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Credit Saison Co., Ltd. logo

Credit Saison Co., Ltd.

8253.T

JPXFinancial ServicesFinancial - Credit Services

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Latest quote

¥4,670

+¥13.00 · +0.28%

Aug 24, 1:22 PM JST

8253.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
JP
CEO
Hiroshi Rinno
Listed since
Jul 2, 1963
Employees
3,446

Market position

Day range

Current ¥4,670

52-week range

Current ¥4,670

Open
¥4,688
Previous close
¥4,657
Volume
91K
0.13× average
Average volume
718.47K
Average daily volume
Market cap
670.73B JPY
Beta
0.49
Market reference 1
50-day average
¥4,545.62
+2.74% above average
200-day average
¥4,313.28
+8.27% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
4.05T JPY
P/E (TTM)
9.82×
P/B (TTM)
0.87×
P/S (TTM)
1.21×
EV / EBITDA
32.42×
Earnings yield
10.77%
Free cash flow yield
-25.92%
Dividend yield
2.78%

Profitability & efficiency

Gross margin
72.21%
Operating margin
28.14%
Net margin
12.38%
Return on equity
8.24%
Return on assets
1.27%
Return on invested capital
2.09%

Financial health

Debt / equity
4.76×
Current ratio
5.21×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends79%54%29%3%Gross margin, FY2022: 66.16%Gross margin, FY2023: 68.16%Gross margin, FY2024: 71.00%Gross margin, FY2025: 72.27%Gross margin, FY2026: 71.05%Operating margin, FY2022: 21.51%Operating margin, FY2023: 25.89%Operating margin, FY2024: 30.04%Operating margin, FY2025: 32.06%Operating margin, FY2026: 27.09%Net margin, FY2022: 9.75%Net margin, FY2023: 11.40%Net margin, FY2024: 17.20%Net margin, FY2025: 13.49%Net margin, FY2026: 11.47%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 66.16%. Gross margin FY2023 68.16%. Gross margin FY2024 71.00%. Gross margin FY2025 72.27%. Gross margin FY2026 71.05%. Operating margin FY2022 21.51%. Operating margin FY2023 25.89%. Operating margin FY2024 30.04%. Operating margin FY2025 32.06%. Operating margin FY2026 27.09%. Net margin FY2022 9.75%. Net margin FY2023 11.40%. Net margin FY2024 17.20%. Net margin FY2025 13.49%. Net margin FY2026 11.47%.

