Credit Saison Co., Ltd. Logo

Credit Saison Co., Ltd.

8253.T

(2.8)
Stock Price

3.624,00 JPY

1.54% ROA

9.54% ROE

7.32x PER

Market Cap.

419.684.498.500,00 JPY

438.26% DER

2.57% Yield

14.89% NPM

Credit Saison Co., Ltd. Stock Analysis

Credit Saison Co., Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Credit Saison Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.65x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 ROE

The stock's ROE falls within an average range (7.68%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (1.29%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

6 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

9 Buffet Intrinsic Value

The company's stock seems undervalued (26.182) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

10 DER

The stock is burdened with a heavy load of debt (464%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Credit Saison Co., Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Credit Saison Co., Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Credit Saison Co., Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Credit Saison Co., Ltd. Revenue
Year Revenue Growth
2002 58.526.000.000
2003 55.997.000.000 -4.52%
2004 65.988.000.000 15.14%
2005 89.519.000.000 26.29%
2006 88.854.000.000 -0.75%
2007 345.587.000.000 74.29%
2008 456.986.000.000 24.38%
2009 422.840.000.000 -8.08%
2010 383.808.000.000 -10.17%
2011 354.467.000.000 -8.28%
2012 244.403.000.000 -45.03%
2013 247.575.000.000 1.28%
2014 259.073.000.000 4.44%
2015 269.917.000.000 4.02%
2016 278.943.000.000 3.24%
2017 292.180.000.000 4.53%
2018 371.839.000.000 21.42%
2019 397.109.000.000 6.36%
2020 325.378.000.000 -22.05%
2021 362.952.000.000 10.35%
2022 382.537.000.000 5.12%
2023 433.148.000.000 11.68%
2023 424.234.000.000 -2.1%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Credit Saison Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Credit Saison Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 265.494.000.000 100%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 962.000.000 100%
2013 973.000.000 1.13%
2014 969.000.000 -0.41%
2015 988.000.000 1.92%
2016 1.047.000.000 5.64%
2017 1.083.000.000 3.32%
2018 220.974.000.000 99.51%
2019 236.910.000.000 6.73%
2020 202.380.000.000 -17.06%
2021 222.541.000.000 9.06%
2022 229.322.000.000 2.96%
2023 236.344.000.000 2.97%
2023 242.778.000.000 2.65%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Credit Saison Co., Ltd. EBITDA
Year EBITDA Growth
2002 89.811.000.000
2003 93.498.000.000 3.94%
2004 109.260.000.000 14.43%
2005 116.488.000.000 6.2%
2006 150.906.000.000 22.81%
2007 145.188.000.000 -3.94%
2008 51.156.000.000 -183.81%
2009 56.555.000.000 9.55%
2010 49.262.000.000 -14.8%
2011 52.589.000.000 6.33%
2012 65.602.000.000 19.84%
2013 58.432.000.000 -12.27%
2014 55.208.000.000 -5.84%
2015 49.195.000.000 -12.22%
2016 60.066.000.000 18.1%
2017 69.015.000.000 12.97%
2018 113.389.000.000 39.13%
2019 105.920.000.000 -7.05%
2020 122.672.000.000 13.66%
2021 115.797.000.000 -5.94%
2022 142.351.000.000 18.65%
2023 240.096.000.000 40.71%
2023 158.493.000.000 -51.49%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Credit Saison Co., Ltd. Gross Profit
Year Gross Profit Growth
2002 58.526.000.000
2003 55.997.000.000 -4.52%
2004 65.988.000.000 15.14%
2005 89.519.000.000 26.29%
2006 88.854.000.000 -0.75%
2007 345.587.000.000 74.29%
2008 303.205.000.000 -13.98%
2009 282.477.000.000 -7.34%
2010 263.134.000.000 -7.35%
2011 224.049.000.000 -17.44%
2012 229.481.000.000 2.37%
2013 234.187.000.000 2.01%
2014 246.351.000.000 4.94%
2015 258.145.000.000 4.57%
2016 267.874.000.000 3.63%
2017 282.509.000.000 5.18%
2018 304.852.000.000 7.33%
2019 311.407.000.000 2.1%
2020 282.623.000.000 -10.18%
2021 299.015.000.000 5.48%
2022 322.635.000.000 7.32%
2023 356.940.000.000 9.61%
2023 333.858.000.000 -6.91%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Credit Saison Co., Ltd. Net Profit
Year Net Profit Growth
2002 -6.027.000.000
2003 22.420.000.000 126.88%
2004 31.818.000.000 29.54%
2005 42.220.000.000 24.64%
2006 14.822.000.000 -184.85%
2007 26.756.000.000 44.6%
2008 -55.513.000.000 148.2%
2009 18.680.000.000 397.18%
2010 12.829.000.000 -45.61%
2011 9.453.000.000 -35.71%
2012 32.770.000.000 71.15%
2013 25.569.000.000 -28.16%
2014 12.628.000.000 -102.48%
2015 26.163.000.000 51.73%
2016 42.253.000.000 38.08%
2017 38.329.000.000 -10.24%
2018 30.517.000.000 -25.6%
2019 22.863.000.000 -33.48%
2020 36.132.000.000 36.72%
2021 35.375.000.000 -2.14%
2022 43.599.000.000 18.86%
2023 108.236.000.000 59.72%
2023 72.987.000.000 -48.29%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Credit Saison Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 -37
2003 131 127.69%
2004 185 29.73%
2005 237 21.94%
2006 83 -189.02%
2007 149 44.59%
2008 -308 148.05%
2009 102 401.96%
2010 70 -47.83%
2011 51 -35.29%
2012 178 71.35%
2013 139 -28.06%
2014 69 -104.41%
2015 147 53.74%
2016 259 43.02%
2017 235 -10.26%
2018 187 -25.81%
2019 143 -30.07%
2020 231 38.1%
2021 226 -2.21%
2022 279 18.71%
2023 670 58.51%
2023 453 -47.9%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Credit Saison Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2002 -59.483.000.000
2003 -19.001.000.000 -213.05%
2004 -116.412.000.000 83.68%
2005 -192.146.000.000 39.41%
2006 -84.214.000.000 -128.16%
2007 -123.059.000.000 31.57%
2008 -89.816.000.000 -37.01%
2009 73.269.000.000 222.58%
2010 114.790.000.000 36.17%
2011 -9.419.000.000 1318.71%
2012 48.958.000.000 119.24%
2013 -113.142.000.000 143.27%
2014 -116.227.000.000 2.65%
2015 -140.083.000.000 17.03%
2016 -147.142.000.000 4.8%
2017 -99.326.000.000 -48.14%
2018 -219.777.000.000 54.81%
2019 -190.708.000.000 -15.24%
2020 -21.838.000.000 -773.29%
2021 -86.876.000.000 74.86%
2022 -145.728.000.000 40.38%
2023 -25.707.000.000 -466.88%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Credit Saison Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2002 12.593.000.000
2003 55.046.000.000 77.12%
2004 -24.714.000.000 322.73%
2005 -99.343.000.000 75.12%
2006 11.990.000.000 928.55%
2007 -24.098.000.000 149.76%
2008 -69.669.000.000 65.41%
2009 99.134.000.000 170.28%
2010 152.062.000.000 34.81%
2011 25.611.000.000 -493.74%
2012 75.772.000.000 66.2%
2013 -80.533.000.000 194.09%
2014 -85.717.000.000 6.05%
