Credit Saison Co., Ltd.
Stock Price Chart
2026/08/21 UpdatedPrice Trend
2026/08/21 UpdatedPrice & Trading Details
2026/08/21 UpdatedPRICE
TRADING
Analyst Recommendations 8 analysts
Updated 2026/08/01Earnings Calendar
Updated 2026/08/01Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026/05/14 | ¥78.99 | ¥97.08 | +22.9% |
| 2026/02/12 | ¥99.78 | ¥148.43 | +48.8% |
| 2025/11/13 | ¥123.35 | ¥77.81 | -36.9% |
| 2024/02/13 | ¥69.30 | ¥110.44 | +59.4% |
Shareholder Composition
Updated 2026/08/01Major Holders
Updated 2026/08/01| Institution | Ownership | Shares | Change |
|---|---|---|---|
|
VANGUARD STAR FUNDS-Vanguard Total International Stock Index Fund
|
1.7M | +4.48% | |
|
VANGUARD TAX-MANAGED FUNDS-Vanguard Developed Markets Index Fund
|
1.1M | +1.48% | |
|
Victory Portfolios-Victory Trivalent International Small-Cap Fund
|
969.0K | -0.05% | |
|
iShares Trust-iShares Core MSCI EAFE ETF
|
934.8K | 0.00% | |
|
Goldman Sachs TRT-Goldman Sachs Intl Small Cap Insights Fd.
|
807.1K | -9.52% | |
|
DFA INVESTMENT DIMENSIONS GROUP INC-Intl Core Eqy. 2 PORT.
|
591.9K | 0.00% |
Dividend History 4Years Growth
Updated 2026/08/23| Year | Dividend | Change |
|---|---|---|
| 2026 | ¥130 | +8.3% |
| 2025 | ¥120 | +14.3% |
| 2024 | ¥105 | +50.0% |
| 2023 | ¥70 | +27.3% |
| 2022 | ¥55 | - |
Financial Performance
2026/08/23 UpdatedRevenue & Profit
Margins
Cash Flow
Financial Health
| 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | ¥362,951M | ¥382,537M | ¥420,314M | ¥492,235M |
| Gross Profit | ¥299,017M | ¥322,638M | ¥361,604M | ¥422,818M |
| Operating Income | ¥76,476M | ¥94,271M | ¥118,826M | ¥161,120M |
| Pretax Income | ¥61,397M | ¥76,301M | ¥122,848M | ¥132,556M |
| Net Income | ¥35,375M | ¥43,599M | ¥72,987M | ¥66,397M |
| EPS | ¥226.13 | ¥278.75 | ¥452.69 | ¥422.19 |
| Operating Margin | 21.07% | 24.64% | 28.27% | 32.73% |
| Balance Sheet | ||||
| Total Assets | ¥3,610,778M | ¥3,896,105M | ¥4,335,852M | ¥4,671,143M |
| Total Equity | ¥562,387M | ¥598,301M | ¥705,053M | ¥705,678M |
| Total Liabilities | ¥3,048,391M | ¥3,297,804M | ¥3,630,799M | ¥3,965,465M |
| Cash | ¥108,970M | ¥159,671M | ¥108,745M | ¥139,399M |
| Interest-bearing Debt | ¥2,577,924M | ¥2,813,050M | ¥3,057,281M | ¥3,413,114M |
| Equity Ratio | 15.58% | 15.36% | 16.26% | 15.11% |
| D/E Ratio | 4.58 | 4.70 | 4.34 | 4.84 |
| Cash Flow | ||||
| Operating CF | -¥70,441M | -¥130,092M | -¥213,404M | -¥249,174M |
| Investing CF | -¥51,619M | -¥43,828M | -¥85,754M | -¥15,252M |
| Financing CF | ¥129,260M | ¥224,536M | ¥246,699M | ¥297,251M |
| Free CF | -¥86,876M | -¥145,728M | -¥232,677M | -¥269,983M |
| Efficiency | ||||
| ROE | 6.29% | 7.29% | 10.35% | 9.41% |
| ROA | 0.98% | 1.12% | 1.68% | 1.42% |
Latest IR Information
-
IFRS Consolidated First-Quarter Financial Results for the Three Months Ended March 2027
Net revenue for the consolidated first-quarter cumulative period was JPY 122,462 million, up 12.4% YoY. Operating income was JPY 30,442 million, up 32.7% YoY, and net income attributable to owners of the parent was JPY 21,750 million, up 35.1% YoY....
Read more -
【Credit Saison】Share Buyback Completed ｜ July 2026
Credit Saison has completed the disposal of 49,419 shares of treasury stock as share-based compensation for directors and executive officers, raising approximately ¥211,850,000.
Read more -
[Credit Saison] Share Buyback and Introduction of Executive Incentive System | June 2026
Credit Saison will dispose of 49,419 shares of treasury stock on July 17, 2026, and introduce a stock-based compensation system for executives as an incentive. The disposal price is 4,287 yen per share, totaling approximately 211.85 million yen.
Read more -
【Credit Saison】2026 Financial Results | Net Income of 6.17 billion yen, Dividend Increased to 130 yen | June 2026
The consolidated net income for the fiscal year ending March 2026 is 6.17 billion yen, a 7.0% decrease YoY. Sales are 472.7 billion yen, an 11.8% increase. The dividend is planned to be increased to 130 yen.
Read more
Latest News (5 items)
-
Average Analyst Rating: buy
Average Target Price: ¥5,234
Rating Score: 2.00 (Based on 8 analysts)
※1=Strong Buy, 5=Strong Sell
Company Information
About
Credit Saison Co., Ltd. provides leasing, finance, real estate, entertainment, global, and payment services in Japan and internationally. It operates through the Payment, Lease, Finance, Real Estate-Related, Global, and Entertainment segments. The company also engages in the credit card and related business; leasing of office equipment; credit guarantee and finance related businesses; real estate and real estate leasing business; lending and investment businesses; and development and management of amusement centers and arcades. In addition, it is involved in the import and sale of lifestyle goods; cleaning, security, and property maintenance services; asset management; debt collection; personal loans; life/non-life insurance agency; online ticket system and payment services; digital lending; and offshore lending. The company was formerly known as Seibu Credit Co., Ltd. and changed its name to Credit Saison Co., Ltd. in October 1989. Credit Saison Co., Ltd. was incorporated in 1951 and is headquartered in Tokyo, Japan.
