Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
Credit Saison Co., Ltd. (8253.T)
JPY4,668.00
+98.00 (+2.14%)
JP JPX Financial Services Financial - Credit Services
Address
Sunshine 60 Building 170-6073
Tokyo, JP
Tokyo, JP
CEO
Hiroshi Rinno
Website
corporate.saisoncard.co.jp
IPO
2000-01-04
ISIN JP3271400008
Also trades on
Other OTC · CSASF (USD)
Tokyo Stock Exchange · 8253.T (JPY)
Description
Credit Saison Co., Ltd. is a diversified Japanese company, also operating globally, that delivers a broad spectrum of services. These encompass various financial and payment offerings, including credit cards, prepaid and debit cards, mobile-based payment systems, and loan collection. The company also extends business support and payment processing solutions to corporate clients, alongside marketing services. Its operations further include credit guarantees, diverse financing activities, and the leasing of office equipment. Additionally, Credit Saison is engaged in the real estate sector, covering property management and rental, as well as digital payment solutions and asset management. The company also develops and oversees entertainment facilities, such as amusement centers. Established in 1951, Credit Saison Co., Ltd. is headquartered in Tokyo, Japan, and was formerly known as Seibu Credit Co., Ltd. until its name change in October 1989.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary
Loading…
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
JPY4,668.00
+98.00 (+2.14%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
704.6K
Beta
0.48
Float Shares
94.37M
Free Float %
65.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.50% | -2.74% | -1.84% | -10.62% | +17.50% | +1.24% | +9.97% | +122.07% | +226.96% | +105.85% | +133.77% |
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From
To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
Loading histogram data…
Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
4,668.00
DCF (Unlevered)
40,883.97
+775.8%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
75% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 3 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.41
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+11.1% Q1'26: +9.4% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+2.2% Q1'26: +67.4% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-24.9% Q1'26: +0.0% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+16.7% Q1'26: +13.3% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+1.5% Q1'26: +1.4% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%-7.5% ★ Q1'26: -5.2% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×28.66× Q1'26: 35.18× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 7 Rev. Ana. 8 EPS Ana. |
Mar 2027 1 Rev. Ana. 4 EPS Ana. |
Mar 2028 7 Rev. Ana. 7 EPS Ana. |
Mar 2029 3 Rev. Ana. 3 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
Mar 2031 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
335.85B
est: 257.33B (+30.5%)
|
345.76B
est: 270.85B (+27.7%)
|
351.10B
est: 277.74B (+26.4%)
|
366.86B
est: 292.90B (+25.3%)
|
371.84B
est: 302.39B (+23.0%)
|
397.11B
est: 314.87B (+26.1%)
|
325.38B
est: 292.93B (+11.1%)
|
362.95B
est: 296.36B (+22.5%)
|
382.58B
est: 317.03B (+20.7%)
|
424.23B
est: 436.92B (-2.9%)
|
492.24B
est: 419.68B (+17.3%)
|
482.04B
480.45B – 483.89B
+14.9% YoY
|
501.24B
488.37B – 521.71B
+4.0% YoY
|
530.23B
503.77B – 572.28B
+5.8% YoY
|
566.13B
566.13B – 566.13B
+6.8% YoY
|
611.00B
595.30B – 635.95B
+7.9% YoY
|
666.90B
649.77B – 694.13B
+9.1% YoY
|
| EBITDA |
56.89B
est: 78.21B (-27.3%)
|
68.45B
est: 82.32B (-16.8%)
|
80.66B
est: 84.42B (-4.4%)
|
74.51B
est: 89.02B (-16.3%)
|
78.65B
est: 91.91B (-14.4%)
|
65.88B
est: 95.70B (-31.2%)
|
89.62B
est: 89.03B (+0.7%)
|
90.19B
est: 90.08B (+0.1%)
|
106.87B
est: 96.36B (+10.9%)
|
154.16B
est: 126.92B (+21.5%)
|
163.82B
est: 121.92B (+34.4%)
|
140.03B
139.57B – 140.57B
+14.9% YoY
|
145.61B
141.87B – 151.56B
+4.0% YoY
|
154.03B
146.34B – 166.25B
+5.8% YoY
|
164.46B
164.46B – 164.46B
+6.8% YoY
|
177.49B
172.93B – 184.74B
+7.9% YoY
|
193.73B
188.76B – 201.64B
+9.1% YoY
|
| EBIT |
46.97B
est: 57.71B (-18.6%)
|
60.29B
est: 60.74B (-0.7%)
|
73.30B
est: 62.29B (+17.7%)
|
60.99B
est: 65.69B (-7.2%)
|
54.99B
est: 67.81B (-18.9%)
|
37.26B
est: 70.61B (-47.2%)
|
60.99B
est: 65.69B (-7.2%)
|
60.36B
est: 66.46B (-9.2%)
|
75.39B
est: 71.10B (+6.0%)
|
121.49B
est: 94.46B (+28.6%)
|
130.23B
est: 90.73B (+43.5%)
|
104.22B
103.87B – 104.62B
+14.9% YoY
|
108.37B
105.58B – 112.79B
+4.0% YoY
|
114.63B
