8253
Credit Saison Co.,Ltd.
株式会社クレディセゾン
Other Financing Business
Credit Saison Co., Ltd. provides leasing, finance, real estate, entertainment, global, and payment services in Japan and internationally. It operates through the Payment, Lease, Finance, Real Estate-Related, Global, and Entertainment segments. The company also engages in the credit card and related business; leasing of office equipment; credit guarantee and finance related businesses; real estate and real estate leasing business; lending and investment businesses; and development and management of amusement centers and arcades. In addition, it is involved in the import and sale of lifestyle goods; cleaning, security, and property maintenance services; asset management; debt collection; personal loans; life/non-life insurance agency; online ticket system and payment services; digital lending; and offshore lending. The company was formerly known as Seibu Credit Co., Ltd. and changed its name to Credit Saison Co., Ltd. in October 1989. Credit Saison Co., Ltd. was incorporated in 1951 and is headquartered in Tokyo, Japan.
Price
¥4,093
Market Cap
¥616.1B
Ent. Value
—
Net Cash
est
—
Shares Out.
150.5M
P / E
9.7×
EV / EBIT
—
P / Book
—
P / NCAV
N/M
Div. Yield
2.93%
Financials
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| Net Sales | ¥492.2B | ¥420.3B | ¥382.5B | ¥363.0B |
| Cost of Sales | ¥69.4B | ¥58.7B | ¥59.9B | ¥63.9B |
| SG&A | ¥261.7B | ¥242.8B | ¥229.3B | ¥222.5B |
| Non-Operating Income | ¥5.7B | ¥2.9B | ¥877M | ¥989M |
| Interest Income | ¥5.7B | ¥2.9B | ¥877M | ¥965M |
| Non-Operating Expenses | ¥39.8B | ¥24.9B | ¥15.3B | ¥11.5B |
| Interest Expense | ¥37.4B | ¥23.5B | ¥14.3B | ¥10.4B |
| Pre-tax Income | ¥92.8B | ¥98.0B | ¥61.0B | ¥49.9B |
| Net Income (owners) | ¥66.4B | ¥73.0B | ¥43.6B | ¥35.4B |
| Minority Interest | ¥952M | ¥298M | ¥261M | ¥218M |
| Comprehensive Income | ¥66.2B | ¥94.3B | ¥46.3B | ¥38.7B |
| EPS | ¥423.02 | ¥453.08 | ¥278.92 | ¥226.35 |
| Shares Outstanding | 150.5M | 164.7M | 156.4M | 156.4M |
| Shares Issued (total) | 185.4M | 185.4M | 185.4M | 185.4M |
| Treasury Shares | 34.9M | 20.8M | 29.0M | 29.1M |
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥4,671.1B | ¥4,335.9B | ¥3,896.1B | ¥3,610.8B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash & Deposits | ¥139.4B | ¥108.7B | ¥159.7B | ¥109.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥29.3B | ¥30.3B | ¥28.8B | ¥30.3B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Goodwill | ¥1.2B | ¥1.7B | ¥1.7B | ¥1.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | ¥127.1B | ¥138.6B | ¥150.5B | ¥162.3B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | ¥40.1B | ¥34.3B | ¥41.6B | ¥41.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥3,952.1B | ¥3,618.2B | ¥3,296.1B | ¥3,047.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | ¥378M | ¥188M | ¥86M | ¥974M | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥719.0B | ¥717.6B | ¥600.0B | ¥563.7B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | ¥93.9B | ¥93.2B | ¥83.6B | ¥85.2B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥602.9B | ¥542.6B | ¥481.2B | ¥442.6B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | ¥-96.4B | ¥-47.8B | ¥-62.7B | ¥-62.7B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | ¥29.3B | ¥41.1B | ¥20.3B | ¥21.5B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥705.7B | ¥705.1B | ¥598.3B | ¥562.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | ¥13.3B | ¥12.6B | ¥1.7B | ¥1.4B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Cash ⓘ | ¥139.4B | ¥108.7B | ¥159.7B | ¥109.0B | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | ¥4,688 | ¥4,282 | ¥3,825 | ¥3,596 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|
| Operating CF | ¥-249.2B | ¥-213.4B | ¥-130.1B | ¥-70.4B |
| D&A | ¥33.6B | ¥32.7B | ¥31.5B | ¥29.8B |
| Investing CF | ¥-15.3B | ¥-85.8B | ¥-43.8B | ¥-51.6B |
| Purchase Investments | ¥-902M | ¥-22.0B | ¥-4.8B | ¥-6.2B |
| Financing CF | ¥297.3B | ¥246.7B | ¥224.5B | ¥129.3B |
| Free Cash Flow | ¥-249.2B | ¥-213.4B | ¥-130.1B | ¥-70.4B |
| Net Change in Cash | ¥30.7B | ¥-50.9B | ¥50.7B | ¥8.0B |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 11
| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 |
The Master Trust Bank of Japan, Ltd. (Trust Account)
日本マスタートラスト信託銀行㈱(信託口)
|
38,194 | 25.37% |
| 2 |
Japan Custody Bank
㈱日本カストディ銀行(信託口)
|
15,241 | 10.13% |
| 3 | スルガ銀行㈱ | 8,224 | 5.46% |
| 4 |
Daiwa Securities Group Inc.
㈱大和証券グループ本社
|
8,050 | 5.35% |
| 5 |
State Street Bank and Trust Company
STATE STREET BANK AND TRUST COMPANY 505001
|
3,963 | 2.63% |
| 6 |
State Street Bank and Trust Company
STATE STREET BANK AND TRUST COMPANY 505301
|
3,850 | 2.56% |
| 7 |
Mizuho Bank
㈱みずほ銀行
|
3,000 | 1.99% |
| 8 | JPモルガン証券㈱ | 2,327 | 1.55% |
| 9 |
HSBC BANK PLC A/C M AND G (ACS) VALUE PARTNERS CHINA EQUITY FUND
HSBC BANK PLC A/C M AND G (ACS) VALUE PARTNERS CHINA EQUITY FUND
|
2,209 | 1.47% |
| 10 |
State Street Bank and Trust Company
STATE STREET BANK AND TRUST COMPANY 505223
|
2,181 | 1.45% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
35.5%
+0.3% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
6.6%
-0.3% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
15.8%
+0.3% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 58.0% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 Activist | 2024 | 2025 |
|---|---|---|---|---|
| 日本マスタートラスト信託銀行 | 23.85% | 24.81% | 25.37% +0.56% | |
| Japan Custody Bank 日本カストディ銀行 | 12.42% | 10.39% | 10.13% -0.26% | |
| State Street | 3.68% | 5.05% | 6.64% +1.59% | |
| スルガ銀行 | — | 5.00% | 5.46% +0.46% | |
| Daiwa Securities Group Inc. ㈱大和証券グループ本社 | 5.15% | 4.89% | 5.35% +0.46% | |
| Mizuho Bank みずほ銀行 | 1.92% | 1.82% | 1.99% +0.17% | |
| JPモルガン証券 NEW ENTRY | — | — | — | 1.55% NEW |
| HSBC BANK PLC A/C M AND G (ACS) VALUE PARTNERS CHINA EQUITY FUND | — | 2.43% | 1.47% -0.96% | |
| JP Morgan last seen 2024 | Exited Top 10 | — | 1.91% | — |
| BNYMSANV AS AGENT/CLIENTS LUX UCITS NON TREATY 1 BNYMSANV AS AGENT/CLIENTS LUX UCITS NON TREATY 1 last seen 2024 | Exited Top 10 | 4.58% | 1.39% | — |
| HSBC BANK PLC A/C M AND G (ACS) last seen 2023 | Exited Top 10 | 4.67% | — | — |
| ㈱セブン&アイ・ホールディングス last seen 2023 | Exited Top 10 | 1.31% | — | — |
| City Index Eleventh Activist last seen 2023 | Exited Top 10 | 3.18% | — | — |
| Concentration (HHI) ⓘ | 821 | 813 | 857 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved
Portfolio Book Value
¥35,209M
-28% since 2023
Holdings
20
+2 new
12 exited
Trend
2 unwinding
vs 2023
| Held Company | FY2025 ¥35,209M total | FY2023 ¥49,211M total | |||
|---|---|---|---|---|---|
| Book Val ¥M | Shares | Book Val ¥M | Shares | ||
|
Mitsui Fudosan Co., Ltd.
三井不動産㈱
|
7,120 |
+200.0%
↑
5,352,000
|
4,431 | 1,784,000 | M |
|
RYOHIN KEIKAKU CO.,LTD.
㈱良品計画
|
5,381 |
1,325,100
|
1,992 | 1,325,100 | M |
|
SEIBU HOLDINGS INC.
㈱西武ホールディングス
|
4,808 |
1,456,200
|
1,978 | 1,456,200 | |
|
Takashimaya Company,Limited
㈱髙島屋
|
4,002 |
+100.0%
↑
3,308,000
|
3,197 | 1,654,000 | M |
|
Daiwa Securities Group Inc.
