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Japanese credit card issuer and consumer finance company, part of the Saison retail group, also active in real estate finance.
Japanese credit card issuer and consumer finance company, part of the Saison retail group, also active in real estate finance.
Earns fees from shops each time a customer pays by Credit Saison card, interest and fees on loans and instalment plans, and commissions on loan guarantees. Co-branded cards with retail partners tied to the Saison group give it distribution. It has been building lending businesses in India and Southeast Asia.
In one line: A smaller Japanese Synchrony Financial/Discover.
Moat: narrow (scale, distribution, brand). Large cardholder base and retail-partner network built over decades.
Headquarters: Tokyo, Japan · Founded: 1951 · Employees: 6,346
Size Credit Saison (8253.T) is a Japan Financials company (Finance/Rental/Leasing) with a market value of $3.62B, the 315th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥3,939 on 6 Nov 2026.
Performance Over six months the shares fell 9.6%, against -10.8% for the median peer and +1.8% for the Japan market (cap-weighted) — 11th highest of 21 in its peer set.
Growth Revenue grew 10.5% over the last twelve months (peer median +7.4%); the operating margin is 28.0% (peer median 29.5%).
Valuation It trades at 0.73× book value against a peer median of 1.42× (5th cheapest of 20).
Price implies The share price implies a return on equity of about 6.3%; Credit Saison delivers 9.2%, so the price asks less than the business earns today.
Next results Next results expected around 13 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥552B | ¥546B | ¥492B | ¥424B | ¥383B |
| Revenue growth | — | +11% | +16% | +11% | — |
| Gross profit | ¥432B | ¥440B | ¥389B | ¥334B | ¥292B |
| EBITDA | ¥189B | ¥231B | ¥190B | ¥158B | ¥128B |
| Net income | ¥67.4B | ¥61.7B | ¥66.4B | ¥73.0B | ¥43.6B |
| Free cash flow | n/a | -¥149B | -¥253B | -¥217B | -¥137B |
| Capital expenditure | n/a | ¥18.1B | ¥20.8B | ¥19.3B | ¥15.6B |
| Total debt | ¥3.67T | ¥3.58T | ¥3.40T | ¥3.05T | ¥2.80T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Credit Saison 8253.T | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% |
| ACOM 8572.T | $4.38B | -12% | +7% | 9% | 0.96× | 5.6% |
| AEON Financial Service 8570.T | $1.95B | -9% | +8% | 5% | 0.67× | 5.2% |
| Jaccs 8584.T | $935M | -19% | +2% | 6% | 0.49× | 3.8% |
| Marui 8252.T | $3.09B | -7% | +8% | 12% | 2.12× | 7.1% |
| Rakuten 4755.T | $8.59B | -18% | +11% | -7% | 1.48× | 9.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 8253.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -10.1% | +1.2% | 3rd lowest of 21 |
| 6-month return | -9.6% | -10.8% | 11th highest of 21 |
| Return on equity | 9.2% | 13.8% | 7th lowest of 20 |
| Price / book | 0.73× | 1.42× | 5th cheapest of 20 |
| Trailing P/E | 8.4× | 11.8× | 6th cheapest of 18 |
| ROE the price implies | 6.3% | 13.8% | 4th least demanding of 20 |
| ROE delivered | 9.2% | 14.3% | 5th lowest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Credit Saison 8253.T | Japan | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% | 9.2% |
| Sixt SIX2.DE | Germany | $3.67B | +4% | +7% | 15% | 1.67× | 15.8% | 15.0% |
| Far East Horizon 3360.HK | Hong Kong | $3.44B | -25% | +1% | 8% | 0.45× | 4.5% | 7.6% |
| WillScot WSC | United States | $3.42B | -33% | -3% | -7% | 3.75× | 35.8% | -7.1% |
| PennyMac Financial Services PFSI | United States | $3.41B | -28% | +4% | 6% | 0.78× | 10.2% | 5.6% |
| Bread Financial BFH | United States | $3.87B | +17% | +2% | 16% | 1.13× | 12.2% | 15.9% |
| Housing & Urban Development HUDCO.NS | India | $3.39B | -30% | +22% | 22% | 1.39× | 31.5% | 21.7% |
| Indian Renewable Energy Development Agency IREDA.NS | India | $3.31B | -18% | +17% | 14% | 2.18× | 42.4% | 14.4% |
| Samsung Card 029780.KS | South Korea | $3.30B | -21% | +11% | 7% | 0.51× | 4.2% | n/a |
| GMO Payment Gateway 3769.T | Japan | $3.98B | +6% | +13% | 22% | 5.02× | 32.4% | 21.5% |
| Manappuram Finance MANAPPURAM.NS | India | $3.23B | +3% | +5% | 7% | 1.90× | 33.0% | n/a |
| Mahindra & Mahindra Financial Services M&MFIN.NS | India | $4.12B | -15% | +15% | 14% | 1.41× | 23.7% | 13.8% |
| Avis Budget CAR | United States | $4.20B | -18% | -1% | n/a | n/a | n/a | n/a |
| LIC Housing Finance LICHSGFIN.NS | India | $3.12B | -9% | -1% | 14% | 0.67× | 11.6% | 14.3% |
| Enova International ENVA | United States | $4.22B | -1% | +20% | 27% | 2.72× | 26.6% | 26.8% |
| SLM SLM | United States | $3.10B | -25% | -6% | 25% | 1.55× | 13.8% | 24.7% |
| Marui 8252.T | Japan | $3.09B | -7% | +8% | 12% | 2.12× | 7.1% | 12.4% |
| Hercules Capital HTGC | United States | $3.06B | 0% | +40% | 16% | 1.32× | 10.4% | 15.7% |
| McGrath RentCorp MGRC | United States | $3.05B | +9% | +2% | 13% | 2.38× | 13.2% | 12.9% |
| PNB Housing Finance PNBHOUSING.NS | India | $3.03B | +5% | +11% | 12% | 1.42× | 19.4% | 12.3% |
| Blue Owl Technology Finance OTF | United States | $4.36B | -13% | +95% | 5% | 0.58× | 4.9% | 4.8% |