Stock 8253 CREDIT SAISON CO., LTD.
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Financials Credit Saison Co., Ltd.

Equities

8253

JP3271400008

Consumer Lending

Market Closed - Japan Exchange
Other stock markets
 02:00:00 2024-04-26 am EDT 		5-day change 1st Jan Change
2,882 JPY +2.27% Intraday chart for Credit Saison Co., Ltd. -0.02% +10.87%
Mar. 08 Canary Inc. announced that it has received ¥1 billion in funding from Credit Saison Co., Ltd. CI
Feb. 13 Credit Saison Attributable Profit Up 37.1% in Fiscal Nine Months MT

Valuation

Fiscal Period: März 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 238,777 196,227 207,520 203,654 262,632 470,192 - -
Enterprise Value (EV) 1 2,359,953 2,500,031 2,536,007 2,663,724 2,908,136 3,402,903 3,485,372 3,563,305
P/E ratio 7.82 x 8.76 x 5.74 x 5.76 x 6.02 x 7.33 x 8.92 x 8.03 x
Yield 3.08% 3.58% 3.39% 4.22% 4.17% 3.35% 3.5% 3.67%
Capitalization / Revenue 0.78 x 0.63 x 0.73 x 0.56 x 0.81 x 1.33 x 1.25 x 1.18 x
EV / Revenue 7.74 x 8.03 x 8.97 x 7.34 x 9.01 x 9.61 x 9.24 x 8.95 x
EV / EBITDA 31.1 x - 32.9 x 32.4 x 31.5 x 46.6 x 47.1 x 39.6 x
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.49 x 0.4 x 0.39 x 0.36 x 0.44 x 0.71 x 0.67 x 0.63 x
Nbr of stocks (in thousands) 163,322 156,231 156,265 156,296 156,328 163,148 - -
Reference price 2 1,462 1,256 1,328 1,303 1,680 2,882 2,882 2,882
Announcement Date 5/15/19 5/15/20 5/14/21 5/13/22 5/15/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: März 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 304,855 311,410 282,625 362,955 322,638 354,103 377,263 397,923
EBITDA 1 75,893 - 76,976 82,161 92,459 73,000 74,000 90,000
EBIT 1 52,233 36,184 48,352 52,336 43,491 70,801 72,510 81,397
Operating Margin 17.13% 11.62% 17.11% 14.42% 13.48% 19.99% 19.22% 20.46%
Earnings before Tax (EBT) 1 45,763 27,458 50,915 49,936 61,044 86,813 76,498 85,291
Net income 1 30,517 22,863 36,132 35,375 43,599 63,539 52,996 58,838
Net margin 10.01% 7.34% 12.78% 9.75% 13.51% 17.94% 14.05% 14.79%
EPS 2 186.8 143.4 231.2 226.4 278.9 393.3 323.1 358.8
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 45.00 45.00 45.00 55.00 70.00 96.67 100.8 105.8
Announcement Date 5/15/19 5/15/20 5/14/21 5/13/22 5/15/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2020 S1 2021 S1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 S1 2024 Q3 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4
Net sales 1 203,995 160,855 112,445 186,600 92,962 83,393 77,802 79,508 185,339 104,098 80,534 98,988 108,290 207,278 105,178 92,900 95,500 99,300 96,800 96,200
EBITDA - - - - - 4,354 - - - - - - - - - - - - - -
EBIT 24,726 22,749 16,526 29,386 26,165 -3,215 14,923 17,466 28,883 18,291 -3,683 15,636 13,587 29,223 19,584 - - - - -
Operating Margin 12.12% 14.14% 14.7% 15.75% 28.15% -3.86% 19.18% 21.97% 15.58% 17.57% -4.57% 15.8% 12.55% 14.1% 18.62% - - - - -
Earnings before Tax (EBT) 25,159 29,315 16,492 33,252 20,971 -4,287 22,157 17,808 39,965 24,523 -3,444 24,009 - 59,372 24,403 - - - - -
Net income 18,637 20,395 10,317 21,554 14,401 -580 15,177 12,322 27,499 17,769 -1,669 16,950 27,060 44,010 18,047 - - - - -
Net margin 9.14% 12.68% 9.18% 11.55% 15.49% -0.7% 19.51% 15.5% 14.84% 17.07% -2.07% 17.12% 24.99% 21.23% 17.16% - - - - -
EPS 115.3 130.5 66.01 137.9 92.14 - 97.11 78.82 175.9 113.7 -10.68 108.4 167.8 276.3 110.4 - - - - -
Dividend per Share - - - - - 55.00 - - - - 70.00 - - - - - - - - -
Announcement Date 11/12/19 11/10/20 11/9/21 11/9/21 2/9/22 5/13/22 8/10/22 11/10/22 11/10/22 2/9/23 5/15/23 8/10/23 11/10/23 11/10/23 2/13/24 - - - - -
1JPY in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 2,121,176 2,303,804 2,328,487 2,460,070 2,645,504 2,932,711 3,015,181 3,093,114
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) 27.95 x - 30.25 x 29.94 x 28.61 x 40.17 x 40.75 x 34.37 x
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 6.2% 4.7% 7.1% 6.5% 7.5% 9.97% 7.82% 8.27%
ROA (Net income/ Total Assets) 1.49% 0.84% 1.5% 1.42% 1.63% 1.49% 1.31% 1.84%
Assets 1 2,051,398 2,735,136 2,400,925 2,486,522 2,680,788 4,262,931 4,050,622 3,196,528
Book Value Per Share 2 3,005 3,102 3,398 3,598 3,827 4,034 4,272 4,540
Cash Flow per Share 332.0 323.0 414.0 417.0 480.0 - - -
Capex - - 17,143 16,435 15,598 - - -
Capex / Sales - - 6.07% 4.53% 4.83% - - -
Announcement Date 5/15/19 5/15/20 5/14/21 5/13/22 5/15/23 - - -
1JPY in Million2JPY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Credit Saison Co., Ltd.

Trading Rating
Investor Rating
ESG Refinitiv
B-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
6
Last Close Price
2,882 JPY
Average target price
2,925 JPY
Spread / Average Target
+1.49%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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