TSE: 8253 - Credit Saison Co., Ltd.

Yield per half year: -0.1991%
Dividend yield: +3.70%

Reporting Credit Saison Co., Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥							352.83
Выручка, млрд ¥	371.84	397.11	325.38	362.95	382.54	420.31	420.31	377.66	1.14
Чистая прибыль, млрд ¥	30.52	22.86	36.13	35.38	43.6	72.99	72.99	42.19	26.14
EV, млрд ¥	2 368.27	2 480.74	2 546.6	2 667.62	2 916.77	3 472.08	3 472.08	2816.76	6.96
EBIT, млрд ¥	56.82	77.31	94.05	-214.63	-208.55	127.45	127.45	-24.8740	10.51
EBITDA, млрд ¥	80.48	105.92	122.67	70.27	74.97	160.12	160.12	106.79	8.62
Баланс стоимость, млрд ¥	491	484.67	530.97	562.39	598.3	705.05	705.05	576.28	7.78
FCF, млрд ¥	-219.78	-190.71	-21.84	-86.88	-145.73	-232.68	-232.68	-135.5680	4.06
Операционный денежный поток, млрд ¥	-192.44	-169.86	-4.7	-70.44	-130.09	-213.4	-213.4	-117.6980	4.67
Операционная прибыль, млрд ¥	83.88	77.31	94.05	40.44	43.49	118.83	118.83	74.82	8.98
Операционные расходы, млрд ¥	220.97	236.91	202.38	222.54	229.32	242.78	242.78	226.79	0.49
CAPEX, млрд ¥	27.34	20.84	17.14	16.44	15.64	19.27	19.27	17.87	-1.55

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			93.5	104.09	14 596.8	98.99	108.29	105.17	107.86	115.59	109.48	143.23	116.27	6.37
Чистая прибыль, млрд ¥			12.32	17.77	-261.67	16.95	27.06	18.05	10.93	16.6	11.85	29.16	17.32	10.07
EV, млрд ¥			2 812.32	2 919.61	457 396.07	3 074.41	3 152.6	3 380.79	3 034.65	3 585.1	3 720.87	3 885.45	3521.37	2.82
EBIT, млрд ¥			27.9	34.6	2 668.1	15.64	51.93	39.05	20.58	25.83	7.26	44.59	27.46	2.69
EBITDA, млрд ¥			35.74	42.55	3 919.37	23.61	60.02	47.38	28.85	34	15.56	52.76	35.71	2.17
Баланс стоимость, млрд ¥			587.13	605.11	93 802.34	610.08	656.44	668.29	705.05	704.58	685.42	715.57	695.78	1.38
FCF, млрд ¥	19.17	-72.58	16.35	-104.16	14.67	-57.69	-25.71	-176.4	29.41				-43.1440	14.92
Операционный денежный поток, млрд ¥	23.81	-69.23	21.19	-101.39	19.34	-53.12	-21.15	-171.14	34.3				-38.3540	12.14
Операционная прибыль, млрд ¥			27.9	34.6	2 668.1	15.64	51.93	39.05	20.58	38.06	66.19	54.37	43.65	6.84
Операционные расходы, млрд ¥			55.45	56.42	9 995.58	57.04	59.09	59.43	67.23	62.01	-7.72	62.75	48.74	1.09
CAPEX, млрд ¥	4.64	3.36	4.84	2.78	4.66	4.57	4.56	5.25	4.89				4.79	0.97

