Credit Saison Balance Sheet Health
Financial Health criteria checks 4/6
Credit Saison has a total shareholder equity of ¥717.9B and total debt of ¥3,163.2B, which brings its debt-to-equity ratio to 440.6%. Its total assets and total liabilities are ¥4,425.8B and ¥3,707.9B respectively. Credit Saison's EBIT is ¥85.7B making its interest coverage ratio 3.1. It has cash and short-term investments of ¥106.9B.
Key information
440.6%
Debt to equity ratio
JP¥3.16t
Debt
| Interest coverage ratio | 3.1x |
| Cash | JP¥106.87b |
| Equity | JP¥717.90b |
| Total liabilities | JP¥3.71t |
| Total assets | JP¥4.43t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Short Term Liabilities: CSAS.F's short term assets (¥3,683.3B) exceed its short term liabilities (¥311.2B).
Long Term Liabilities: CSAS.F's short term assets (¥3,683.3B) exceed its long term liabilities (¥3,396.7B).
Debt to Equity History and Analysis
Debt Level: CSAS.F's net debt to equity ratio (425.7%) is considered high.
Reducing Debt: CSAS.F's debt to equity ratio has reduced from 466.8% to 440.6% over the past 5 years.
Debt Coverage: CSAS.F's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: CSAS.F's interest payments on its debt are well covered by EBIT (3.1x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/08/12 19:52 |
| End of Day Share Price | 2024/05/15 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2024/03/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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
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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.
| Analyst | Institution |
|---|---|
| Azuma Ohno | Barclays |
| Yuki Yaginuma | BofA Global Research |
| Takehiro Tsuda | Citigroup Global Markets Japan Inc. |