Credit Saison (OTCPK:CSAS.Y) - Stock Price, News & Analysis

CSAS.Y Stock Overview

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

CSAS.Y fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	1/6
Past Performance	5/6
Financial Health	3/6
Dividends	4/6

Rewards

Trading at 17.2% below our estimate of its fair value

Earnings are forecast to grow 7.24% per year

Earnings grew by 23.2% over the past year

Risk Analysis

Shares are highly illiquid

Debt is not well covered by operating cash flow

Dividend of 3.84% is not well covered by cash flows

Credit Saison Co., Ltd. Competitors

Bread Financial Holdings

NYSE:BFH

US$2.9b

PROG Holdings

NYSE:PRG

US$2.0b

Enova International

NYSE:ENVA

US$2.7b

LendingClub

NYSE:LC

US$1.9b

Price History & Performance

Summary of all time highs, changes and price drops for Credit Saison
Historical stock prices
Current Share Price	JP¥15.61
52 Week High	JP¥15.61
52 Week Low	JP¥13.53
Beta	0
11 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
33 Year Change	n/a
5 Year Change	n/a
Change since IPO	15.37%

Recent updates

Shareholder Returns

	CSAS.Y	US Consumer Finance	US Market
7D	0%	3.6%	2.2%
1Y	n/a	75.6%	31.6%

Return vs Industry: Insufficient data to determine how CSAS.Y performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how CSAS.Y performed against the US Market.

Price Volatility

Is CSAS.Y's price volatile compared to industry and market?
CSAS.Y volatility
CSAS.Y Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	7.3%
Market Average Movement	6.3%
10% most volatile stocks in US Market	15.7%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CSAS.Y has not had significant price volatility in the past 3 months.

Volatility Over Time: Insufficient data to determine CSAS.Y's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1951	5,840	Hiroshi Rinno	corporate.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?
CSAS.Y fundamental statistics
Market cap	US$2.27b
Earnings (TTM)	US$303.23m
Revenue (TTM)	US$2.66b

7.5x

P/E Ratio

0.9x

P/S Ratio

Is CSAS.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CSAS.Y income statement (TTM)
Revenue	JP¥382.54b
Cost of Revenue	JP¥109.73b
Gross Profit	JP¥272.81b
Other Expenses	JP¥229.21b
Earnings	JP¥43.60b

Last Reported Earnings

Mar 31, 2023

Next Earnings Date

Aug 10, 2023

Earnings per share (EPS)	278.89
Gross Margin	71.32%
Net Profit Margin	11.40%
Debt/Equity Ratio	467.5%

How did CSAS.Y perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

19%

Payout Ratio

Credit Saison OTCPK:CSAS.Y Stock Report