2015 -102.444.000.000 16.33%
2016 -103.280.000.000 0.81%
2017 -54.808.000.000 -88.44%
2018 -192.438.000.000 71.52%
2019 -169.864.000.000 -13.29%
2020 -4.695.000.000 -3517.98%
2021 -70.441.000.000 93.33%
2022 -130.092.000.000 45.85%
2023 -21.150.000.000 -515.09%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Credit Saison Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2002 72.076.000.000
2003 74.047.000.000 2.66%
2004 91.698.000.000 19.25%
2005 92.803.000.000 1.19%
2006 96.204.000.000 3.54%
2007 98.961.000.000 2.79%
2008 20.147.000.000 -391.19%
2009 25.865.000.000 22.11%
2010 37.272.000.000 30.6%
2011 35.030.000.000 -6.4%
2012 26.814.000.000 -30.64%
2013 32.609.000.000 17.77%
2014 30.510.000.000 -6.88%
2015 37.639.000.000 18.94%
2016 43.862.000.000 14.19%
2017 44.518.000.000 1.47%
2018 27.339.000.000 -62.84%
2019 20.844.000.000 -31.16%
2020 17.143.000.000 -21.59%
2021 16.435.000.000 -4.31%
2022 15.636.000.000 -5.11%
2023 4.557.000.000 -243.12%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Credit Saison Co., Ltd. Equity
Year Equity Growth
2002 236.028.000.000
2003 258.253.000.000 8.61%
2004 301.310.000.000 14.29%
2005 360.717.000.000 16.47%
2006 373.159.000.000 3.33%
2007 386.279.000.000 3.4%
2008 318.302.000.000 -21.36%
2009 338.971.000.000 6.1%
2010 345.229.000.000 1.81%
2011 352.695.000.000 2.12%
2012 391.425.000.000 9.89%
2013 419.437.000.000 6.68%
2014 445.127.000.000 5.77%
2015 418.715.000.000 -6.31%
2016 445.061.000.000 5.92%
2017 480.667.000.000 7.41%
2018 491.741.000.000 2.25%
2019 485.475.000.000 -1.29%
2020 532.057.000.000 8.76%
2021 563.738.000.000 5.62%
2022 600.040.000.000 6.05%
2023 658.591.000.000 8.89%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Credit Saison Co., Ltd. Assets
Year Assets Growth
2002 1.280.823.000.000
2003 1.352.710.000.000 5.31%
2004 1.512.949.000.000 10.59%
2005 2.062.735.000.000 26.65%
2006 2.299.607.000.000 10.3%
2007 2.450.637.000.000 6.16%
2008 2.407.064.000.000 -1.81%
2009 2.374.129.000.000 -1.39%
2010 2.231.246.000.000 -6.4%
2011 2.155.906.000.000 -3.49%
2012 2.141.801.000.000 -0.66%
2013 2.286.098.000.000 6.31%
2014 2.373.299.000.000 3.67%
2015 2.550.989.000.000 6.97%
2016 2.720.048.000.000 6.22%
2017 2.940.025.000.000 7.48%
2018 3.212.465.000.000 8.48%
2019 3.357.229.000.000 4.31%
2020 3.409.247.000.000 1.53%
2021 3.610.778.000.000 5.58%
2022 3.896.105.000.000 7.32%
2023 4.053.405.000.000 3.88%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Credit Saison Co., Ltd. Liabilities
Year Liabilities Growth
2002 1.043.916.000.000
2003 1.094.026.000.000 4.58%
2004 1.207.715.000.000 9.41%
2005 1.685.546.000.000 28.35%
2006 1.899.779.000.000 11.28%
2007 2.031.976.000.000 6.51%
2008 2.086.469.000.000 2.61%
2009 2.032.724.000.000 -2.64%
2010 1.883.331.000.000 -7.93%
2011 1.800.179.000.000 -4.62%
2012 1.746.934.000.000 -3.05%
2013 1.863.113.000.000 6.24%
2014 1.926.217.000.000 3.28%
2015 2.132.002.000.000 9.65%
2016 2.273.169.000.000 6.21%
2017 2.459.358.000.000 7.57%
2018 2.720.724.000.000 9.61%
2019 2.871.754.000.000 5.26%
2020 2.877.190.000.000 0.19%
2021 3.047.040.000.000 5.57%
2022 3.296.065.000.000 7.56%
2023 3.394.814.000.000 2.91%