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	82.64	109.76	101	108.97	159.67	108.75	108.75	117.63	-0.18
Short Term Investments ¥	56.68	61.51	73.89	52.47	70.81		70.81	63.07	4.55
Total Receivables ¥	2 433.17	2 614.2	2 655.09	2 847.54	2 990.52	3 344.57	3 344.57	2890.38	5.05
Total Current Assets ¥	2 627.22	2 810.55	2 848.37	3 031.98	3 284.47	3 686.87	3 686.87	3132.45	5.58
Чистые активы, млрд ¥	2 627.22	2 810.55	2 848.37	42.71	39.8		39.8	1673.73	-56.74
Активы, млрд ¥	3 212.46	3 357.23	3 409.25	3 610.78	3 896.11	4 335.85	4 335.85	3721.84	5.25
Short Term Debt ¥	781.45	885.87	728.96	772.2	830.19	777.32	777.32	798.91	-2.58
Long Term Debt ¥	2 212.12	2 423.77	1 635.5	1 800.55	1 978.43	3 057.28	3 057.28	2179.11	4.75
Задолженность, млрд ¥	2 720.72	2 871.75	2 877.19	3 047.04	3 296.07	3 618.24	3 618.24	3142.06	4.73
Чистый долг, млрд ¥	2 129.48	2 314.01	2 338.31	2 460.07	2 653.38	2 948.54	2 948.54	2542.86	4.97
Долг, млрд ¥	2 212.12	2 423.77	2 439.31	2 572.75	2 813.05	3 057.28	3 057.28	2661.23	4.75
Расходы на обслуживание долга ¥	9.88	10.47	11.27	11.46	15.26	24.9	24.9	14.67	18.92
Чист. проц. доходы, млрд ¥			5.91	5.67	8.04		8.04	6.54	10.80
Амортизация, млрд ¥	23.66	28.62	28.62	284.89	283.52	32.67	32.67	131.66	2.68
Себестоимость, млрд ¥		85.7	42.76	63.94	59.9	90.38	90.38	68.54	1.07
Товарно материальные запасы ¥	151.39	135.38	139.53	128.46	133.25	153.77	153.77	138.08	2.58

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥			96.65	118.92	25 033.41	112.99	107.26	116.46	108.75	106.87	99.41	128.92	112.08	2.05
Short Term Investments ¥			98.89	106.96	18 282.57	76.7	131.43	139.62					3747.46	5.47
Total Receivables ¥			2 921.94	3 024.5	468 857.12	3 051.05	3 139.52	3 307.59	3 344.57	3 421	3 541.7	3 693.02	3461.58	2.23
Total Current Assets ¥			3 093.13	3 274.24	514 942.64	3 303.09	3 384.99	3 568.06	3 607.09	3 683.34	3 802.63	3 977.79	3727.78	2.20
Чистые активы, млрд ¥	3 031.98	3 091.34	3 093.13	3 274.24	6 239.42	39.7							3147.57	-58.15
Активы, млрд ¥			3 691.1	3 885.42	610 835.97	3 922.03	4 053.41	4 278.53	4 335.85	4 425.84	4 441.73	4 720.44	4440.48	1.99
Short Term Debt ¥					130 158.8				777.32				65468.06	-92.27
Long Term Debt ¥	2 569.04	2 656	2 643.7	2 773.08	310 179.98	2 842.78	2 876.93	3 091.7	3 057.28				64409.73	-60.30
Задолженность, млрд ¥			3 102.47	3 278.69	516 760.99	3 310.02	3 394.81	3 607.93	3 156.03	3 707.94	3 743.63	3 991.05	3641.32	2.04
Чистый долг, млрд ¥			2 547.05	2 654.17	415 999.91	2 729.79	2 769.67	2 975.25	2 497.86	3 056.38	3 145.17	3 310.18	2996.97	2.16
Долг, млрд ¥			2 643.7	2 773.08	441 033.32	2 842.78	2 876.93	3 091.7	2 606.6	3 163.25	3 244.59	3 439.1	3109.05	2.15
Расходы на обслуживание долга ¥	3.13	3.13	3.82	3.76	712.57	5.07	5.81	6.62	7.39				147.49	-59.90
Чист. проц. доходы, млрд ¥			1.93	2.47	587.93								197.44	572.86
Амортизация, млрд ¥			7.84	7.95	1 251.27	7.97	8.1	8.33	8.27	8.17	8.3	8.17	8.25	-0.39
Себестоимость, млрд ¥						13.11	19.05	11.52	20.06	15.52	51.02	26.11	24.85	17.78
Товарно материальные запасы ¥			135.81	130.83	20 890.62	139.04	138.21	144.01	153.77	155.47	161.52	155.85	154.12	1.59

