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
Positive results in Jun 26
- DEBTORS TURNOVER RATIO(HY) Highest at 0.15 times
- RAW MATERIAL COST(Y) Fallen by -5.73% (YoY)
- PRE-TAX PROFIT(Q) Highest at JPY 43,005 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 17.72%, 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 17.72% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 43.52%
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.
17.72%
1.19
29.74%
Japan Nikkei 225
43.52%
1.48
29.43%
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
DEBTORS TURNOVER RATIO(HY)
Highest at 0.15 times
RAW MATERIAL COST(Y)
Fallen by -5.73% (YoY
PRE-TAX PROFIT(Q)
Highest at JPY 43,005 MM
NET PROFIT(Q)
Highest at JPY 32,441.97 MM
EPS(Q)
Highest at JPY 151.16
-1What is not working for the Company
NET SALES(Q)
At JPY 128,489 MM has Fallen at -5.92%
Here's what is working for Credit Saison Co., Ltd.
Debtors Turnover Ratio
Highest at 0.15 times and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Pre-Tax Profit
Highest at JPY 43,005 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 32,441.97 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 151.16
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Raw Material Cost
Fallen by -5.73% (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.
Net Sales
At JPY 128,489 MM has Fallen at -5.92%
over average net sales of the previous four periods of JPY 136,567.25 MMMOJO Watch
Near term sales trend is negative
Net Sales (JPY MM)
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