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Market Cap

JP¥206.6b

Last Updated

2021/04/11 08:10 UTC

Data Sources

Company Financials +

Executive Summary

Credit Saison Co., Ltd. provides leasing, finance, real estate, and entertainment services in Japan and internationally. More Details


Snowflake Analysis

Established dividend payer and good value.

Share Price & News

How has Credit Saison's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 8253 is not significantly more volatile than the rest of JP stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: 8253's weekly volatility (4%) has been stable over the past year.


Market Performance


7 Day Return

-0.8%

8253

-1.2%

JP Consumer Finance

-0.5%

JP Market


1 Year Return

16.2%

8253

27.5%

JP Consumer Finance

37.5%

JP Market

Return vs Industry: 8253 underperformed the JP Consumer Finance industry which returned 31.6% over the past year.

Return vs Market: 8253 underperformed the JP Market which returned 39.2% over the past year.


Shareholder returns

8253IndustryMarket
7 Day-0.8%-1.2%-0.5%
30 Day-9.9%-0.2%1.8%
90 Day7.4%15.9%5.2%
1 Year20.1%16.2%30.0%27.5%40.5%37.5%
3 Year-18.8%-26.4%-5.3%-11.0%21.1%12.7%
5 Year-24.8%-34.3%-14.0%-21.0%59.5%41.9%

Long-Term Price Volatility Vs. Market

How volatile is Credit Saison's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Credit Saison undervalued compared to its fair value and its price relative to the market?

17.7%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: 8253 (¥1322) is trading below our estimate of fair value (¥1605.53)

Significantly Below Fair Value: 8253 is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: 8253 is good value based on its PE Ratio (9.3x) compared to the JP Consumer Finance industry average (13.8x).

PE vs Market: 8253 is good value based on its PE Ratio (9.3x) compared to the JP market (18.1x).


Price to Earnings Growth Ratio

PEG Ratio: 8253 is poor value based on its PEG Ratio (3.6x)


Price to Book Ratio

PB vs Industry: 8253 is good value based on its PB Ratio (0.4x) compared to the JP Consumer Finance industry average (1.1x).


Future Growth

How is Credit Saison forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?

2.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 8253's forecast earnings growth (2.6% per year) is above the savings rate (0%).

Earnings vs Market: 8253's earnings (2.6% per year) are forecast to grow slower than the JP market (16.5% per year).

High Growth Earnings: 8253's earnings are forecast to grow, but not significantly.

Revenue vs Market: 8253's revenue (1.8% per year) is forecast to grow slower than the JP market (5.7% per year).

High Growth Revenue: 8253's revenue (1.8% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 8253's Return on Equity is forecast to be low in 3 years time (5.7%).


Past Performance

How has Credit Saison performed over the past 5 years?

-3.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 8253 has high quality earnings.

Growing Profit Margin: 8253's current net profit margins (6.6%) are lower than last year (8.1%).


Past Earnings Growth Analysis

Earnings Trend: 8253's earnings have declined by 3.5% per year over the past 5 years.

Accelerating Growth: 8253's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 8253 had negative earnings growth (-38.9%) over the past year, making it difficult to compare to the Consumer Finance industry average (-14.6%).


Return on Equity

High ROE: 8253's Return on Equity (4.3%) is considered low.


Financial Health

How is Credit Saison's financial position?


Financial Position Analysis

Short Term Liabilities: 8253's short term assets (¥2,960.8B) exceed its short term liabilities (¥286.1B).

Long Term Liabilities: 8253's short term assets (¥2,960.8B) exceed its long term liabilities (¥2,661.0B).


Debt to Equity History and Analysis

Debt Level: 8253's debt to equity ratio (471.6%) is considered high.

Reducing Debt: 8253's debt to equity ratio has increased from 401.2% to 471.6% over the past 5 years.

Debt Coverage: 8253's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: 8253 earns more interest than it pays, so coverage of interest payments is not a concern.


Balance Sheet


Dividend

What is Credit Saison current dividend yield, its reliability and sustainability?

3.40%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 8253's dividend (3.4%) is higher than the bottom 25% of dividend payers in the JP market (1.2%).

High Dividend: 8253's dividend (3.4%) is in the top 25% of dividend payers in the JP market (2.78%)


Stability and Growth of Payments

Stable Dividend: 8253's dividends per share have been stable in the past 10 years.

Growing Dividend: 8253's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (31.7%), 8253's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.1yrs

Average management tenure


CEO

Hiroshi Rinno (78 yo)

20.83yrs

Tenure

Mr. Hiroshi Rinno serves as Chairman and Chief Executive Officer of Credit Saison Co. Ltd. since March 2019 and serves as its Representative since 2020. He joined Credit Saison Co., Ltd as General Manager ...


Leadership Team

Experienced Management: 8253's management team is not considered experienced ( 1.1 years average tenure), which suggests a new team.


Board Members

Experienced Board: 8253's board of directors are considered experienced (3.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Credit Saison Co., Ltd.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Credit Saison Co., Ltd.
  • Ticker: 8253
  • Exchange: TSE
  • Founded: 1951
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: JP¥206.583b
  • Shares outstanding: 156.27m
  • Website: https://corporate.saisoncard.co.jp/en

Number of Employees


Location

  • Credit Saison Co., Ltd.
  • Sunshine 60 Building
  • 1-1 Higashi-Ikebukuro 3-chome
  • Tokyo
  • 170-6073
  • Japan

Listings


Biography

Credit Saison Co., Ltd. provides leasing, finance, real estate, and entertainment services in Japan and internationally. The company offers credit, prepaid and debit cards, and loan collection agency servi...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/11 08:10
End of Day Share Price2021/04/09 00:00
Earnings2020/12/31
Annual Earnings2020/03/31


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.