Credit Saison Co., Ltd.

DB:QC9 Stock Report

Market Cap: €3.5b

Credit Saison Past Earnings Performance

Past criteria checks 2/6

Credit Saison has been growing earnings at an average annual rate of 20.3%, while the Consumer Finance industry saw earnings growing at 17.7% annually. Revenues have been growing at an average rate of 1.8% per year. Credit Saison's return on equity is 8.3%, and it has net margins of 13.1%.

Key information

20.3%

Earnings growth rate

20.0%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate1.8%
Return on equity8.3%
Net Margin13.1%
Next Earnings Update14 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Credit Saison makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:QC9 Revenue, expenses and earnings (JPY Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24438,11057,422219,4740
30 Jun 24436,92172,632247,7960
31 Mar 24420,31472,987210,1570
31 Dec 23405,55660,388209,7990
30 Sep 23404,47660,110206,7940
30 Jun 23389,68345,372203,1630
31 Mar 23382,53743,599199,8140
31 Dec 22372,83044,688193,1320
30 Sep 22361,69441,320188,5790
30 Jun 22363,02439,315184,5480
31 Mar 22362,95535,375180,8610
31 Dec 21360,11138,693181,0430
30 Sep 21351,12637,291179,0810
30 Jun 21339,34036,118178,3670
31 Mar 21325,38136,132175,7810
31 Dec 20338,32022,181179,0380
30 Sep 20353,97224,621184,8060
30 Jun 20380,16224,213191,4420
31 Mar 20397,11222,863199,2750
31 Dec 19447,95936,424195,3390
30 Sep 19425,62230,727196,7250
30 Jun 19391,80129,217197,2260
31 Mar 19371,84230,517198,5000
31 Dec 18299,22931,852220,5310
30 Sep 18296,98724,746217,7030
30 Jun 18294,89727,886211,5160
31 Mar 18292,18338,329206,3120
31 Dec 17290,65840,145204,4300
30 Sep 17287,11446,018200,6160
30 Jun 17283,48052,689197,3180
31 Mar 17278,94442,253193,0680
31 Dec 16274,37737,436185,6140
30 Sep 16272,22031,381182,0730
30 Jun 16268,62124,811180,0450
31 Mar 16269,91926,163179,7690
31 Dec 15271,24312,210176,0050
30 Sep 15267,45017,129173,7270
30 Jun 15265,08514,543172,8110
31 Mar 15259,07612,628169,9640
31 Dec 14253,17423,902163,5170
30 Sep 14250,20526,432161,5590
30 Jun 14248,25528,043159,2960
31 Mar 14247,57725,569159,1580

Quality Earnings: QC9 has high quality earnings.

Growing Profit Margin: QC9's current net profit margins (13.1%) are lower than last year (14.9%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: QC9's earnings have grown significantly by 20.3% per year over the past 5 years.

Accelerating Growth: QC9's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: QC9 had negative earnings growth (-4.5%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.2%).

Return on Equity

High ROE: QC9's Return on Equity (8.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/05 05:30
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.