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Credit Saison Co
(8253)
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Rating:64Neutral
Price Target:
¥5,066.00
▲(10.13% Upside)
Action:Reiterated
Date:08/17/26
The score is mainly held back by financial profile risk—persistent negative operating/free cash flow and high leverage—despite solid revenue growth and profitability. Offsetting this, technicals are constructive with an established uptrend, and valuation appears attractive with a low P/E and a moderate dividend yield.
Positive Factors
Consistent Revenue Growth
Sustained revenue expansion indicates continued demand for Credit Saison’s payment and financing services. Growth across multiple fiscal years provides a durable foundation for scale, even if future performance remains sensitive to credit conditions and consumer activity.
Negative Factors
Elevated Leverage
High leverage makes the business more dependent on continued access to funding and increases sensitivity to funding costs and credit-cycle deterioration. It can constrain strategic flexibility and amplify balance-sheet pressure if asset quality or liquidity conditions weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Sustained revenue expansion indicates continued demand for Credit Saison’s payment and financing services. Growth across multiple fiscal years provides a durable foundation for scale, even if future performance remains sensitive to credit conditions and consumer activity.
Read all positive factors
Credit Saison Co (8253) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥696.98B
Dividend Yield2.76%
Average Volume (3M)674.89K
Price to Earnings (P/E)9.9
Beta (1Y)0.87
Revenue Growth10.50%
EPS Growth8.52%
CountryJP
Employees3,446
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)475.71
Shares Outstanding161,102,570
10 Day Avg. Volume654,510
30 Day Avg. Volume674,893
Financial Highlights & Ratios
PEG Ratio4.29
Price to Book (P/B)0.76
Price to Sales (P/S)1.06
P/FCF Ratio-3.86
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥5,114.00Price Target Upside11.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)543.91
Revenue Forecast (FY)¥510.30B
Credit Saison Co Business Overview & Revenue Model
Company Description
Credit Saison Co., Ltd. is a diversified Japanese company, also operating globally, that delivers a broad spectrum of services. These encompass various financial and payment offerings, including credit cards, prepaid and debit cards, mobile-based ...
How the Company Makes Money
null...
Credit Saison Co Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 552.73B | 547.08B | 492.24B | 424.23B | 382.58B | 362.95B |
| Gross Profit | 399.15B | 388.69B | 355.75B | 301.19B | 260.77B | 240.13B |
| EBITDA | 133.19B | 124.99B | 163.82B | 154.16B | 106.87B | 90.19B |
| Net Income | 68.41B | 62.75B | 66.40B | 72.99B | 43.60B | 35.38B |
Balance Sheet | ||||||
| Total Assets | 5.02T | 4.95T | 4.67T | 4.34T | 3.90T | 3.61T |
| Cash, Cash Equivalents and Short-Term Investments | 103.89B | 113.65B | 139.40B | 108.75B | 159.67B | 108.97B |
| Total Debt | 3.67T | 3.58T | 3.41T | 3.06T | 2.81T | 2.58T |
| Total Liabilities | 4.23T | 4.18T | 3.95T | 3.62T | 3.30T | 3.05T |
| Stockholders Equity | 770.95B | 761.66B | 705.68B | 705.05B | 598.30B | 562.39B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -150.97B | -253.24B | -232.68B | -145.73B | -86.88B |
| Operating Cash Flow | 0.00 | -132.84B | -232.43B | -213.40B | -130.09B | -70.44B |
| Investing Cash Flow | 0.00 | -30.68B | -31.27B | -85.75B | -43.83B | -51.62B |
| Financing Cash Flow | 0.00 | 139.98B | 296.52B | 246.70B | 224.54B | 129.26B |
Credit Saison Co Technical Analysis
Positive
4600.00
Price Trends
4584.72
Positive
4426.33
Positive
4252.56
Positive
Market Momentum
42.69
Positive
54.00
Neutral
61.01
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8253, the sentiment is Positive. The current price of 4600 is below the 20-day moving average (MA) of 4668.40, above the 50-day MA of 4584.72, and above the 200-day MA of 4252.56, indicating a bullish trend. The MACD of 42.69 indicates Positive momentum. The RSI at 54.00 is Neutral, neither overbought nor oversold. The STOCH value of 61.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8253.
Credit Saison Co Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥371.77B | 14.14 | 5.51% | 3.35% | 8.42% | 84.66% | |
68 Neutral | ¥774.06B | 11.84 | 11.50% | 3.48% | 6.57% | 22.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥696.98B | 9.87 | 8.64% | 2.83% | 10.50% | 8.52% | |
62 Neutral | ¥535.25B | 17.88 | 11.68% | 4.38% | 7.53% | 6.62% | |
60 Neutral | ¥173.13B | 10.73 | ― | 4.42% | 1.92% | -26.04% |
* Financial Sector Average
JP:8253
Credit Saison Co
4,717.00
1,012.02
27.32%
JP:8572
ACOM Co
489.10
42.35
9.48%
JP:8570
AEON Financial Service Co
1,719.00
247.43
16.81%
JP:8252
Marui Group Co
2,953.50
-174.58
-5.58%
JP:8584
Jaccs Co., Ltd.
3,890.00
-226.01
-5.49%
Credit Saison Co Corporate Events
Credit Saison boosts quarterly earnings and lifts full-year profit outlook
Aug 12, 2026
Credit Saison reported strong results for the three months ended June 30, 2026, with net revenue rising 12.4% year-on-year to ¥122.5 billion and business profit climbing 32.7%. Profit attributable to owners of parent increased 35.1% to ¥...
Credit Saison Completes Treasury Share Disposal for Executive Restricted Stock Compensation
Jul 17, 2026
Credit Saison has completed the payment procedures for the disposal of treasury shares used as restricted stock compensation for its directors and executive officers. The transaction, approved by the board on June 17, 2026, involved issuing 49,419...
Credit Saison to Allocate Treasury Shares as Restricted Stock to Executives
Jun 17, 2026
Credit Saison will dispose of 49,419 treasury shares as restricted stock compensation to seven directors and 17 executive officers, at a price of 4,287 yen per share for a total of about 211.9 million yen. The move is part of a restricted stock co...
Credit Saison Corrects Consolidated Financial Results for FY March 2026
Jun 5, 2026
Credit Saison has announced corrections to its previously disclosed consolidated financial results for the fiscal year ended March 31, 2026, after identifying errors in the aggregation of assets and liabilities held for sale related to a subsidiar...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.