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	186.84	143.43	231.24	226.35	278.91	453.08		453.08	266.60	25.87
Цена акции ао				1701	2599.5	3698	3506	3506	2876.13	19.82
Число акций ао, млн	163.33	159.4	156.25	156.29	156.32	161.09		161.09	157.87	0.21
FCF/акцию	-1345.58	-1196.4	-139.76	-555.88	-932.25	-1444.39		-1444.39	-853.7360	3.84

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS			78.82	113.66	-1673.84	108.43	167.51	110.56	66.18	102.05	74.6	187.48			108.17	11.14
Цена акции ао													3766	3506	3636.00	-3.51
FCF/акцию	122.66	-464.4	104.57	-666.3	93.85	-369.05	-159.14	-1080.65	178.08						-267.3820	13.67

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	6.29	4.69	7.12	6.47	7.51	11.2		11.2	8.25	7.40	19.02
ROA, %	0.992	0.696	1.07	1.01	1.16	1.77		1.77	4.23	1.14	20.52
ROIC, %		0.7879	1.46	1.4	1.6			1.6	6.99	1.31	19.37
ROS, %		5.76	11.1	9.75	11.4	17.36	17.36	17.36	9.07	13.39	9.36
ROCE, %	1.96	2.48	2.96	-6.4	-5.74	3.19	17.76	3.19	11.00	2.35	43.10
Ebit margin, %		-67.67	-53.41	-59.13	-54.52	30.32	30.32	30.32		-21.2840	-189.29
Рентаб EBITDA, %	21.64	26.67	37.7	19.36	19.6	38.09	38.09	38.09	17.45	30.57	0.21
Чистая рентаб, %	8.21	5.76	11.1	9.75	11.4	17.36		17.36	9.07	11.07	24.69
Operation Margin, %		6.21	11.41	11.14	11.37	28.27	28.27	28.27	13.39	18.09	19.90

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	2.18	3.09	-0.2847	2.85	4.44	2.89	1.69	2.47	1.72	4.19		8.25	2.59	7.71
ROA, %	0.3339	0.4691	-0.0429	0.4336	0.6786	0.4332	0.2538	0.3788	0.2673	0.6366		4.23	0.3939	8.00
ROIC, %				0.808	1.2							6.99	1.00	21.87
ROS, %				17.12	24.99	17.16	10.13	14.36	10.82	20.36	17.36	9.07	14.61	11.38
ROCE, %		0.9992	0.4817	0.4354	1.42	1.04	0.5334	0.6514	0.1785	1.07	17.76	11.00	4.04	101.59
Ebit margin, %				15.8	47.95	37.13	19.08	22.35	6.63	31.13	30.32		21.90	9.71
Рентаб EBITDA, %		40.87	26.85	23.85	55.43	45.05	26.74	29.41	14.21	36.83	38.09	17.45	29.06	7.33
Чистая рентаб, %	13.18	17.07	-1.79	17.12	24.99	17.16	10.13	14.36	10.82	20.36		9.07	14.57	3.48
Operation Margin, %				15.8	47.95	37.13	19.08	32.93	60.45	37.96	28.27	13.39	35.74	8.18

