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QC9 logo

Credit Saison DB:QC9 Stock Report

Last Price

€22.60

Market Cap

€3.5b

7D

0.9%

1Y

37.0%

Updated

03 Jan, 2025

Data

Company Financials +

Credit Saison Co., Ltd.

DB:QC9 Stock Report

Market Cap: €3.5b

QC9 Stock Overview

Provides leasing, finance, real estate, entertainment, and payment services in Japan and internationally. More details

QC9 fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance2/6
Financial Health4/6
Dividends4/6

Rewards

Trading at 34.2% below our estimate of its fair value

Earnings are forecast to grow 5.01% per year

Risk Analysis

Debt is not well covered by operating cash flow

Dividend of 2.84% is not well covered by free cash flows


My Notes

Capture your thoughts, links and company narrative

Credit Saison Co., Ltd. Competitors

Eleving Group

DB:OT8

€187.5m

Multitude

XTRA:E4I

€105.3m

flatexDEGIRO

XTRA:FTK

€1.6b

DWS Group GmbH KGaA

XTRA:DWS

€8.0b

Price History & Performance

Summary of share price highs, lows and changes for Credit Saison
Historical stock prices
Current Share PriceJP¥22.60
52 Week HighJP¥23.60
52 Week LowJP¥16.50
Beta0.59
1 Month Change-0.88%
3 Month Change1.80%
1 Year Change36.97%
3 Year Change140.43%
5 Year Change44.87%
Change since IPO-8.50%

Recent News & Updates

Recent updates

Shareholder Returns

QC9DE Consumer FinanceDE Market
7D0.9%0.7%0.7%
1Y37.0%12.1%8.4%

Return vs Industry: QC9 exceeded the German Consumer Finance industry which returned 12.1% over the past year.

Return vs Market: QC9 exceeded the German Market which returned 8.4% over the past year.

Price Volatility

Is QC9's price volatile compared to industry and market?
QC9 volatility
QC9 Average Weekly Movement5.0%
Consumer Finance Industry Average Movement4.2%
Market Average Movement4.9%
10% most volatile stocks in DE Market12.0%
10% least volatile stocks in DE Market2.4%

Stable Share Price: QC9 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: QC9's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19516,138Hiroshi Rinnocorporate.saisoncard.co.jp

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 information processing services; internet advertisement agency; marketing consulting; temporary staffing; and contracting services. It also engages in the credit guarantee and finance related businesses; real estate business; real estate leasing activities; and digital marketing and asset management services, as well as develops and manages amusement.

Credit Saison Co., Ltd. Fundamentals Summary

How do Credit Saison's earnings and revenue compare to its market cap?
QC9 fundamental statistics
Market cap€3.53b
Earnings (TTM)€354.15m
Revenue (TTM)€2.70b

10.0x

P/E Ratio

1.3x

P/S Ratio

Is QC9 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
QC9 income statement (TTM)
RevenueJP¥438.11b
Cost of RevenueJP¥126.21b
Gross ProfitJP¥311.90b
Other ExpensesJP¥254.48b
EarningsJP¥57.42b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 14, 2025

Earnings per share (EPS)370.98
Gross Margin71.19%
Net Profit Margin13.11%
Debt/Equity Ratio464.8%

How did QC9 perform over the long term?

See historical performance and comparison

Dividends

2.8%

Current Dividend Yield

30%

Payout Ratio

Does QC9 pay a reliable dividends?

See QC9 dividend history and benchmarks
When do you need to buy QC9 by to receive an upcoming dividend?
Credit Saison dividend dates
Ex Dividend DateMar 28 2025
Dividend Pay DateJun 20 2025
Days until Ex dividend83 days
Days until Dividend pay date167 days

Does QC9 pay a reliable dividends?

See QC9 dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/03 02:15
End of Day Share Price 2025/01/03 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Credit Saison Co., Ltd. is covered by 20 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Azuma OhnoBarclays
Yuki YaginumaBofA Global Research
Takehiro TsudaCitigroup Global Markets Japan Inc.