Credit Saison Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2503.85
Net Income per Share
372.1
Price to Earning Ratio
7.32x
Price To Sales Ratio
1.04x
POCF Ratio
-2.82
PFCF Ratio
-2.43
Price to Book Ratio
0.67
EV to Sales
7.89
EV Over EBITDA
18.46
EV to Operating CashFlow
-20.4
EV to FreeCashFlow
-18.45
Earnings Yield
0.14
FreeCashFlow Yield
-0.41
Market Cap
419,68 Bil.
Enterprise Value
3.189,36 Bil.
Graham Number
5832.85
Graham NetNet
-20737.3

Income Statement Metrics

Net Income per Share
372.1
Income Quality
-1.94
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.75
EBT Per Ebit
0.65
Ebit per Revenue
0.3
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.58
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.86
Operating Profit Margin
0.3
Pretax Profit Margin
0.2
Net Profit Margin
0.15

Dividends

Dividend Yield
0.03
Dividend Yield %
2.57
Payout Ratio
0.18
Dividend Per Share
70

Operating Metrics

Operating Cashflow per Share
-967.7
Free CashFlow per Share
-1070.27
Capex to Operating CashFlow
0.11
Capex to Revenue
-0.04
Capex to Depreciation
-0.52
Return on Invested Capital
0.03
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
1602.6
Days of Inventory on Hand
787.85
Receivables Turnover
0
Payables Turnover
0.23
Inventory Turnover
0.46
Capex per Share
-102.57

Balance Sheet

Cash per Share
-149,65
Book Value per Share
4.063,66
Tangible Book Value per Share
3183.69
Shareholders Equity per Share
4063.66
Interest Debt per Share
17928.27
Debt to Equity
4.38
Debt to Assets
0.71
Net Debt to EBITDA
16.03
Current Ratio
11.54
Tangible Asset Value
514,29 Bil.
Net Current Asset Value
-9,83 Bil.
Invested Capital
4.38
Working Capital
3.091,61 Bil.
Intangibles to Total Assets
0.04
Average Receivables
1.557,73 Bil.
Average Payables
256,69 Bil.
Average Inventory
138628000000
Debt to Market Cap
6.85

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Credit Saison Co., Ltd. Dividends
Year Dividends Growth
2000 18
2001 18 0%
2002 18 0%
2003 18 0%
2004 18 0%
2005 20 10%
2006 26 23.08%
2007 28 7.14%
2008 28 0%
2009 30 6.67%
2010 30 0%
2011 30 0%
2012 30 0%
2013 30 0%
2014 30 0%
2015 30 0%
2016 35 14.29%
2017 35 0%
2018 35 0%
2019 45 22.22%
2020 45 0%
2021 45 0%
2022 45 0%
2023 70 35.71%
2024 0 0%

Credit Saison Co., Ltd. Profile

About Credit Saison Co., Ltd.

Credit Saison Co., Ltd. provides leasing, finance, real estate, entertainment, and payment services in Japan and internationally. The company offers credit cards, prepaid and debit cards, smartphone-based services, and loan collection services; and payment solutions and business support services for corporate activities, as well as marketing solutions. It also engages in the credit guarantee and finance related businesses; leasing of office equipment; servicing business; real estate business; real estate leasing activities; and digital payment and asset management services, as well as develops and manages amusement centers/arcades. The company was formerly known as Seibu Credit Co., Ltd. and changed its name to Credit Saison Co., Ltd. in October 1989. Credit Saison Co., Ltd. was incorporated in 1951 and is headquartered in Tokyo, Japan.

CEO
Mr. Hiroshi Rinno
Employee
5.840
Address
Sunshine 60 Building
Tokyo, 170-6073

Credit Saison Co., Ltd. Executives & BODs

Credit Saison Co., Ltd. Executives & BODs
# Name Age
1 Mr. Yasuyuki Isobe
Executive Officer & GM of Credit Division
70
2 Mr. Yoshiaki Miura
Senior Managing Exec Officer, Head of General Affairs, Credit Div & Corporation Risk Mgmt Dept and Director
70
3 Mr. Naoki Nakayama
Managing Executive Officer, GM of Finance Division, Head of Finance Division & Director
70
4 Mr. Naoki Takahashi
EVice President, CHO, Head of Audit Office & Public Relations Office and Director
70
5 Mr. Katsumi Mizuno
Executive President, Chief Operating Officer, Head of Corporation Planning Dept, & Group Strategic Management Dept and Director
70
6 Mr. Shunji Ashikaga
Managing Executive Off., Head of Branding Strategy Dept. & Saison AMEX Div. and GM of Saison AMEX Div.
70
7 Mr. Masaki Negishi
Chief Financial Officer, Managing Executive Officer, Head of Treasury & Account Dept. and GM of Global Business Division
70
8 Ms. Kazue Yasumori
Man. Exe. Off. , Head of Strategic Human Resources Dept. Proc. Buss. Div. & GM of Proc. Buss. Div.
70
9 Mr. Hiroshi Rinno
Representative, Chairman & Chief Executive Officer
70
10 Mr. Kazutoshi Ono
Senior Managing Executive Officer, Chief Technology Officer, CDO, Head of CSDX Dev. Dept., Customer Success Div. & Director
70

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