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Credit Saison Co.,Ltd.

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Recent & upcoming events

Aug 12
Earnings 2:00
Q1 earnings announcement (scheduled)
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Jun 16
Shareholder meeting 21:00
Shareholders' meeting
Venue: 東京プリンスホテル 2階「プロビデンスホール」 東京都港区芝公園三丁目3番1号 Details
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May 15
Earnings 2:00
FY earnings announcement (scheduled)
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Sep 27
Est.
Dividend Time TBD
Last day with rights (interim)
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Sep 28
Est.
Ex-dividend Time TBD
Ex-rights date (interim)
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Nov 13
Earnings 1:00 approx.
Q2 earnings announcement (scheduled)
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2027
Feb 12
Earnings 1:00 approx.
Q3 earnings announcement (scheduled)
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Mar 28
Est.
Dividend Time TBD
Last day with rights (year-end)
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Mar 29
Est.
Ex-dividend Time TBD
Ex-rights date (year-end)
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May 14
Est.
Earnings 2:00 approx.
Full-year earnings
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Aug 13
Est.
Earnings 2:00 approx.
Q1 earnings
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KPI highlights

FY26
Revenue ¥472.77B YoY +11.8%
Operating income —
Net income ¥61.73B YoY -7.0%
EPS ¥425 YoY +0.5%
P/E —
ROE 8.4% Equity ratio 15% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Company guidance

FY2027/03 Company-issued full-year guidance (from earnings report) / %=vs prior FY
Revenue — —
Operating income — —
Net income ¥75.50B +22.3%
EPS ¥526 +23.7%

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2021–2026）

国内機関 50.3%海外機関 8.3%未開示 41.5%202120222023202420252026
事業法人国内機関海外機関アクティビスト未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

日本マスタートラスト信託銀行㈱（信託 24.6%日本マスタートラスト信託銀行㈱（信託口）㈱日本カストディ銀行（信託口） 11.4%㈱日本カストディ銀行（信託口）㈱大和証券グループ本社 5.6%㈱大和証券グループ本社スルガ銀行㈱ 5.2%スルガ銀行㈱STATE STREET BANK 2.6%STATE STREET BANK AND TRUST COMPANY 505301STATE STREET BANK 2.3%STATE STREET BANK AND TRUST COMPANY 505001HSBC-FUND SERVICES 2.2%HSBC-FUND SERVICES HSBC - 006 MF EFM㈱みずほ銀行 2.1%㈱みずほ銀行JPモルガン証券株式会社 1.5%JPモルガン証券株式会社202120222023202420252026

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
日本マスタートラスト信託銀行㈱（信託口） 35,607,000 24.6% Yuho (EDINET)
㈱日本カストディ銀行（信託口） 16,478,000 11.4% Yuho (EDINET)
㈱大和証券グループ本社 8,050,000 5.6% Yuho (EDINET)
スルガ銀行㈱ 7,497,000 5.2% Yuho (EDINET)
STATE STREET BANK AND TRUST COMPANY 505301 3,810,000 2.6% Yuho (EDINET)
STATE STREET BANK AND TRUST COMPANY 505001 3,346,000 2.3% Yuho (EDINET)
HSBC-FUND SERVICES HSBC - 006 MF EFM 3,150,000 2.2% Yuho (EDINET)
㈱みずほ銀行 3,000,000 2.1% Yuho (EDINET)
JPモルガン証券株式会社 2,219,000 1.5% Yuho (EDINET)
HSBC HONG KONG-TREASURY SERVICES A/C ASIAN EQUITIES DERIVATIVES 1,700,000 1.2% Yuho (EDINET)

Source：EDINET（大株主の状況）　Classification inferred from disclosed names

F-Score (Piotroski)

Banks, insurers, and other financial institutions are excluded from this score, as their financial structure differs fundamentally from typical operating companies.

Fact checklist

FY26
Equity ratio 15.4%
Current ratio —
Years of positive operating CF 0 of last 10 yrs
Payout ratio 35%
Latest fiscal year result Profit (net income ¥61.73B)

Performance history

Last 10 years
0億円1,182億円2,364億円3,546億円4,728億円 FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26

Income & assets

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
Revenue 2,7892,9223,0493,1142,8262,9903,2263,6164,2284,728
Operating income 312408—7458027659431,1881,611—
Ordinary income 531567542———————
Net income 423383340229361354436730664617
Total assets 27,20129,40032,17433,57234,09236,10838,96143,35946,71149,522
Equity 4,4694,8074,9794,8475,3105,6245,9837,0517,0577,606

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

Unit: ¥100M
Item FY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
EPS ¥259¥235¥208¥143¥231¥226¥279¥453¥423¥425
ROE 9.8%8.3%7.0%4.7%7.1%6.5%7.5%11.2%9.4%8.4%
Operating CF -1,033-548-1,938-1,699-47.0-704-1,301-2,134-2,492-1,357
Investing CF -195-464-408297-106-516-438-858-153-269
Financing CF 1,2121,1262,4221,67862.31,2932,2452,4672,9731,391
FCF -1,227-1,012-2,346-1,402-153-1,221-1,739-2,992-2,644-1,626

Source: EDINET (Annual Securities Report) (fetched 2026-08-29) *Some metrics supplemented from additional sources

IR disclosure history

Timely disclosures & annual reports
Is this information incorrect?

Data provided by Twelve Data