1. Japan Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Credit Saison Co., Ltd.

Credit Saison Co., Ltd.

4,135.00
JPY
-45.00
(-1.08%)
576.22BMarket Cap
Nov 13Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
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
3,762.21
- -
Basic EPS, GAAP
139.15
68.77
147.37
258.7
235.39
186.84
143.43
231.24
226.35
278.91
453.08
423.02
425.13
- -
Free Cash Flow per Basic Share
-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
-1,059.24
- -
Dividend per Share
30.01
30.01
31.04
35.02
35.01
35.01
46.13
45.01
45.01
55.02
67.96
110.14
124.39
- -
Book Value per Share
2,283.28
2,424.05
2,563.61
2,724.87
2,993.17
3,006.13
3,102.26
3,397.92
3,598.22
3,827.22
4,323.35
4,740.04
5,296
- -
Tangible Book Value per Share
1,526.65
1,609.22
1,487.58
1,496.58
1,642.5
1,659.36
1,943.35
2,300.92
2,559.7
2,864.77
3,473.66
3,886.14
4,497.69
- -
Basic Weighted Avg Shares
184
184
178
163
163
163
159
156
156
156
161
157
145
145
Sales/Revenue/Turnover
247,575
259,073
269,917
278,943
358,328
371,839
397,109
325,378
362,951
382,537
420,314
492,235
546,269
- -
Operating Margin (%)
14.68
15.5
13.56
11.19
22.11
22.56
18.76
24.66
21.07
24.64
28.27
32.73
36.34
- -
Depreciation Expense
12,044
9,918
8,159
7,368
13,528
23,660
28,615
28,624
29,825
31,482
32,669
33,595
34,613
- -
Net Income, GAAP
25,552
12,628
26,163
42,253
38,446
30,517
22,863
36,132
35,375
43,599
72,987
66,397
61,728
- -
Effective Tax Rate (%)
41.65
67.76
45.35
29.59
27.37
35.89
17.53
28.81
28.72
28.15
25.18
27.41
30.46
- -
Profit Margin (%)
10.32
4.87
9.69
15.15
10.73
8.21
5.76
11.1
9.75
11.4
17.36
13.49
11.3
- -
Working Capital
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
3,852,959
- -
LT Debt
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
3,591,400
- -
Total Equity
422,829
447,082
418,988
446,882
490,848
491,741
485,475
532,057
563,738
600,040
717,611
719,028
775,540
- -
Return on Invested Capital (%)
1.18
0.68
0.97
0.99
1.08
1.09
1.03
1.17
1.21
1.3
1.67
2.15
2.22
- -
Return on Capital (%)
1.43
0.75
1.26
1.85
1.66
1.3
1.13
1.5
1.42
1.66
2.54
2.39
2.27
- -
Return on Common Equity (%)
6.3
2.92
6.06
9.78
8.23
6.23
4.69
7.12
6.47
7.51
11.2
9.41
8.42
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
3,495,160
3,591,400
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
144
144
144
Market Capitalization
567,491
576,220
632,897

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
3,971,799
4,167,890
- -
Cash, Cash Equivalents & STI
76,997
112,317
- -
Accounts Receivable, Net
3,719,551
3,865,302
- -
Inventories
175,251
176,379
- -
Total Current Liabilities
266,941
314,931
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.5%
8.01%
7.86%
Free Cash Flow
43.74%
79.65%
-43.03%
Net Income, GAAP
13.73%
14.5%
-7.03%
Sales/Revenue/Turnover
7.92%
10.98%
10.98%
Total Cash Common Dividend
- -
22.39%
4.48%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
492,235
2026
- -
- -
- -
- -
546,269
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
423.02
2026
- -
- -
- -
- -
425.13
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
110.14
2026
- -
- -
- -
- -
124.39
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Hiroshi Rinno
Full Time Employees
6,346
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Sunshine 60 Building Tokyo TY Japan 170-6073
IPO Date
Jul 2, 1963
Website
saisoncard.co.jp
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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.