ArrowArtboardCreated with Sketch.Title ChevronTitle ChevronIcon FacebookIcon LinkedinIcon Mail ContactPath LayerIcon MailPositive ArrowIcon PrintIcon Twitter

Credit Saison Co., Ltd.

Business Summary

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. The Entertainment segment offers amusement business focusing on recreation or game halls. The company was founded on May 1, 1951 and is headquartered in Tokyo, Japan.

Financial Highlights

Mar 2021 JPYUSD
Gross Profit254,837M2,402.82M
Operating income85,847M809.43M
Income before tax45,796M431.80M
Net income36,133M340.69M
Diluted EPS231.012.17
Dividends Per Share450.42
Total Assets3,409.24B30,852.91M
Total liabilities2,877.19B26,037.91M
Total equity530,971M4,805.16M
Operating cash flow-6,296M-59.36M
Currency in JPYCurrency in USD

Historical Data

 Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021
Revenue 351,101M 366,864M 371,839M 397,109M 325,378M
Gross Profit 272,249M 287,918M 281,722M 284,286M 254,837M
Operating income 32,169M 79,477M 74,096M 75,123M 85,847M
Income before tax 62,207M 52,850M 45,763M 27,458M 45,796M
Net income 42,253M 38,445M 30,516M 22,863M 36,133M
EBITDA 50,625M 100,109M 105,827M 102,538M 113,187M
Diluted EPS 255.28 235.38 186.84 142.57 231.01
Dividends Per Share 35 35 45 45 45
Total Assets 2,720.05B 2,946.97B 3,212.46B 3,357.22B 3,409.24B
Total liabilities 2,273.16B 2,456.12B 2,720.71B 2,871.75B 2,877.19B
Total equity 445,064M 488,883M 490,998M 484,670M 530,971M
Operating cash flow -98,660M -36,679M -190,887M -161,032M -6,296M
 Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021
Revenue 3,242.30M 3,310.07M 3,353.08M 3,652.39M 3,067.94M
Gross Profit 2,514.13M 2,597.77M 2,540.44M 2,614.70M 2,402.82M
Operating income 297.07M 717.09M 668.16M 690.94M 809.43M
Income before tax 574.46M 476.84M 412.67M 252.54M 431.80M
Net income 390.19M 346.87M 275.18M 210.28M 340.69M
EBITDA 467.50M 903.24M 954.30M 943.08M 1,067.22M
Diluted EPS 2.35 2.12 1.68 1.31 2.17
Dividends Per Share 0.32 0.31 0.40 0.41 0.42
Total Assets 24,410.40M 27,710.17M 29,023.49M 31,098.41M 30,852.91M
Total liabilities 20,399.94M 23,094.73M 24,580.73M 26,601.38M 26,037.91M
Total equity 3,994.11M 4,596.92M 4,435.99M 4,489.55M 4,805.16M
Operating cash flow -911.09M -330.94M -1,721.33M -1,481.08M -59.36M

Valuation Measures

Mar 2021
Operating margin26.38%
Profit margin11.10%

Key executives

  • Chairman & Chief Executive Officer: Hiroshi Rinno
  • Executive President, COO & Representative Director: Katsumi Mizuno
  • Chief Financial Officer & Head-Accounting: Shingo Baba
  • Chief Technology & Information Officer: Kazutoshi Ono
  • Representative Director, EVP & Head-Audit: Naoki Takahashi


  • Credit Saison Co., Ltd. (15.6%)
  • Nomura Asset Management Co., Ltd. (8.6%)
  • Office Support KK (5.0%)
  • M&G Investment Management Ltd. (5.0%)
  • Sompo Asset Management Co., Ltd. (4.9%)
  • Daiwa Securities Group, Inc. (4.3%)
  • Nikko Asset Management Co., Ltd. (4.1%)
  • Daiwa Asset Management Co. Ltd. (3.5%)
  • Eastspring Investments (Singapore) Ltd. (2.7%)
  • Sumitomo Mitsui Trust Asset Management Co., Ltd. (2.4%)

Contact Details

  • Website:
  • Address: Sunshine 60 Building, 52/F, 3-1-1 Higashi-Ikebukuro, Tokyo, 170-6073, Japan
  • Phone: +81.3.3988.2111

Related Companies

  • Wine&Wine Culture Co., Ltd.
  • Saison Personalplus Co., Ltd.
  • Saison Insurance Service, Inc.
  • Credit Saison Corporation (Shanghai) Ltd.
  • CASALAGO Co., Ltd.
  • Credit Saison Restricted Stock Compensation Plan
  • Kisetsu Saison Finance (India) Pvt Ltd.
  • Saison Capital Pte Ltd.
  • Omnibus KK
  • Saison Ventures KK
  • Credit Saison Co. Ltd. (Vietnam)
  • Saison Business Consulting Co. Ltd.
  • Vietnam Saison Consulting Co. Ltd.
  • Credit Saison Asia Pacific Pte Ltd.
  • Shizugin Saison Card Co., Ltd.
  • Atrium Realty Co., Ltd.
  • Resona Card Co., Ltd. /UC Credit Card Business/
  • AIC Co. Ltd.
  • Autopia Seiyo Ltd.
  • Atrium Servicing Co. Ltd.
  • Air Corp.
  • Concerto, Inc.
  • JPN Holdings Company, Limited
  • Qubitous Co., Ltd.
  • Lawson CS Card KK
  • Saison Asset Management Co. Ltd.
  • Credit Saison Lease Receivables Trust
  • Atrium Co., Ltd.
  • Saison Fundex Corp.
  • Saison Direct Marketing Co., Ltd.


    Last Updated on 18 May, 2022

    Nikkei Asian Review, now known as Nikkei Asia, will be the voice of the Asian Century.

    Celebrate our next chapter
    Free access for everyone - Sep. 30

    Find out more