Credit Saison Co Ltd
TSE:8253
Intrinsic Value
Credit Saison Co., Ltd. engages in the provision of consumer credit and finance services. [ Read More ]
The intrinsic value of one
Credit Saison Co Ltd
stock under the Base Case scenario is
10 887.25
JPY.
Compared to the current market price of 2 928.5 JPY,
Credit Saison Co Ltd
is
Undervalued by 73%.
Credit Saison Co Ltd could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
Credit Saison Co Ltd's market capitalization is 477.8B JPY.
Credit Saison Co Ltd stock price is 2 928.5 JPY.
Credit Saison Co Ltd stock price (2928.5 JPY) is 73% less than its Intrinsic Value (10 887.25 JPY).
Credit Saison Co Ltd stock price (2928.5 JPY) is 66% less than its DCF Value (8 515.74 JPY). Open DCF Valuation
Credit Saison Co Ltd stock price (2928.5 JPY) is 78% less than its Relative Value (13 258.75 JPY). Open Relative Valuation
Credit Saison Co Ltd has downside potential of 2% compared to the average analyst price target.
Open Wall St Estimates
Credit Saison Co Ltd's ROIC (Return on Invested Capital) has increased in the last 3 years from 2% to 2%.
Credit Saison Co Ltd's ROE (Return on Equity) for the past 12 months is positive and is equal to 9%.
Credit Saison Co Ltd has positive Net Income for the last twelve months.
Credit Saison Co Ltd's Revenue is forecast to grow at a rate of 3% per year over the next 3 years.
Credit Saison Co Ltd's ROE (Return on Equity) has increased in the last 3 years from 7% to 9%.
Credit Saison Co Ltd's Revenue has grown by 9% over the past 12 months.
Credit Saison Co Ltd's long-term assets (4T JPY) exceed its long-term liabilties (4T JPY).
Credit Saison Co Ltd's Revenue has been growing by 6% per year for the last 3 years.
Credit Saison Co Ltd has positive three-year average ROE (Return on Equity): 7%. The company is efficient at transforming stockholders' equity into net income.
Credit Saison Co Ltd's ROIC (Return on Invested Capital) for the past 12 months is very low and is equal to 2%.
Credit Saison Co Ltd has positive Operating Income for the last twelve months.
Credit Saison Co Ltd has a very low three-year average ROIC (Return on Invested Capital): 2%. The company is not efficient at using invested capital to generate operating income.
Credit Saison Co Ltd has positive Gross Profit for the last twelve months.
Credit Saison Co Ltd's Altman Z-Score is very low and is equal to 1.31.
Credit Saison Co Ltd has negative Free Cash Flow for the last twelve months.
Credit Saison Co Ltd generates enough operating income (110B JPY) to cover interest payments on its debt (20B JPY).
Credit Saison Co Ltd has positive Net Debt. This means that the company has more debt (3T JPY) than cash and short-term investments (116B JPY).
Credit Saison Co Ltd's short-term assets (4T JPY) exceed its short-term liabilties (291B JPY).
Credit Saison Co Ltd's D/E (Debt to Equity) is very high and is equal to 4.63.
Valuation Backtest
Credit Saison Co Ltd
Run backtest to discover the historical profit from buying and selling
Credit Saison Co Ltd
stocks based on their intrinsic value.
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Fundamental Analysis
Credit Saison Co Ltd
Balance Sheet Decomposition
Credit Saison Co Ltd
| Current Assets | 3.6T |
| Cash & Short-Term Investments | 116.5B |
| Receivables | 3.3T |
| Other Current Assets | 144B |
| Non-Current Assets | 710.5B |
| Long-Term Investments | 467.6B |
| PP&E | 46.1B |
| Intangibles | 141.2B |
| Other Non-Current Assets | 55.7B |
| Current Liabilities | 291.4B |
| Accounts Payable | 282.3B |
| Other Current Liabilities | 9.2B |
| Non-Current Liabilities | 3.3T |
| Long-Term Debt | 3.1T |
| Other Non-Current Liabilities | 227.1B |
Earnings Waterfall
Credit Saison Co Ltd
|
Revenue
|
405.6B
JPY
|
|
Cost of Revenue
|
-56.3B
JPY
|
|
Gross Profit
|
349.3B
JPY
|
|
Operating Expenses
|
-239.3B
JPY
|
|
Operating Income
|
110B
JPY
|
|
Other Expenses
|
-49.6B
JPY
|
|
Net Income
|
60.4B
JPY
|
Free Cash Flow Analysis
Credit Saison Co Ltd
Profitability Score
Profitability Due Diligence
Credit Saison Co Ltd's profitability score is 49/100. The higher the profitability score, the more profitable the company is.
Score
Credit Saison Co Ltd's profitability score is 49/100. The higher the profitability score, the more profitable the company is.
Solvency Score
Solvency Due Diligence
Credit Saison Co Ltd's solvency score is 33/100. The higher the solvency score, the more solvent the company is.
Score
Credit Saison Co Ltd's solvency score is 33/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
Price Targets Summary
Credit Saison Co Ltd
According to Wall Street analysts, the average 1-year price target for
Credit Saison Co Ltd
is 2 862.38 JPY
with a low forecast of 1 212 JPY and a high forecast of 4 200 JPY.
Shareholder Return
Price
Credit Saison Co Ltd
| Average Annual Return | 11.88% |
| Standard Deviation of Annual Returns | 34.55% |
| Max Drawdown | -48% |
| Market Capitalization | 477.8B JPY |
| Shares Outstanding | 163 147 920 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
Credit Saison Co Ltd
Country
Industry
Market Cap
Dividend Yield
Description
Credit Saison Co., Ltd. engages in the provision of consumer credit and finance services. The company is headquartered in Toshima, Tokyo-To and currently employs 5,623 full-time employees. The firm operates in five business segments. The Payment segment provides credit card and servicer services. The Lease segment is engaged in the leasing business. The Finance segment provides credit guarantee business and other finance-related business. The Real Estate-related segment is engaged in real estate, real estate leasing, and asset recovery businesses. The Entertainment segment is engaged in the operation of amusement business.
Contact
IPO
Employees
Officers
The intrinsic value of one
Credit Saison Co Ltd
stock under the Base Case scenario is
10 887.25
JPY.
Compared to the current market price of 2 928.5 JPY,
Credit Saison Co Ltd
is
Undervalued by 73%.
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