| Net Income | 65.31B |
| EBITDA | 117.08B |
| EBIT | 82.60B |
| Earnings Per Share (EPS) | 435.00 |
Balance Sheet
The company has 77.00 billion in cash and 3.50 trillion in debt, giving a net cash position of -3,418.16 billion or -23,795.33 per share.
| Cash & Cash Equivalents | 77.00B |
| Total Debt | 3.50T |
| Net Cash | -3,418.16B |
| Net Cash Per Share | -23,795.33 |
| Equity (Book Value) | 717.95B |
| Book Value Per Share | 4,906.92 |
| Working Capital | 3.80T |
Cash Flow
In the last 12 months, operating cash flow was -172.01 billion and capital expenditures -18.00 billion, giving a free cash flow of -190.01 billion.
| Operating Cash Flow | -172.01B |
| Capital Expenditures | -18.00B |
| Free Cash Flow | -190.01B |
| FCF Per Share | -1,322.75 |
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 130.00, which amounts to a dividend yield of 3.48%.
| Dividend Per Share | 130.00 |
| Dividend Yield | 3.48% |
| Dividend Growth (YoY) | 8.33% |
| Years of Dividend Growth | 4 |
| Payout Ratio | 27.66% |
| Buyback Yield | 7.33% |
| Shareholder Yield | 10.83% |
| Earnings Yield | 12.17% |
| FCF Yield | -35.41% |
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
The last stock split was on March 26, 1997. It was a forward split with a ratio of 1.15.
| Last Split Date | Mar 26, 1997 |
| Split Type | Forward |
| Split Ratio | 1.15 |
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 |