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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 2022 JPYUSD
Gross Profit269,952M2,402.29M
Operating income78,058M694.63M
Income before tax44,564M396.57M
Net income35,375M314.80M
Diluted EPS226.132.01
Dividends Per Share550.48
Total Assets3,610.77B29,748.94M
Total liabilities3,042.69B25,068.58M
Total equity562,387M4,633.46M
Operating cash flow-65,157M-579.82M
Currency in JPYCurrency in USD

Historical Data

 Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022
Revenue 366,864M 371,839M 397,109M 325,378M 362,952M
Gross Profit 287,918M 281,722M 284,286M 254,837M 269,952M
Operating income 79,477M 74,096M 75,123M 85,847M 78,058M
Income before tax 52,850M 45,763M 27,458M 45,796M 44,564M
Net income 38,445M 30,516M 22,863M 36,133M 35,375M
EBITDA 100,109M 105,827M 102,538M 113,187M 106,122M
Diluted EPS 235.38 186.84 142.57 231.01 226.13
Dividends Per Share 35 45 45 45 55
Total Assets 2,946.97B 3,212.46B 3,357.22B 3,409.24B 3,610.77B
Total liabilities 2,456.12B 2,720.71B 2,871.75B 2,877.19B 3,042.69B
Total equity 488,883M 490,998M 484,670M 530,971M 562,387M
Operating cash flow -36,679M -190,887M -161,032M -6,296M -65,157M
 Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022
Revenue 3,310.07M 3,353.08M 3,652.39M 3,067.94M 3,229.89M
Gross Profit 2,597.77M 2,540.44M 2,614.70M 2,402.82M 2,402.29M
Operating income 717.09M 668.16M 690.94M 809.43M 694.63M
Income before tax 476.84M 412.67M 252.54M 431.80M 396.57M
Net income 346.87M 275.18M 210.28M 340.69M 314.80M
EBITDA 903.24M 954.30M 943.08M 1,067.22M 944.37M
Diluted EPS 2.12 1.68 1.31 2.17 2.01
Dividends Per Share 0.31 0.40 0.41 0.42 0.48
Total Assets 27,710.17M 29,023.49M 31,098.41M 30,852.91M 29,748.94M
Total liabilities 23,094.73M 24,580.73M 26,601.38M 26,037.91M 25,068.58M
Total equity 4,596.92M 4,435.99M 4,489.55M 4,805.16M 4,633.46M
Operating cash flow -330.94M -1,721.33M -1,481.08M -59.36M -579.82M

Valuation Measures

Mar 2022
Operating margin21.50%
Profit margin9.74%

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. (7.7%)
  • Office Support KK (5.0%)
  • M&G Investment Management Ltd. (5.0%)
  • Daiwa Securities Group, Inc. (4.3%)
  • Nikko Asset Management Co., Ltd. (4.1%)
  • Sompo Asset Management Co., Ltd. (3.6%)
  • Daiwa Asset Management Co. Ltd. (3.4%)
  • 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

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  • Atrium Realty Co., Ltd.
  • Resona Card Co., Ltd. /UC Credit Card Business/
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  • Air Corp.
  • Concerto, Inc.
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  • Lawson CS Card KK
  • Saison Asset Management Co. Ltd.
  • Credit Saison Lease Receivables Trust
  • Atrium Co., Ltd.
  • Saison Fundex Corp.
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