Income trends

Revenue

547.08B JPY+11.14%

Operating income

148.23B JPY-6.06%

Net income

62.75B JPY-5.49%
Income trends across reported periods598.25B JPY393.57B JPY188.89B JPY−15.8B JPYRevenue, FY2022: 362.95B JPYRevenue, FY2023: 382.58B JPYRevenue, FY2024: 424.23B JPYRevenue, FY2025: 492.24B JPYRevenue, FY2026: 547.08B JPYOperating income, FY2022: 78.06B JPYOperating income, FY2023: 99.06B JPYOperating income, FY2024: 127.45B JPYOperating income, FY2025: 157.79B JPYOperating income, FY2026: 148.23B JPYNet income, FY2022: 35.38B JPYNet income, FY2023: 43.6B JPYNet income, FY2024: 72.99B JPYNet income, FY2025: 66.4B JPYNet income, FY2026: 62.75B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 362.95B JPY. Revenue FY2023 382.58B JPY. Revenue FY2024 424.23B JPY. Revenue FY2025 492.24B JPY. Revenue FY2026 547.08B JPY. Operating income FY2022 78.06B JPY. Operating income FY2023 99.06B JPY. Operating income FY2024 127.45B JPY. Operating income FY2025 157.79B JPY. Operating income FY2026 148.23B JPY. Net income FY2022 35.38B JPY. Net income FY2023 43.6B JPY. Net income FY2024 72.99B JPY. Net income FY2025 66.4B JPY. Net income FY2026 62.75B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue547.08B JPY492.24B JPY424.23B JPY382.58B JPY362.95B JPY
Cost of goods sold158.39B JPY136.49B JPY123.05B JPY121.81B JPY122.83B JPY
Gross profit388.69B JPY355.75B JPY301.19B JPY260.77B JPY240.13B JPY
Operating expenses240.46B JPY197.96B JPY173.74B JPY161.72B JPY162.07B JPY
Interest income7.08B JPY5.74B JPY2.92B JPY877M JPY989M JPY
Interest expense—37.44B JPY23.54B JPY14.34B JPY10.43B JPY
Depreciation and amortization33.8B JPY33.6B JPY32.67B JPY31.48B JPY29.83B JPY
Operating income148.23B JPY157.79B JPY127.45B JPY99.06B JPY78.06B JPY
Net income62.75B JPY66.4B JPY72.99B JPY43.6B JPY35.38B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
57%
4 beats, 3 misses, 0 met estimates
Average EPS surprise
+13.30%
7 comparable reports
Latest EPS result
151.42
Estimate 153.42 · Miss by 1.30%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates195.63147.0298.4149.8Q1 '25No estimateQ2 '25No estimateQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 185.48, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 15, 2025: actual 58.59, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 14, 2025: actual 108.85, estimate 115.71, surprise -5.93%, Miss. Q4 2025, reported Nov 14, 2025: actual 77.81, estimate 123.35, surprise -36.92%, Miss. Q1 2026, reported Feb 13, 2026: actual 148.43, estimate 99.78, surprise +48.76%, Beat. Q2 2026, reported May 15, 2026: actual 97.08, estimate 79.08, surprise +22.76%, Beat. Q3 2026, reported Aug 12, 2026: actual 151.42, estimate 153.42, surprise -1.30%, Miss. Q4 2026, reported Nov 5, 2026: actual —, estimate 135.39, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates132.05B121.65B111.25B100.85BQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 117.12B JPY, estimate 111.25B JPY, surprise +5.28%, Beat. Q2 2025, reported May 15, 2025: actual 105.93B JPY, estimate 106.12B JPY, surprise -0.18%, Miss. Q3 2025, reported Aug 14, 2025: actual 108.96B JPY, estimate 121.82B JPY, surprise -10.56%, Miss. Q4 2025, reported Nov 14, 2025: actual 124.57B JPY, estimate 114.78B JPY, surprise +8.53%, Beat. Q1 2026, reported Feb 13, 2026: actual 125.56B JPY, estimate 126.97B JPY, surprise -1.12%, Miss. Q2 2026, reported May 15, 2026: actual 119.18B JPY, estimate 120.44B JPY, surprise -1.05%, Miss. Q3 2026, reported Aug 12, 2026: actual 119.97B JPY, estimate 124.4B JPY, surprise -3.57%, Miss. Q4 2026, reported Nov 5, 2026: actual —, estimate 126.86B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥120

2025 complete year+166.7% since 2021

2026 partial: ¥130

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Mar 30, 2027

¥160

Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥130

Annual

Record Mar 31, 2026 · Payment Jun 18, 2026

Dividend

Ex-dividend Mar 28, 2025

¥120

Annual

Record Mar 31, 2025 · Payment Jun 26, 2025

Dividend

Ex-dividend Mar 28, 2024

¥105

Special

Record Mar 31, 2024 · Payment Jun 20, 2024

Dividend

Ex-dividend Mar 30, 2023

¥70.00

Annual

Record Mar 31, 2023 · Payment Jun 22, 2023

Dividend

Ex-dividend Mar 30, 2022

¥55.00

Annual

Record Mar 31, 2022 · Payment Jun 23, 2022

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ETFs holding 8253.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core Nikkei 225 ETF logoiShares Core Nikkei 225 ETF1329.T
Market value
4.99B
Weight
0.24%
AUM
2.12T JPY
Expense ratio
0.05%
Price / 1D
¥6,802-0.58%
iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
1.14B
Weight
0.04%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.3+0.07%
iShares JPX-Nikkei 400 ETF logoiShares JPX-Nikkei 400 ETF1364.T
Market value
335.3M
Weight
0.06%
AUM
592.34B JPY
Expense ratio
0.05%
Price / 1D
¥3,7610.00%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
47.24M
Weight
0.01%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
32.45M
Weight
0.01%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
27.53M
Weight
0.01%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
15.52M
Weight
0.08%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
12.62M
Weight
0.10%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%

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