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	7.82	7.29	5.76	5.87	6.04	7.17		7.17	130.52	6.43	-0.33
P/BV	0.4856	0.3434	0.3915	0.3682	0.439	0.7296		0.7296	113.66	0.4543	16.27
P/S	0.6422	0.4199	0.6401	0.5718	0.6885	1.25		1.25	113.72	0.7141	24.38
P/FCF					-2.42	-1.52	-1.52	-1.52	9.43	-1.8200	-14.36
E/P					0.1236	0.2069	0.2069	0.2069	0.54	0.1791	18.74
EV/EBIT		-9.23	-14.65	-12.43	-13.99	27.24	27.26	27.24		2.69	-213.22
EV/EBITDA	29.43	23.42	20.76	37.96	38.91	21.68		21.68	139.65	28.55	-1.53
EV/S		6.25	7.83	7.35	7.62	8.26	8.27	8.26	113.14	7.87	1.10
EV/FCF		-13.01	-116.61	-30.71	-20.02	-14.92	-14.93	-14.92	125.86	-39.4380	-33.71
Debt/EBITDA	27.49	22.88	19.88	36.61	37.52	19.09	19.09	19.09	-3.70	26.44	-0.81
Netdebt/Ebitda		21.85	19.06	35.01	35.39	18.42	18.42	18.42	22.55	25.26	-0.68
Debt/Ratio		0.9858	0.7138	0.7125	0.722	0.7051	0.7051	0.7051	0.16	0.7117	-0.24
Debt/Equity		6.83	4.58	4.57	4.7	4.34	5.04	4.34	4.48	4.65	1.93
Debt/Net Income		144.76	67.35	72.73	64.52	41.89	41.89	41.89	21.02	57.68	-9.06
PEG							0.0229	0.0229		0.0229	0.00
Бета					3.08	2.86	1.11	1.11	-70.22	2.35	-28.84
Индекс Альтмана					0.3276	0.3069	0.2668	0.2668	7.67	0.3004	-6.61

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	6.2	6.43	5.95		7.6	6.26	6.61	7.18	7.28	10.26	8.59			130.52	7.98	5.38
P/BV		0.4507	0.4375	0.44	0.5631	0.5814	0.6047	0.455	0.7365	0.8247	0.7887			113.66	0.6819	5.46
P/S		0.7334	0.7119	0.6902	0.8844	0.9242	0.9768	1.25	1.21	1.34	1.24			113.72	1.20	4.89
P/FCF													-1.52	9.43	-1.5200	0.00
E/P													0.2069	0.54	0.2069	0.00
EV/EBIT					196.61	60.71	86.58	147.48	138.79	512.3	87.14		27.26		182.59	-28.66
EV/EBITDA		23.72	22.47	20.49	24.23	20.85	21.67	18.98	21.06	29.58	29.62			139.65	24.18	6.45
EV/S					31.06	29.11	32.14	28.14	31.02	33.99	27.13		8.27	113.14	25.71	-21.72
EV/FCF					-53.29	-122.64	-19.17	103.17					-14.93	125.86	-21.3720	-22.47
Debt/EBITDA			65.18	112.53	120.43	47.93	65.25	90.36	93.04	208.51	65.19		19.09	-3.70	95.24	-26.72
Netdebt/Ebitda					115.64	46.14	62.8	86.59	89.9	202.12	62.74		18.42	22.55	91.95	-26.62
Debt/Ratio					0.7248	0.7098	0.7226	0.6012	0.7147	0.7305	0.7286		0.7051	0.16	0.6960	3.24
Debt/Equity					4.66	4.38	4.63	3.7	4.49	4.73	4.81		5.04	4.48	4.55	6.38
Debt/Net Income					167.72	106.32	171.31	238.48	190.6	273.8	117.92		41.89	21.02	172.54	-29.38
PEG													0.0229		0.0229	0.00
Бета												-0.3968	1.11	-70.22	0.3566	-267.25
Индекс Альтмана												0.2668	0.2668	7.67	0.2668	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд		5.72	7.35	7.03	7.04	8.6	10.95			10.95		8.19	8.30
Дивиденд	35	35	45	45	45	55	70	20	110	110		60.00	19.57
Див доход, ао, %	1.62	2.4	2.49	3.57	3.87	7.53	7.44	2.96	3.7	3.7	4.22	5.10	-0.89
Дивиденды / прибыль, %			18.74	32.16	19.46	19.89	19.73	15		15	39.77	21.25	-14.15
Dividend Coverage Ratio									6.67	6.67		6.67	0.00

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	8.6	8.6	8.6	8.6	8.6	10.95	15.5			10.45	12.50
Дивиденды / прибыль, %		56.66	69.8	48.4		64.59	57.26		39.77	59.34	0.21
Dividend Coverage Ratio								6.67		6.67	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	5840	5840	0.00

	CAGR 5

	CAGR 5