Credit Saison Co Ltd
TSE:8253

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Credit Saison Co Ltd Logo
Credit Saison Co Ltd
TSE:8253
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Price: 3 680 JPY 6.24% Market Closed
Market Cap: 593.6B JPY
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Intrinsic Value

The intrinsic value of one Credit Saison Co Ltd stock under the Base Case scenario is 13 731.91 JPY. Compared to the current market price of 3 680 JPY, Credit Saison Co Ltd is Undervalued by 73%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

Intrinsic Value
13 731.91 JPY
Undervaluation 73%
Intrinsic Value
Price
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Base Case
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Valuation Backtest
Credit Saison Co Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Credit Saison Co Ltd

Current Assets 3.7T
Cash & Short-Term Investments 106.9B
Receivables 3.4T
Other Current Assets 155.5B
Non-Current Assets 742.5B
Long-Term Investments 507.3B
PP&E 47.1B
Intangibles 136.2B
Other Non-Current Assets 52B
Current Liabilities 311.2B
Accounts Payable 304.5B
Other Current Liabilities 6.7B
Non-Current Liabilities 3.4T
Long-Term Debt 3.2T
Other Non-Current Liabilities 246.8B
Efficiency

Earnings Waterfall
Credit Saison Co Ltd

Revenue
436.9B JPY
Cost of Revenue
-61.1B JPY
Gross Profit
375.8B JPY
Operating Expenses
-247.8B JPY
Operating Income
128B JPY
Other Expenses
-55.4B JPY
Net Income
72.6B JPY

Free Cash Flow Analysis
Credit Saison Co Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

Profitability Score
Profitability Due Diligence

Credit Saison Co Ltd's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive Operating Income
Positive 3-Years Revenue Growth
ROE is Increasing
50/100
Profitability
Score

Credit Saison Co Ltd's profitability score is 50/100. The higher the profitability score, the more profitable the company is.

Solvency Score
Solvency Due Diligence

Credit Saison Co Ltd's solvency score is 33/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Long-Term Solvency
Low Altman Z-Score
Average Interest Coverage
33/100
Solvency
Score

Credit Saison Co Ltd's solvency score is 33/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

Price Targets Summary
Credit Saison Co Ltd

Wall Street analysts forecast Credit Saison Co Ltd stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for Credit Saison Co Ltd is 3 956.14 JPY with a low forecast of 2 828 JPY and a high forecast of 4 830 JPY.

Lowest
Price Target
2 828 JPY
23% Downside
Average
Price Target
3 956.14 JPY
8% Upside
Highest
Price Target
4 830 JPY
31% Upside
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Dividends

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Dividend Per Share
N/A
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0
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Shareholder Yield

Current shareholder yield for Credit Saison Co Ltd is .

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Profile

Credit Saison Co Ltd Logo
Credit Saison Co Ltd

Country

Japan

Industry

Financial Services

Market Cap

593.6B JPY

Dividend Yield

0.54%

Description

Credit Saison Co., Ltd. engages in the provision of consumer credit and finance services. The company is headquartered in Toshima, Tokyo-To and currently employs 5,623 full-time employees. The firm operates in five business segments. The Payment segment provides credit card and servicer services. The Lease segment is engaged in the leasing business. The Finance segment provides credit guarantee business and other finance-related business. The Real Estate-related segment is engaged in real estate, real estate leasing, and asset recovery businesses. The Entertainment segment is engaged in the operation of amusement business.

Contact

TOKYO-TO
Toshima
52F, Sunshine 60 Bldg., 3-1-1, Higashi-Ikebukuro
+81339882111.0
www.saisoncard.co.jp

IPO

1963-07-02

Employees

5 623

Officers

Representative, Chairman & CEO
Mr. Hiroshi Rinno
Exe President, COO and Head of Group Strategic Mgmnt Dept., Corp Planning Dept. & Rep Director
Mr. Katsumi Mizuno
CFO, Mang. Exe. Officer, Head of Treasury & Account Dept., GM of Global Business Div. & PR
Mr. Masaki Negishi
Sr. Managing Exec. Officer, CTO, CDO, Head of CSDX Dev. Dept., Customer Success Div. & Director
Mr. Kazutoshi Ono
Head of General Affairs Dept., Strategic HR Dept., & Managing Executive Officer
Mr. Ryuki Tabata
EVP, CHO, Head of Audit Dept. & Representative Director
Mr. Naoki Takahashi
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Managing Exe. Officer, Head & GM of Saison AMEX Div. In charge of Credit Guarantee Dept. & Director
Mr. Shunji Ashikaga
Man. Exe. Off., & Head of Branding Strategy Dept., Processing Business Division
Ms. Kazue Yasumori
Managing Executive Officer, GM of Finance Division, Head of Finance Division & Director
Mr. Naoki Nakayama
Sr. Mg. Exe. Off., Head of Global Business Division, Sustainability Dept. & Director
Mr. Kosuke Mori
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See Also

Discover More
What is the Intrinsic Value of one Credit Saison Co Ltd stock?

The intrinsic value of one Credit Saison Co Ltd stock under the Base Case scenario is 13 731.91 JPY.

Is Credit Saison Co Ltd stock undervalued or overvalued?

Compared to the current market price of 3 680 JPY, Credit Saison Co Ltd is Undervalued by 73%.

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