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

My Notes

Capture your thoughts, links and company narrative

Credit Saison Co., Ltd. Competitors

Enova International

NYSE:ENVA

US$2.6b

LendingClub

NYSE:LC

US$1.9b

Bread Financial Holdings

NYSE:BFH

US$3.1b

PROG Holdings

NYSE:PRG

US$1.8b

Price History & Performance

Summary of share price highs, lows and changes 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
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 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%	0.8%	0.6%
1Y	n/a	47.1%	23.8%

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	7.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.6%
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

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/06/26 04:38
End of Day Share Price	2023/03/29 00:00
Earnings	2023/03/31
Annual Earnings	2023/03/31

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

Analyst	Institution
Azuma Ohno	Barclays
Yuki Yaginuma	BofA Global Research
Takehiro Tsuda	Citigroup Global Markets Japan Inc.