Credit Saison Statistics

Total Valuation

Credit Saison has a market cap or net worth of JPY 669.16 billion. The enterprise value is 4.19 trillion.

Market Cap	669.16B
Enterprise Value	4.19T

Important Dates

The last earnings date was Friday, February 13, 2026.

Earnings Date	Feb 13, 2026
Ex-Dividend Date	Mar 30, 2026

Share Statistics

Credit Saison has 143.63 million shares outstanding. The number of shares has decreased by -8.01% in one year.

Current Share Class	143.63M
Shares Outstanding	143.63M
Shares Change (YoY)	-8.01%
Shares Change (QoQ)	-1.09%
Owned by Insiders (%)	0.16%
Owned by Institutions (%)	67.78%
Float	143.40M

Valuation Ratios

The trailing PE ratio is 11.92 and the forward PE ratio is 9.75. Credit Saison's PEG ratio is 1.20.

PE Ratio	11.92
Forward PE	9.75
PS Ratio	1.25
PB Ratio	0.89
P/TBV Ratio	1.07
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	1.20

Financial Ratio History

Enterprise Valuation

EV / Earnings	72.79
EV / Sales	7.83
EV / EBITDA	23.51
EV / EBIT	29.11
EV / FCF	n/a

Financial Position

The company has a current ratio of 13.46, with a Debt / Equity ratio of 4.78.

Current Ratio	13.46
Quick Ratio	12.87
Debt / Equity	4.78
Debt / EBITDA	21.82
Debt / FCF	n/a
Interest Coverage	2.66

Financial Efficiency

Return on equity (ROE) is 7.85% and return on invested capital (ROIC) is 2.16%.

Return on Equity (ROE)	7.85%
Return on Assets (ROA)	1.70%
Return on Invested Capital (ROIC)	2.16%
Return on Capital Employed (ROCE)	2.83%
Weighted Average Cost of Capital (WACC)	1.71%
Revenue Per Employee	147.74M
Profits Per Employee	15.89M
Employee Count	3,624
Asset Turnover	0.11
Inventory Turnover	0.44

Taxes

In the past 12 months, Credit Saison has paid 26.01 billion in taxes.

Income Tax	26.01B
Effective Tax Rate	30.88%

Stock Price Statistics

The stock price has increased by +35.84% in the last 52 weeks. The beta is 0.29, so Credit Saison's price volatility has been lower than the market average.

Beta (5Y)	0.29
52-Week Price Change	+35.84%
50-Day Moving Average	4,357.36
200-Day Moving Average	4,002.77
Relative Strength Index (RSI)	64.16
Average Volume (20 Days)	693,585

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Credit Saison had revenue of JPY 535.41 billion and earned 57.60 billion in profits. Earnings per share was 391.02.

Revenue	535.41B
Gross Profit	463.09B
Operating Income	131.12B
Pretax Income	84.21B
Net Income	57.60B
EBITDA	165.41B
EBIT	131.12B
Earnings Per Share (EPS)	391.02

Full Income Statement

Balance Sheet

The company has 100.34 billion in cash and 3.61 trillion in debt, giving a net cash position of -3,509.66 billion or -24,435.99 per share.

Cash & Cash Equivalents	100.34B
Total Debt	3.61T
Net Cash	-3,509.66B
Net Cash Per Share	-24,435.99
Equity (Book Value)	754.47B
Book Value Per Share	5,153.83
Working Capital	3.88T

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross margin is 86.49%, with operating and profit margins of 24.49% and 10.76%.

Gross Margin	86.49%
Operating Margin	24.49%
Pretax Margin	15.73%
Profit Margin	10.76%
EBITDA Margin	30.89%
EBIT Margin	24.49%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 130.00, which amounts to a dividend yield of 2.72%.

Dividend Per Share	130.00
Dividend Yield	2.72%
Dividend Growth (YoY)	8.33%
Years of Dividend Growth	4
Payout Ratio	n/a
Buyback Yield	8.01%
Shareholder Yield	10.73%
Earnings Yield	8.61%
FCF Yield	n/a

Dividend Details

Stock Splits

The last stock split was on March 26, 1997. It was a forward split with a ratio of 1.15.

Last Split Date	Mar 26, 1997
Split Type	Forward
Split Ratio	1.15

Scores

Credit Saison has an Altman Z-Score of 1.4 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	1.4
Piotroski F-Score	5