Credit Saison Co Ltd is a consumer finance company operating primarily in Japan. Saison operates in five reportable business segments: credit services, leasing, finance, real estate, and entertainment. Of these, credit services make up the vast majority of revenue. The company is one of Japan's leading card companies. The company issues Visa, MasterCard, American Express, and affinity cards carrying the Saison brand to a multitude of cardholders. Saison also provides insurance and asset management. The company is affiliated with the Mizuho Financial Group.

Financial Strength

2/10

Name	Current	Vs Industry
Cash-To-Debt	0.03
Equity-to-Asset	0.15
Debt-to-Equity	4.73
Debt-to-EBITDA	21.65
Interest Coverage	4.63
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.33	Distress Grey Safe
Beneish M-Score	-2.08	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.8
	3-Year EBITDA Growth Rate	18.4
	3-Year EPS without NRI Growth Rate	18.7
	3-Year FCF Growth Rate	-117.8
	3-Year Book Growth Rate	8.4
	Future 3-5Y Total Revenue Growth Rate	5.27

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	9-Day RSI	100
	14-Day RSI	100
	12-1 Month Momentum %	25.89

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	13.88
	Quick Ratio	13.28
	Cash Ratio	0.37
	Days Inventory	892.15
	Days Sales Outstanding	2767.14
	Days Payable	1696.87

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Dividend Growth Rate	23.6
	3-Year Average Share Buyback Ratio	-1.4
	Shareholder Yield %	-54.29

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	86.01
	Operating Margin %	29.31
	Net Margin %	16.62
	FCF Margin %	-41.78
	ROE %	10.7
	ROA %	1.7
	ROIC %	2.48
	ROC (Joel Greenblatt) %	3.9
	ROCE %	3.14
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.71
	Forward PE Ratio	8.69
	PE Ratio without NRI	5.39
	PEG Ratio	0.35
	PS Ratio	1.28
	PB Ratio	0.79
	Price-to-Tangible-Book	0.98
	EV-to-EBIT	29.42
	EV-to-EBITDA	24.57
	EV-to-Revenue	8.43
	EV-to-FCF	-21.04
	Price-to-DCF (Earnings Based)	0.13
	Price-to-Median-PS-Value	2.09
	Price-to-Peter-Lynch-Fair-Value	0.58
	Price-to-Graham-Number	0.6
	Earnings Yield (Greenblatt) %	3.4
	FCF Yield %	-32.59
	Forward Rate of Return (Yacktman) %	-8.46

Financials

Annual Quarterly TTM

CSASF's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with OTCPK:CSASF

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Credit Saison Co Ltd Executives

Details

GF Value: $10.8

CSASF

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 3 Severe warning signs with CSASF. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	2,915.086
	EPS (TTM) ($)	2.988
	Beta	0.33
	Volatility %	29.89
	14-Day RSI	100
	14-Day ATR ($)	0.000014
	20-Day SMA ($)	19.89
	12-1 Month Momentum %	25.89
	52-Week Range ($)	15.8 - 19.89
	Shares Outstanding (Mil)	156.08

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	4
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Credit Saison Co Ltd Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Credit Saison Co Ltd Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Credit Saison Co Ltd Frequently Asked Questions

What is Credit Saison Co Ltd(CSASF)'s stock price today?

The current price of CSASF is $19.89. The 52 week high of CSASF is $19.89 and 52 week low is $15.80.

When is next earnings date of Credit Saison Co Ltd(CSASF)?

The next earnings date of Credit Saison Co Ltd(CSASF) is .

Does Credit Saison Co Ltd(CSASF) pay dividends? If so, how much?

Credit Saison Co Ltd(CSASF) does not pay dividend.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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