1. Japan Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
Credit Saison Co., Ltd.

Credit Saison Co., Ltd.

CSASF
Credit Saison Co., Ltd.US flagOther OTC
23.61
USD
- -
- -
3.39BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1,330.94
1,348.22
1,410.85
1,520.4
1,707.85
2,193.86
2,276.58
2,491.26
2,082.37
2,322.37
2,447.16
2,609.18
3,136.06
1,308.21
Basic EPS, GAAP
178.45
139.15
68.77
147.37
258.7
235.39
186.84
143.43
231.24
226.35
278.91
453.08
423.02
177.94
Free Cash Flow per Basic Share
266.61
-616.14
-632.94
-789.07
-900.89
-475.11
-1,345.58
-1,196.4
-139.76
-555.88
-932.25
-1,444.38
-1,720.08
-916.69
Dividend per Share
30.01
30.01
30.01
31.04
35.02
35.01
35.01
46.13
45.01
45.01
55.02
67.96
110.14
- -
Book Value per Share
1,186.51
1,294.9
1,333.68
1,495.83
1,849.55
2,572.8
2,670.83
2,886.5
3,137.13
3,317.52
3,563.83
3,839.64
4,324.89
3,938.36
Tangible Book Value per Share
1,527.9
1,545.97
1,619.87
1,370.13
1,507.75
1,654.54
1,663.91
1,909.76
2,308.01
2,568.52
2,876.06
3,594.51
3,771.06
3,468.28
Basic Weighted Avg Shares
184
184
184
178
163
163
163
159
156
156
156
161
157
163
Sales/Revenue/Turnover
244,403
247,575
259,073
269,917
278,943
358,328
371,839
397,109
325,378
362,951
382,537
420,314
492,235
213,034
Operating Margin (%)
17.31
14.68
15.5
13.56
11.19
22.11
22.56
18.76
24.66
21.07
24.64
28.27
32.73
28.09
Depreciation Expense
13,041
12,044
9,918
8,159
7,368
13,528
23,660
28,615
28,624
29,825
31,482
32,669
33,595
16,604
Net Income, GAAP
32,770
25,552
12,628
26,163
42,253
38,446
30,517
22,863
36,132
35,375
43,599
72,987
66,397
28,977
Effective Tax Rate (%)
37.17
41.65
67.76
45.35
29.59
27.37
35.89
17.53
28.81
28.72
28.15
25.18
27.41
24.56
Profit Margin (%)
13.41
10.32
4.87
9.69
15.15
10.73
8.21
5.76
11.1
9.75
11.4
17.36
13.49
13.6
Working Capital
908,462
890,471
985,200
1,132,466
1,190,783
2,060,585
2,309,375
2,570,259
2,612,328
2,774,590
3,020,753
3,272,034
3,619,290
3,450,673
LT Debt
915,076
877,580
941,630
1,101,520
1,129,108
1,964,375
2,212,123
2,423,771
2,439,311
2,577,924
2,813,050
3,057,281
3,413,114
3,244,587
Total Equity
394,868
422,829
447,082
418,988
446,882
490,848
491,741
485,475
532,057
563,738
600,040
717,611
719,028
698,099
Return on Invested Capital (%)
1.52
1.18
0.68
0.97
0.99
2.1
1.83
2.18
1.94
1.78
2.06
2.47
2.94
1.2
Return on Capital (%)
2.07
1.58
0.83
1.38
1.98
1.72
1.32
1.15
1.51
1.44
1.68
2.59
2.42
1.07
Return on Common Equity (%)
16.09
11.22
5.23
10.25
14.89
10.65
7.13
5.1
7.6
7.01
8.11
12.42
10.24
4.71

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
3,057,281
- -
3,244,587
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
163
- -
157
Market Capitalization
383,730
520,011
465,568

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
3,607,091
- -
3,718,573
Cash, Cash Equivalents & STI
108,745
- -
99,414
Accounts Receivable, Net
3,344,573
- -
3,457,642
Inventories
153,773
- -
161,517
Total Current Liabilities
335,057
- -
267,900
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.09%
8.36%
0.2%
Free Cash Flow
50.1%
70.54%
16.03%
Net Income, GAAP
25.15%
27.51%
-9.03%
Sales/Revenue/Turnover
7.24%
5.18%
17.11%
Total Cash Common Dividend
- -
20.63%
57.91%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
98,985
108,287
105,174
107,860
420,314
2025
- -
- -
- -
- -
492,235
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
108.43
167.51
110.56
- -
453.08
2025
- -
- -
- -
- -
423.02
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
70.03
- -
- -
- -
67.96
2025
- -
- -
- -
- -
110.14
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Hiroshi Rinno
Full Time Employees
6,138
Sector
Financial Services
Industry
Financial - Credit Services
Address
Sunshine 60 Building Tokyo TY Japan 170-6073
IPO Date
Apr 8, 2013
Website
corporate.saisoncard.co.jp
Similar Companies
Zhong Ji Longevity Science Group Limited (0767.HK)
American Express Company (AXP)
Synchrony Financial R (SFE.DE)
Key Corp Limited (KEYCORP.BO)
Shandong Hi-Speed Holdings Group Limited (0412.HK)
Vani Commercials Limited (VANICOM.BO)
Business
Credit Saison Co., Ltd. Credit Saison Co., Ltd. engages primarily in consumer finance and credit services in Japan and internationally. The company offers credit cards including Visa, MasterCard, American Express, and Saison-branded affinity cards; cash advances and smartphone settlements; loan servicing and debt collection; equipment leasing; real estate management and leasing; financing including credit guarantees and personal loans; asset management; insurance agency services; amusement and entertainment operations; and digital lending platforms. It operates through segments encompassing payment services, leasing, finance, real estate-related activities, global expansion, and entertainment, with affiliates handling import and sales of lifestyle goods, cleaning and security services, startup investments, online ticketing, and marketing utilizing payment data. Founded in 1951 and headquartered in Sunshine 60 Bldg., 1-1 Higashi-Ikebukuro 3-chome, Toshima-ku, Tokyo, Japan, Credit Saison Co., Ltd. serves over 20 million cardholders primarily in Japan while pursuing geographic expansion in Asia, Latin America, and emerging markets through subsidiaries in India, Indonesia, Vietnam, Thailand, Brazil, and Mexico. Key affiliates include Saison Fundex Corporation for real estate financing, Kisetsu Saison Finance (India) Pvt. Ltd. for digital lending, PT Credit Saison Indonesia Finance for leasing, Saison Capital Pte. Ltd. for overseas startup investments including crypto tokens, and partnerships with entities such as Suruga Bank Ltd. for banking collaboration, Idemitsu Credit Co., Ltd. for prepaid cards, and Daiwa House Financial Co., Ltd. for cashless payments. Recent developments include Mizuho Bank's investment in its Indian subsidiary Kisetsu Saison Finance (India) Pvt. Ltd. in February 2024 to bolster direct lending and aim for JPY 1 trillion capitalization, a USD 9 million loan agreement with Gojo & Company, Inc. in May 2025 to support financial inclusion in Cambodia, Myanmar, Sri Lanka, and India, and steady growth in collaboration loans with Suruga Bank since fiscal year 2023. The company continues to enhance profitability through diversified capital procurement such as bonds and commercial paper, backed by AAA ratings in India, and expands digital credit, settlement, and offshore lending in emerging countries.