Company profile

Credit Saison Co.,Ltd.

EDINET
E03041
Securities
8253
Industry
Other Financing Business
Latest annual securities report
2026-08-28 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-09-16 Shelf Registration Statement PDF HTML
Compare this company

Industry position

Other Financing Business

View details
Profitability Below average Based on ROE Current Bottom 40% 5-year trend Improving
Financial strength Below average Based on Equity ratio Current Bottom 35% 5-year trend Deteriorating
Growth Above average Current Top 39% 5-year trend Improving

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · IFRS · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated IFRS

Revenue reached ¥472.77 billion, up 11.8% year over year. Net income was ¥61.73 billion, down 7.0% year over year. ROE was 8.1%; equity ratio was 15.4%; free cash flow was -¥162.6 billion.

Revenue ¥472.77B up 11.8% year over year
Operating income —
Net income ¥61.73B down 7.0% year over year
Total assets¥4.95T
Total equity¥775.54B
Operating cash flow-¥135.67B
Free cash flow-¥162.6B

Industry position details

Other Financing Business

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Below average
Based on ROE

ROE Bottom 63%

Financial strength Below average
Based on Equity ratio

Equity ratio Bottom 69%

Growth Above average

Revenue growth Top 50% / 3-year revenue CAGR Top 34%

Profitability Industry position history Improving
2026 Bottom 40% 2025 Top 42% 2024 Top 45% 2023 Bottom 33% 2022 Bottom 27%
Financial strength Industry position history Deteriorating
2026 Bottom 35% 2025 Bottom 35% 2024 Bottom 45% 2023 Bottom 46% 2022 Top 50%
Growth Industry position history Improving
2026 Top 39% 2025 Top 21% 2024 Top 35% 2023 Bottom 50% 2022 Bottom 38%
Profitability ROE 8.1% Industry median 9.5% Bottom 63% Comparison sample 35
Financial strength Equity ratio 15.4% Industry median 18.4% Bottom 69% Comparison sample 35
Growth Revenue growth +11.8% Industry median +10.1% Top 50% Comparison sample 34
Growth 3-year revenue CAGR +13.6% Industry median +7.5% Top 34% Comparison sample 30

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated IFRS 472770000000 89980000000 61728000000 61728000000 95997000000 4952181000000 775541000000 760634000000 760634000000 -135671000000 -26925000000 139061000000 -162596000000 112317000000 425.13 9.44 4013.2272 744232003088.1984 185444772 0.1535957591 0.1536 0.0811533536 0.012464811 0.1305666603 -0.2869704084 -0.3439219917 0.1181406657 -0.0302416313 -0.0703194421 0.0601647177 0.0778768787 0.4555170283 -0.7653422502 -0.5321765108 0.3850982884 -0.1942768599 0.0049879438 0.0 -0.016124031 6346
FY2025 Consolidated IFRS 422818000000 92786000000 66397000000 66397000000 66220000000 4671143000000 719028000000 705678000000 705678000000 -249174000000 -15252000000 297251000000 -264426000000 139399000000 423.02 8.34 3527.9868 654246707745.0096 185444772 0.1510718041 0.1511 0.0940896556 0.014214294 0.1570344687 -0.5893173895 -0.6253896476 0.1692846318 -0.0527401176 -0.0902900517 0.0773298996 0.0008864582 -0.1676163521 0.8221424074 0.2049136802 0.116099185 0.2818888225 -0.0663458992 0.0 0.0508308895 6450
FY2024 Consolidated IFRS 361604000000 97952000000 72987000000 72987000000 94282000000 4335852000000 717611000000 705053000000 705053000000 -213404000000 -85754000000 246699000000 -299158000000 108745000000 453.08 7.01 3176.0908 588989434257.2976 185444772 0.1626100245 0.1626 0.1035198772 0.0168333698 0.2018423469 -0.5901594009 -0.8273083262 0.1207731265 0.604613066 0.6740521572 0.1128683647 0.1784252408 -0.6404083264 -0.9566030848 0.0987057755 -0.7200896964 -0.3189433272 0.6244084325 0.0 0.0510273973 6138
FY2023 Consolidated IFRS 322638000000 61044000000 43599000000 43599000000 46325000000 3896105000000 600041000000 598301000000 598301000000 -130092000000 -43828000000 224536000000 -173920000000 159671000000 278.92 6.02 1679.0984 311380019953.5648 185444772 0.1535638798 0.1536 0.0728713474 0.0111904068 0.1351328734 -0.4032135086 -0.5390561558 0.0789955086 0.2224447293 0.2324805654 0.0790209201 0.0638599399 -0.8468221632 0.1509327961 0.7370880396 -0.4248730133 0.4652748463 0.2322509388 0.0 0.0499820209 5840
FY2022 Consolidated IFRS 299017000000 49936000000 35375000000 35375000000 38655000000 3610778000000 563738000000 562387000000 562387000000 -70441000000 -51619000000 129260000000 -122060000000 108970000000 226.35 5.76 1303.7760 241778443059.0720 185444772 0.155752306 0.1558 0.0629015251 0.0097970576 0.1183043105 -0.2355752349 -0.4082042158 0.0579991154 -0.0192281253 -0.0209509576 0.0591130534 0.0591670732 -14.0034078807 -3.8596309546 19.7646586345 -6.9689234184 0.0789002089 -0.0211468604 0.0 -0.0108483016 5562
FY2021 Consolidated IFRS 282625000000 50915000000 36132000000 36132000000 53474000000 3409247000000 532057000000 530971000000 530971000000 -4695000000 -10622000000 6225000000 -15317000000 101001000000 231.24 5.74 1327.3176 246144109703.5872 185444772 0.1557443623 0.1557 0.0680489142 0.0105982347 0.1278443167 -0.0166121185 -0.0541954887 -0.0924344112 0.8542865467 0.5803700302 0.0154943258 0.0955309798 0.9723602411 -1.3581978822 -0.9628969578 0.8907567221 -0.0798097685 0.6122150178 0.0 0.0177375566 5623
FY2020 Consolidated IFRS 311410000000 27458000000 22863000000 22863000000 11157000000 3357229000000 485476000000 484670000000 484670000000 -169864000000 29654000000 167776000000 -140210000000 109761000000 143.43 8.76 1256.4468 233001490356.1296 185444772 0.1443660829 0.1444 0.0471723028 0.0068100806 0.0734176809 -0.5454673903 -0.4502424457 0.0215020256 -0.3999956297 -0.2508110234 0.0434446804 -0.0128880362 0.1237167649 1.7269028067 -0.3073861854 0.4024488474 0.3281503352 -0.3113266433 0.0 -0.0105659026 5525
FY2019 Consolidated IFRS 304855000000 54192000000 45763000000 30517000000 30517000000 19127000000 3217448000000 497855000000 491741000000 490998000000 490998000000 -193846000000 -40795000000 242236000000 -234641000000 82642000000 208.27 7.02 1462.0554 271130530304.3688 3046.68 185444772 0.1526047973 0.1547 0.0621530027 0.0094848464 0.1777631989 0.1001033278 -0.6358629512 -0.7696806679 0.0433700797 -0.0445192799 -0.2038143442 0.0943600178 0.0214888 -2.5368194424 0.1204182837 1.1514494813 -1.3188619204 0.108440522 -0.112498402 0.0352243233 5584
FY2018 Consolidated IFRS 292183000000 40771000000 56717000000 38329000000 38329000000 39507000000 2940027000000 2459358000000 480669000000 443381000000 480669000000 -54808000000 -46380000000 112592000000 -101188000000 74557000000 234.67 7.44 1745.9448 2933.46 0.1634913557 0.163 0.0797409444 0.0130369551 0.1395392614 0.1941146473 0.1311814856 -0.1875810708 -0.3463172053 0.0474611392 0.3062185628 0.0688212569 -0.0928691454 0.0808720131 0.0756060884 0.4693261038 -1.383105539 -0.0710844169 0.1756041127 0.1794194416 -0.0928875145 0.3948797517 5394
FY2017 Consolidated IFRS 278944000000 31213000000 53065000000 42253000000 42253000000 33606000000 2720051000000 2273168000000 446882000000 410773000000 446882000000 -103280000000 -19462000000 121208000000 -122742000000 63215000000 258.7 7.68 1986.816 2724.88 0.1642917725 0.1636 0.0945506868 0.0155338999 0.1118970116 0.190235316 0.151474848 -0.3702535276 -0.4400238041 0.0334359567 -0.1470226546 0.2114743619 0.6149906356 0.066272702 0.066574699 -0.008160556 0.1856222278 -0.1304647259 0.0284940875 -0.0246555475 0.7554454774 0.0361736334 3867

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp