Credit Saison Co., Ltd.
Credit Saison Co., Ltd. Fundamental Analysis
Credit Saison Co., Ltd. (8253.T) shows moderate financial fundamentals with a PE ratio of 10.57, profit margin of 10.76%, and ROE of 8.09%. The company generates $535.4B in annual revenue with strong year-over-year growth of 17.11%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 33.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze 8253.T's fundamental strength across five key dimensions:
Efficiency Score
Weak8253.T struggles to generate sufficient returns from assets.
Valuation Score
Excellent8253.T trades at attractive valuation levels.
Growth Score
Moderate8253.T shows steady but slowing expansion.
Financial Health Score
Weak8253.T carries high financial risk with limited liquidity.
Profitability Score
Weak8253.T struggles to sustain strong margins.
Key Financial Metrics
Is 8253.T Expensive or Cheap?
P/E Ratio
8253.T trades at 10.57 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, 8253.T's PEG of -1.20 indicates potential undervaluation.
Price to Book
The market values Credit Saison Co., Ltd. at 0.82 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -24.33 times EBITDA. This is generally considered low.
How Well Does 8253.T Make Money?
Net Profit Margin
For every $100 in sales, Credit Saison Co., Ltd. keeps $10.76 as profit after all expenses.
Operating Margin
Core operations generate 26.64 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.09 in profit for every $100 of shareholder equity.
ROA
Credit Saison Co., Ltd. generates $1.17 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Credit Saison Co., Ltd. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Credit Saison Co., Ltd. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
8253.T converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.57
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.82
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.14
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
4.88
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How 8253.T Stacks Against Its Sector Peers
| Metric | 8253.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.57 | 18.66 | Better (Cheaper) |
| ROE | 8.09% | 806.00% | Weak |
| Net Margin | 10.76% | -451.00% (disorted) | Strong |
| Debt/Equity | 4.88 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.00 | 662.02 | Weak Liquidity |
| ROA | 1.17% | -24409.00% (disorted) | Weak |
8253.T outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Credit Saison Co., Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
25.88%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
194.93%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-38.96%
Industry Style: Value, Dividend, Cyclical
Declining