Credit Saison Co., Ltd. (8253) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Mitsubishi HC Capital Inc.

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Credit Saison Co., Ltd.

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AEON Financial Service Co., Ltd.

Tokyo Century Corp.

Orient Corp.

Fuyo General Lease Co., Ltd.

Marui Group Co., Ltd.

Why is Credit Saison Co., Ltd. ?

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 11.88%

Positive results in Dec 25

DEBTORS TURNOVER RATIO(HY) Highest at 0.14 times
RAW MATERIAL COST(Y) Fallen by -1.86% (YoY)
INVENTORY TURNOVER RATIO(HY) Highest at 0.74 times

With ROE of 9.54%, it has a very attractive valuation with a 1.09 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 9.97%, its profits have fallen by -8%
At the current price, the company has a high dividend yield of 0

Underperformed the market in the last 1 year

The stock has generated a return of 9.97% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 36.73%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Credit Saison Co., Ltd. should be less than 10%
Overall Portfolio exposure to Finance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Credit Saison Co., Ltd. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Credit Saison Co., Ltd.

9.97%

0.55

38.96%

Japan Nikkei 225

36.73%

1.30

28.24%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

4.40%

EBIT Growth (5y)

10.54%

EBIT to Interest (avg)

6.59

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

31.89%

Dividend Payout Ratio

28.37%

Pledged Shares

Institutional Holding

0.02%

ROCE (avg)

22.06%

ROE (avg)

11.88%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.09

EV to EBIT

5.14

EV to EBITDA

4.03

EV to Capital Employed

1.11

EV to Sales

1.27

PEG Ratio

Dividend Yield

0.01%

ROCE (Latest)

21.55%

ROE (Latest)

9.54%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

Bullish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

DEBTORS TURNOVER RATIO(HY)

Highest at 0.14 times

RAW MATERIAL COST(Y)

Fallen by -1.86% (YoY

INVENTORY TURNOVER RATIO(HY)

Highest at 0.74 times

NET SALES(Q)

Highest at JPY 148,721 MM

-3What is not working for the Company

ROCE(HY)

Lowest at 7.91%

CASH AND EQV(HY)

Lowest at JPY 177,336 MM

Here's what is working for Credit Saison Co., Ltd.

Debtors Turnover Ratio

Highest at 0.14 times and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Net Sales

Highest at JPY 148,721 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Net Sales

At JPY 148,721 MM has Grown at 12.26%

over average net sales of the previous four periods of JPY 132,480.25 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Inventory Turnover Ratio

Highest at 0.74 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its inventory faster

Inventory Turnover Ratio

Raw Material Cost

Fallen by -1.86% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Credit Saison Co., Ltd.

Cash and Eqv

Lowest at JPY 177,336 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents