Credit Saison (CSASF) Stock Price, News & Analysis

Company Overview

Credit Saison Co., Ltd. is a Tokyo-based financial services company primarily engaged in credit card issuance and consumer lending. Established as a spin-off from Seibu Credit in 1989, Credit Saison has grown into one of Japan’s leading card issuers, offering a broad range of payment and financing solutions to individuals and corporate clients. The company’s flagship product, the Saison Card, is accepted across Visa, Mastercard and American Express networks, and is complemented by a loyalty program called “Permanent Points,” which rewards cardholders for everyday purchases and special promotions.

In addition to its core credit card business, Credit Saison provides consumer finance services that include unsecured personal loans, installment payment plans and credit guarantee products. The company has also invested in digital payment platforms, mobile wallet integration and e-commerce infrastructure, aiming to enhance customer convenience and foster long-term engagement. Its technology-driven approach encompasses data analytics and credit-scoring models designed to streamline application processes and manage risk effectively.

While Credit Saison’s operations are concentrated in Japan, the company has explored strategic partnerships and joint ventures across Asia to extend its consumer finance footprint. It collaborates with retailers, department stores and online merchants to deliver co-branded cards and tailor-made financing solutions. Through these alliances, Credit Saison seeks to leverage local market expertise and adapt its service offerings to regional consumer preferences while maintaining its commitment to regulatory compliance and corporate governance.

Key Stats

• Today's Range: C$23.61 to C$23.61
• 50-Day Range: C$23.61 to C$23.61
• 52-Week Range: C$23.61 to C$27.49
• Volume: N/A
• Average Volume: 100 shs
• Market Capitalization: N/A
• P/E Ratio: 0.16
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Credit Saison Stock Analysis - MarketRank™

Credit Saison scored higher than 33% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Credit Saison.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Credit Saison is 0.16, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.14.

Price to Earnings Ratio vs. Sector

The P/E ratio of Credit Saison is 0.16, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 29.80.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Credit Saison has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Credit Saison has recently decreased by 34.95%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Credit Saison does not currently pay a dividend.

Dividend Growth

Credit Saison does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Credit Saison is 16.60%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: N/A

News Sentiment

Credit Saison has a news sentiment score of 1.00. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.89 average news sentiment score of Financial Services companies.

Company Ownership

• Score: 0.3 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Credit Saison insiders have not sold or bought any company stock.

Percentage Held by Institutions

26.31% of the stock of Credit Saison is held by institutions.

Industry, Sector and Symbol

• Stock Exchange: OTCMKTS
• Sector: Financial Services
• Industry: Credit Services
• Sub-Industry: N/A
• Current Symbol: OTCMKTS:CSASF
• CIK: N/A
• Web: corporate.saisoncard.co.jp
• Phone: (133) 988-2111
• Fax: N/A
• Employees: 5,840
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: 0.16
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: N/A
• Price / Sales: N/A
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: N/A
• Free Float: N/A
• Market Cap: N/A
• Optionable: Not Optionable
• Beta: N/A