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Finance

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 2020 JPYUSD
Revenue397,109M3,652.39M
Gross Profit284,286M2,614.70M
Operating income65,319M600.76M
Income before tax27,458M252.54M
Net income22,863M210.28M
EBITDA102,538M943.08M
Diluted EPS142.571.31
Dividends Per Share450.41
Total Assets3,357.22B31,098.41M
Total liabilities2,871.75B26,601.38M
Total equity484,670M4,489.55M
Operating cash flow-161,032M-1,481.08M
Currency in JPYCurrency in USD

Historical Data

 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 345,762M 351,101M 366,864M 371,839M 397,109M
Gross Profit 261,760M 272,249M 287,918M 281,722M 284,286M
Operating income 37,623M 32,169M 79,477M 74,096M 65,319M
Income before tax 48,508M 62,207M 52,850M 45,763M 27,458M
Net income 26,163M 42,253M 38,445M 30,516M 22,863M
EBITDA 57,567M 50,625M 100,109M 105,827M 102,538M
Diluted EPS 147.37 255.28 235.38 186.84 142.57
Dividends Per Share 35 35 35 45 45
Total Assets 2,550.99B 2,720.05B 2,946.97B 3,212.46B 3,357.22B
Total liabilities 2,131.99B 2,273.16B 2,456.12B 2,720.71B 2,871.75B
Total equity 418,716M 445,064M 488,883M 490,998M 484,670M
Operating cash flow -97,037M -98,660M -36,679M -190,887M -161,032M
 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 2,879.32M 3,242.30M 3,310.07M 3,353.08M 3,652.39M
Gross Profit 2,179.80M 2,514.13M 2,597.77M 2,540.44M 2,614.70M
Operating income 313.30M 297.07M 717.09M 668.16M 600.76M
Income before tax 403.94M 574.46M 476.84M 412.67M 252.54M
Net income 217.87M 390.19M 346.87M 275.18M 210.28M
EBITDA 479.38M 467.50M 903.24M 954.30M 943.08M
Diluted EPS 1.22 2.35 2.12 1.68 1.31
Dividends Per Share 0.29 0.32 0.31 0.40 0.41
Total Assets 22,696.64M 24,410.40M 27,710.17M 29,023.49M 31,098.41M
Total liabilities 18,968.80M 20,399.94M 23,094.73M 24,580.73M 26,601.38M
Total equity 3,725.39M 3,994.11M 4,596.92M 4,435.99M 4,489.55M
Operating cash flow -808.07M -911.09M -330.94M -1,721.33M -1,481.08M

Valuation Measures

Mar 2020
PER8.75
ROA0.69%
ROE4.68%
Operating margin16.44%
Profit margin5.75%

Key executives

  • Chairman & Chief Executive Officer: Hiroshi Rinno
  • President, COO & Representative Director: Masahiro Yamashita
  • Director & Chief Technology Officer: Kazutoshi Ono
  • Representative Director, VP & Head-IT Strategy: Naoki Takahashi
  • MD & Manager-Sales Promotion Business: Yoshiaki Miura

Shareholders

  • Credit Saison Co., Ltd. (15.6%)
  • Nomura Asset Management Co., Ltd. (8.6%)
  • Eastspring Investments (Singapore) Ltd. (4.4%)
  • Sompo Asset Management Co., Ltd. (4.3%)
  • Nikko Asset Management Co., Ltd. (4.3%)
  • Daiwa Securities Group Inc. (4.3%)
  • Daiwa Asset Management Co. Ltd. (3.7%)
  • Asset Management One Co., Ltd. (3.4%)
  • The Vanguard Group, Inc. (2.3%)
  • Sumitomo Mitsui Trust Asset Management Co., Ltd. (2.0%)

Contact Details

  • Website:http://www.saisoncard.co.jp
  • Address: Sunshine 60 Building, 52/F, 3-1-1 Higashi-Ikebukuro, Tokyo, 170-6073, Japan
  • Phone: +81.3.3988.2111

Related Companies

  • Credit Saison Restricted Stock Compensation Plan
  • 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.
  • 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.
  • Mizuho Financial Group, Inc. /Credit Card Issuance/
  • Vivre International, Inc.

Competitors

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