大和証券グループ本社㈱
|
3,901 |
NEW
New
3,925,800
|
— | M | |
|
Digital Garage, Inc.
㈱デジタルガレージ
|
2,199 |
-27.2%
↓
477,100
|
2,853 | 655,200 | |
|
Mizuho Financial Group, Inc.
㈱みずほフィナンシャルグループ
|
1,848 |
456,306
|
856 | 456,306 | |
| Ten Lifestyle Group PLC | 1,039 |
+36.4%
↑
8,009,000
|
767 | 5,870,000 | |
|
Sumitomo Mitsui Financial Group, Inc.
㈱三井住友フィナンシャルグループ
|
976 |
+200.0%
↑
257,400
|
454 | 85,800 | |
|
MEDIA DO Co., Ltd.
㈱メディアドゥ
|
773 |
466,600
|
658 | 466,600 | |
|
Kyushu Railway Company
九州旅客鉄道㈱
|
730 |
200,000
|
589 | 200,000 | |
|
譬ェ蠑丈シ夂、セ�ショ�ス擾シ趣シ�
㈱No.1
|
654 |
360,000
|
414 | 360,000 | |
|
Sumitomo Mitsui Trust Group, Inc.
三井住友トラストグループ㈱ (注)4
|
611 |
NEW
New
164,496
|
— | ||
|
Sompo Holdings, Inc.
SOMPOホールディングス㈱
|
461 |
+200.0%
↑
102,000
|
178 | 34,000 | |
|
Mitsubishi UFJ Financial Group, Inc.
㈱三菱UFJフィナンシャル・グループ
|
385 |
191,600
|
162 | 191,600 | |
|
Mizuho Leasing Company, Limited
みずほリース㈱
|
196 |
-45.9%
↓
188,000
|
1,219 | 347,500 | M |
|
Resona Holdings, Inc.
㈱りそなホールディングス
|
71 |
55,300
|
35 | 55,300 | |
|
The Musashino Bank, Ltd.
㈱武蔵野銀行
|
30 |
9,500
|
21 | 9,500 | M |
|
譬ェ蠑丈シ夂、セ繧キ繝シ繝ゥ繝�繧ッ繝弱Ο繧ク繝シ繧コ
㈱シーラテクノロジーズ
|
24 |
800
|
77 | 800 | |
|
Shizuoka Financial Group, Inc.
㈱しずおかフィナンシャルグループ
|
— | — | |||
|
Seven & i Holdings Co., Ltd.
㈱セブン&アイ・ホールディングス
|
— |
−100%
Exit
—
|
20,466 | 3,425,400 | M |
|
譬ェ蠑丈シ夂、セ繝薙ず繝ァ繝ウ
㈱ビジョン
|
— |
−100%
Exit
—
|
868 | 542,400 | |
|
GENOVA,Inc.
㈱GENOVA
|
— |
−100%
Exit
—
|
470 | 340,000 | |
|
PRESSANCE CORPORATION
㈱プレサンスコーポレーション
|
— |
−100%
Exit
—
|
139 | 78,200 | |
|
Writeup Co.,Ltd.
㈱ライトアップ
|
— |
−100%
Exit
—
|
54 | 58,060 | |
|
Dai Nippon Printing Co.,Ltd.
大日本印刷㈱
|
— |
−100%
Exit
—
|
37 | 10,000 | M |
| GRAB HOLDINGS LIMITED | — |
−100%
Exit
—
|
2,721 | 6,771,368 | |
|
Daiwa Securities Group Inc.
㈱大和証券グループ本社
|
— |
−100%
Exit
—
|
2,437 | 3,925,800 | M |
|
繝悶Ο繝シ繝峨�槭う繝ウ繝画ェ蠑丈シ夂、セ
ブロードマインド㈱
|
— |
−100%
Exit
—
|
1,063 | 1,000,000 | |
|
Shizuoka Financial Group, Inc.
㈱しずおかフィナンシャルグループ (注4)
|
— |
−100%
Exit
—
|
383 | 403,000 | |
| 三井住友トラスト・ホールディングス㈱ | — |
−100%
Exit
—
|
373 | 82,248 | |
|
Yamaguchi Finacial Group,Inc.
㈱山口フィナンシャルグループ
|
— |
−100%
Exit
—
|
319 | 393,000 | |
| Portfolio total | 35,209 | 49,211 | |||
Book value in ¥M · ↓ reduced · ↑ increased vs prior year · M = mutual holding