ScoreWhy is Credit Saison Co., Ltd. ?
1
Weak Long Term Fundamental Strength with a 10.90% CAGR growth in Net Sales
2
Poor long term growth as Net Sales has grown by an annual rate of 10.90%
3
Flat results in Mar 26
- ROCE(HY) Lowest at 8.42%
- CASH AND EQV(HY) Lowest at JPY 212,656 MM
4
With ROE of 8.23%, it has a very attractive valuation with a 0.91 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 18.11%, its profits have fallen by -7%
- At the current price, the company has a high dividend yield of 0
5
Underperformed the market in the last 1 year
- The stock has generated a return of 18.11% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 59.79%
Real-Time Research ReportHow 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?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Credit Saison Co., Ltd.
18.11%
1.19
31.84%
Japan Nikkei 225
59.79%
2.03
29.50%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.90%
EBIT Growth (5y)
18.35%
EBIT to Interest (avg)
5.60
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
35.70%
Dividend Payout Ratio
30.58%
Pledged Shares
0
Institutional Holding
0.02%
ROCE (avg)
23.78%
ROE (avg)
11.89%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.91
EV to EBIT
2.95
EV to EBITDA
2.50
EV to Capital Employed
0.89
EV to Sales
1.06
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
30.29%
ROE (Latest)
8.23%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at JPY 0.15
RAW MATERIAL COST(Y)
Fallen by 0.55% (YoY
-3What is not working for the Company
ROCE(HY)
Lowest at 8.42%
CASH AND EQV(HY)
Lowest at JPY 212,656 MM
Here's what is working for Credit Saison Co., Ltd.
Dividend per share
Highest at JPY 0.15 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Raw Material Cost
Fallen by 0.55% (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 212,656 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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