	2025	2026	2027	2028	2029
Revenue	413,064	452,840	480,954	-	-
Dividend	107.50	119.17	-	-	-
Dividend Yield (in %)	2.92 %	3.23 %	3.43 %	4.47 %	4.76 %
EPS	355.50	410.22	440.21	-	-
P/E Ratio	10.37	8.99	8.38	7.10	6.64
EBIT	83,451	94,173	100,777	-	-
EBITDA	-	-	-	-	-
Net Profit	55,836	61,681	-	-	-
Net Profit Adjusted	57,824	64,434	68,984	-	-
Pre-Tax Profit	-	-	-	-	-
Pre-Tax Profit Reported	76,471	79,747	82,951	-	-
EPS (Non-GAAP) ex. SOE	-	-	-	-	-
EPS (GAAP)	364.96	439.15	469.84	-	-
Gross Income	-	-	-	-	-
Cash Flow from Investing	-	-	-	-	-
Cash Flow from Operations	-	-	-	-	-
Cash Flow from Financing	-	-	-	-	-
Cash Flow per Share	-	-	-	-	-
Free Cash Flow	26,932	33,243	38,065	-	-
Free Cash Flow per Share	-	-	-	-	-
Book Value per Share	4,578.47	4,935.60	5,303.33	-	-
Net Debt	3,247,050	3,466,864	3,687,115	-	-
Research & Development Exp.	-	-	-	-	-
Capital Expenditure	-	-	-	-	-
Selling, General & Admin. Exp.	258,350	274,225	289,700	-	-
Shareholder’s Equity	706,800	745,033	786,300	-	-
Total Assets	4,575,100	4,885,333	5,213,200	-	-

	Previous Quarter ending 09/30/24	Current Quarter ending 12/31/24	Next Quarter ending 03/31/25	Current Year ending 03/31/25	Next Year ending 03/31/26
Earnings Estimates
No. of Analysts	-	-	-	7	7
Average Estimate	-	-	-	352.744 JPY	405.084 JPY
Year Ago	-	-	-	453.082 JPY	-
Publish Date	-	-	-	-	-
Revenue Estimates
No. of Analysts	-	1	1	7	7
Average Estimate	-	105,400 JPY	108,300 JPY	413,055 JPY	452,434 JPY
Year Ago	-	105,174 JPY	107,860 JPY	424,234 JPY	-
Publish Date	-	-	5/14/2025	-	-

* Average Estimates in Million (e.g. Revenue) or per share (e.g. Dividend). Source: FactSet

Income Statements in Mio. JPY

	2024	2023	2022	2021	2020	2019	2018
Sales	424,234.00	382,580.00	362,952.00	325,378.00	397,109.00	371,839.00	365,002.00
Change of sales in %	10.89	5.41	11.55	-18.06	6.80	1.87	3.96
Gross profit on sales	333,858.00	292,255.00	269,952.00	254,837.00	284,286.00	281,722.00	289,688.00
Gross profit on sales change in %	14.24	8.26	5.93	-10.36	0.91	-2.75	6.41
Operating income	127,446.00	99,056.00	78,058.00	85,847.00	75,123.00	74,096.00	50,212.00
Operating income change in %	28.66	26.90	-9.07	14.28	1.39	47.57	56.09
Income before tax	68,336.00	52,182.00	44,564.00	45,796.00	27,458.00	45,763.00	52,307.00
Income before tax change in %	30.96	17.09	-2.69	66.79	-40.00	-12.51	-15.91
Income after tax	72,987.00	43,600.00	35,375.00	36,133.00	22,863.00	30,516.00	38,329.00
Income after tax change in %	67.40	23.25	-2.10	58.04	-25.08	-20.38	-9.29

Balance Sheet in Mio. JPY

	2024	2023	2022	2021	2020	2019	2018
Total liabilities	3,618,231.00	3,277,401.00	3,042,699.00	2,877,190.00	2,871,753.00	2,720,719.00	2,459,353.00
Long-term liabilities per share	-	-	-	-	-	-	-
Equity	717,611.00	600,040.00	563,738.00	532,057.00	485,475.00	491,741.00	480,669.00
Equity change in %	17.84	6.39	5.92	9.55	-1.29	2.48	7.65
Balance sheet total	4,335,842.00	3,877,441.00	3,606,437.00	3,409,247.00	3,357,228.00	3,212,460.00	2,940,022.00
Balance sheet total change in %	11.82	7.51	5.78	1.55	4.51	9.27	8.09

Key Data in JPY

	2024	2023	2022	2021	2020	2019	2018
Sales per share	2,633.52	2,447.45	2,322.37	2,082.37	2,491.26	2,276.58	2,234.72
P/E ratio (year end quote, basic EPS)	7.01	6.02	5.76	5.74	8.76	7.82	7.44
P/E ratio (year end quote, diluted EPS)	7.02	6.03	5.76	5.75	8.81	7.82	7.44
P/E ratio (year end quote)	7.01	6.02	5.76	5.74	8.76	7.82	7.44
Dividend yield in %	2.68	4.17	4.22	3.39	3.58	3.08	2.00
Equity ratio in %	16.55	15.40	15.61	15.61	14.46	15.31	16.35
Debt ratio in %	83.45	84.12	84.27	84.39	85.54	84.69	83.65

Credit Saison Dividend Calendar

Date	Name	Dividend	*yield	Currency
2024	Credit Saison Co. Ltd.	85.00	2.68	JPY
2023	Credit Saison Co. Ltd.	70.00	4.17	JPY
2022	Credit Saison Co. Ltd.	55.00	4.22	JPY
2021	Credit Saison Co. Ltd.	45.00	3.39	JPY
2020	Credit Saison Co. Ltd.	45.00	3.58	JPY
2019	Credit Saison Co. Ltd.	45.00	3.08	JPY
2018	Credit Saison Co. Ltd.	35.00	2.00	JPY
2017	Credit Saison Co. Ltd.	35.00	1.76	JPY
2016	Credit Saison Co. Ltd.	35.00	1.79	JPY
2015	Credit Saison Co. Ltd.	30.00	1.39	JPY
2014	Credit Saison Co. Ltd.	30.00	1.46	JPY
2013	Credit Saison Co. Ltd.	30.00	1.28	JPY
2012	Credit Saison Co. Ltd.	30.00	1.79	JPY
2011	Credit Saison Co. Ltd.	30.00	2.24	JPY
2010	Credit Saison Co. Ltd.	30.00	2.07	JPY
2009	Credit Saison Co. Ltd.	30.00	3.14	JPY

*Yield of the Respective Date

Credit Saison Calendar

Event	Estimate	Info	Date
Earnings Report	110.560 JPY	Q3 2024 Earnings Release	02/07/2025
Earnings Report	-	Q4 2025 Earnings Release	05/14/2025
Earnings Report	102.150 JPY	Q1 2025 Earnings Release	08/08/2025
Earnings Report	74.900 JPY	Q2 2025 Earnings Release	11/18/2025

Credit Saison Past Events

Event	Actual EPS	Info	Date
Earnings Report	167.510 JPY	Q2 2024 Earnings Release	11/14/2024
Earnings Report	108.430 JPY	Q1 2024 Earnings Release	08/09/2024
Earnings Report	-10.680 JPY	Q4 2023 Earnings Release	05/15/2024
Earnings Report	113.670 JPY	Q3 2023 Earnings Release	02/13/2024
Earnings Report	78.820 JPY	Q2 2023 Earnings Release	11/10/2023
Earnings Report	97.110 JPY	Q1 2023 Earnings Release	08/10/2023
Earnings Report	-3.710 JPY	Q4 2022 Earnings Release	05/15/2023
Earnings Report	92.140 JPY	Q3 2022 Earnings Release	02/09/2023
Earnings Report	66.010 JPY	Q2 2022 Earnings Release	11/10/2022
Earnings Report	71.920 JPY	Q1 2022 Earnings Release	08/10/2022
Earnings Report	17.520 JPY	Q4 2021 Earnings Release	05/13/2022
Earnings Report	83.190 JPY	Q3 2021 Earnings Release	02/09/2022

Credit Saison Profile

Credit Saison Co. , Ltd. engages in the provision of consumer credit and finance services. It operates through the following segments: Credit Service, Lease, Finance, Real Estate-related, and Entertainment. The Credit Service segment covers businesses related to credit card shopping, cash advance, smartphone settlement, and servicing (loan collection agency). The Lease segment rents out office equipment. The Finance segment deals with credit guarantee and financing. The Real Estate-related segment handles real estate management and leasing business.

Moody’s Daily Credit Risk Score

Risk

Low
Medium
High

Moody’s Daily Credit Risk Score is a 1-10 score of a company’s credit risk, based on an analysis of the firm’s balance sheet and inputs from the stock market. The score provides a forward-looking, one-year measure of credit risk, allowing investors to make better decisions and streamline their work ow. Updated daily, it takes into account day-to-day movements in market value compared to a company’s liability structure.

Credit Saison Shareholder

Owner	in %
Freefloat	70.32
Credit Saison Co., Ltd.	15.61
Nomura Asset Management Co., Ltd.	7.17
M&G Investment Management Ltd.	6.21
Asset Management One Co., Ltd.	5.65
Nomura Asset NEXT FUNDS NIKKEI 225 ETF (1321)	4.77
Suruga Bank Ltd.	4.44
Daiwa Securities Group, Inc.	4.34
Nikko Asset Management Co., Ltd.	3.64
Office Support KK	2.68
Sumitomo Mitsui Trust Asset Management Co., Ltd.	2.49
M&G Investment Funds (1) OEIC - Japan Fund	2.35
Nikko Exchange Traded Index Fund 225	2.31
Daiwa Asset iFreeETF NIKKEI 225 (Yearly Dividend Type) (1320)	2.16
Nomura Asset NEXT FUNDS TOPIX ETF (1306)	1.96

Shareholder percentage totals can add to more than 100% because some holders are included in the free float.

Credit Saison Management

Name	Job
Hideo Suzuki	Auditor
Kazutoshi Ono	CTO, Chief Digital Officer & Director
Hiroshi Rinno	Chairman & Chief Executive Officer
Masaki Negishi	Chief Financial Officer
Kosuke Kato	Director
Naoki Nakayama	Director & Executive Officer
Kosuke Mori	Director & Senior Managing Executive Officer
Eiji Sakaguchi	Independent Outside Director
Hitoshi Yokokura	Independent Outside Director
Naoki Togashi	Independent Outside Director
Yumiko Hoshiba	Independent Outside Director
Shunji Ashikaga	Managing Executive Officer & Director
Katsumi Mizuno	President, COO & Representative Director
Naoki Takahashi	Representative Director, CHO & Vice President