108.91B – 123.72B
+5.8% YoY
|
122.40B
122.40B – 122.40B
+6.8% YoY
|
132.10B
128.70B – 137.49B
+7.9% YoY
|
144.18B
140.48B – 150.07B
+9.1% YoY
|
| Net Income |
12.63B
est: 22.20B (-43.1%)
|
26.16B
est: 26.94B (-2.9%)
|
42.25B
est: 39.15B (+7.9%)
|
38.45B
est: 36.46B (+5.5%)
|
30.52B
est: 32.69B (-6.7%)
|
22.86B
est: 32.58B (-29.8%)
|
36.13B
est: 31.18B (+15.9%)
|
35.38B
est: 35.95B (-1.6%)
|
43.60B
est: 45.37B (-3.9%)
|
72.99B
est: 65.49B (+11.5%)
|
66.40B
est: 55.24B (+20.2%)
|
62.75B
59.21B – 65.78B
+13.6% YoY
|
77.19B
75.03B – 79.18B
+23.0% YoY
|
79.14B
70.82B – 94.48B
+2.5% YoY
|
96.46B
94.82B – 98.10B
+21.9% YoY
|
108.61B
104.98B – 114.37B
+12.6% YoY
|
117.76B
113.82B – 124.01B
+8.4% YoY
|
| SGA |
—
est: 151.38B (-100.0%)
|
—
est: 159.33B (-100.0%)
|
—
est: 163.39B (-100.0%)
|
—
est: 172.31B (-100.0%)
|
—
est: 177.89B (-100.0%)
|
—
est: 185.23B (-100.0%)
|
—
est: 172.32B (-100.0%)
|
—
est: 174.34B (-100.0%)
|
—
est: 186.50B (-100.0%)
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
—
— – —
|
| EPS |
68.77
est: 141.43 (-51.4%)
|
147.37
est: 171.65 (-14.1%)
|
258.70
est: 249.41 (+3.7%)
|
234.67
est: 232.27 (+1.0%)
|
186.84
est: 208.29 (-10.3%)
|
143.43
est: 207.59 (-30.9%)
|
231.24
est: 198.63 (+16.4%)
|
226.35
est: 229.02 (-1.2%)
|
278.91
est: 295.58 (-5.6%)
|
453.08
est: 446.62 (+1.4%)
|
423.01
est: 376.73 (+12.3%)
|
427.97
407.76 – 453.05
+13.6% YoY
|
532.63
516.74 – 545.31
+24.5% YoY
|
578.38
487.71 – 650.71
+8.6% YoY
|
666.87
653.00 – 675.60
+15.3% YoY
|
748.00
723.02 – 787.70
+12.2% YoY
|
811.00
783.91 – 854.05
+8.4% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-18 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-15 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-14 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-13 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-12 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-11 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-01 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-24 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 3/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-143.15B
OE per share TTM
-877.81
Owner's Yield
-23.47%
Maintenance CapEx ratio
13.88%
Maint CapEx / Avg PPE
10.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 114 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | JPMorgan International Dynamic ETF JIDE | 0.55% | 142.7K | 0.55% |
| 2 | Fidelity Japan Equity Research Enhanced UCITS ETF ACC-JPY FJPR.L | 0.52% | 1.66M | 0.25% |
| 3 | iShares MSCI Japan Small-Cap ETF SCJ | 0.27% | 682.6K | 0.50% |
| 4 | iShares MSCI Japan Small Cap UCITS ETF IDJP.L | 0.26% | 1.47M | 0.58% |
| 5 | iShares Nikkei 225 UCITS ETF (DE) EXX7.DE | 0.23% | 725.0K | 0.51% |
| 6 | iShares Nikkei 225 UCITS ETF CNKY.L | 0.22% | 1.52M | 0.48% |
| 7 | iShares Nikkei 225 UCITS ETF 1329.T | 0.22% | 29.30M | 0.05% |
| 8 | Xtrackers Nikkei 225 UCITS ETF 1D XDJP.L | 0.21% | 6.58M | 0.09% |
| 9 | Xtrackers Nikkei 225 UCITS ETF 2D EUR Hedged XDJE.DE | 0.21% | 6.58M | 0.19% |
| 10 | Invesco Global Buyback Achievers UCITS ETF BUYB.L | 0.16% | 272.8K | 0.39% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
14.86M
Shares Outstanding
143.62M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Kosuke Mori | Senior Managing Executive Officer, Head of Global Business Division-Sustainability Dept. & Director | 107M | male |
| Katsumi Mizuno | President, Chief Operating Officer, Head of Group Strategic Mgmnt Dept., Corp Planning Dept. & Representative Director | — | male |
| Kazue Yasumori | Man. Exe. Off., & Head of Branding Strategy Dept., Processing Business Division | — | female |
| Kazutoshi Ono | Sr. Mng. Exec. Officer, CTO, CDO, Head of CSDX Dev. Dept., Cust. Succ. Div. and ISM Dept. & Director | — | male |
| Masaki Negishi | CFO, Mng. Exe. Off, Head of Corporate Planning Dept., Public Relations Office, Treasury & Ac Dept. | — | male |
| Naoki Nakayama | Managing Executive Officer, GM of Finance Division, Head of Finance Division & Director | — | male |
| Naoki Takahashi | EVice President, CHO, Head of Audit Dept. & Representative Director | — | male |
| Ryuki Tabata | Head of General Affairs Dept., Strategic HR Dept., & Managing Executive Officer | — | male |
| Hiroshi Rinno | Representative, Chairman & Chief Executive Officer | — | male |
| Shunji Ashikaga | Managing Exe. Officer, Head of Saison AMEX Div., GM of Saison AMEX Div. & Director | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for 8253.T
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
