Credit Saison - Public Comps and Valuation Multiples

Credit Saison Overview

About Credit Saison

Credit Saison Co Ltd is a Japan-based financial services company. The company operates its business through six segments. The Entertainment segment runs amusement parks. The Finance segment covers credit guarantees and related services. The Global segment engages in lending and investments. The Leasing segment focuses on office equipment. The Payment segment centers on credit cards and related services, and the Real Estate segment includes property development and leasing activities. It generates the majority of its revenue from the Payment business segment.

Founded

1951

HQ

Employees

9.9K+

Website

corporate.saisoncard.co.jp

Sectors

Lending Solutions

Financials

LTM Revenue $3.0B

LTM EBITDA $1.1B

EV

$26.7B

Valuation Multiples

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Credit Saison Financials

As of August 2025, Credit Saison reported last 12-month revenue of $3.0B and EBITDA of $1.1B.

In the same period, Credit Saison achieved $466M in LTM net income.

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Credit Saison P&L

In the most recent fiscal year, Credit Saison reported revenue of $3.3B and EBITDA of $1.1B.

Credit Saison expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$3.0B	XXX	$3.3B	XXX	XXX	XXX
Gross Profit	n/a	XXX	$2.9B	XXX	XXX	XXX
Gross Margin	n/a	XXX	86%	XXX	XXX	XXX
EBITDA	$1.1B	XXX	$1.1B	XXX	XXX	XXX
EBITDA Margin	35%	XXX	34%	XXX	XXX	XXX
EBIT	$637M	XXX	$1.1B	XXX	XXX	XXX
EBIT Margin	21%	XXX	33%	XXX	XXX	XXX
Net Profit	$466M	XXX	$450M	XXX	XXX	XXX
Net Margin	15%	XXX	13%	XXX	XXX	XXX
Net Debt	XXX	XXX	$22.2B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Credit Saison including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $3.0B. EBITDA for the last twelve months was $1.1B. In the most recent fiscal year, Credit Saison achieved $3.3B in revenue and $1.1B in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$3.0B	Analyst estimates available to subscribers	$3.3B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$2.9B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	85.9% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$1.1B	Analyst estimates available to subscribers	$1.1B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	34.8% EBITDA margin	Analyst estimates available to subscribers	33.8% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$637M	Analyst estimates available to subscribers	$1.1B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	21.1% EBIT margin	Analyst estimates available to subscribers	32.7% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$466M	Analyst estimates available to subscribers	$450M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	15.4% net profit margin	Analyst estimates available to subscribers	13.5% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$22.2B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Credit Saison

This financial data table provides comprehensive performance metrics for Credit Saison, a company based in Japan. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Credit Saison generated $3.0B in revenue over the last twelve months.
The company achieved $1.1B in EBITDA over the last twelve months.
Net income over the last twelve months reached $466M.

Fiscal Year Performance

In the most recent fiscal year, Credit Saison reported $3.3B in total revenue.
Fiscal year EBITDA was $1.1B.
The company maintained a gross profit margin of 85.9% in the most recent fiscal year.
EBITDA margin for the fiscal year was 33.8%.
Net profit margin reached 13.5% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Credit Saison. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Credit Saison Stock Performance

Credit Saison has current market cap of JPY 567B (or $3.8B), and EV of JPY 3.94T (or $26.7B).

Market Cap Evolution

Credit Saison Stock Data

As of September 17, 2025, Credit Saison's stock price is JPY 3931 (or $27).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$26.7B	$3.8B	XXX	XXX	XXX	XXX	$2.99

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Credit Saison Valuation Multiples

Credit Saison's trades at 8.3x EV/Revenue multiple, and 24.1x EV/EBITDA.

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Credit Saison Financial Valuation Multiples

As of September 17, 2025, Credit Saison has market cap of $3.8B and EV of $26.7B.

Equity research analysts estimate Credit Saison's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Credit Saison has a P/E ratio of 8.3x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$3.8B	XXX	$3.8B	XXX	XXX	XXX
EV (current)	$26.7B	XXX	$26.7B	XXX	XXX	XXX
EV/Revenue	8.9x	XXX	8.3x	XXX	XXX	XXX
EV/EBITDA	25.4x	XXX	24.1x	XXX	XXX	XXX
EV/EBIT	42.0x	XXX	26.2x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	8.3x	XXX	8.3x	XXX	XXX	XXX
EV/FCF	n/a	XXX	-15.1x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Credit Saison Margins & Growth Rates

Credit Saison's last 12 month revenue growth is 8%

Credit Saison's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.2M for the same period.

Credit Saison's rule of 40 is 42% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Credit Saison's rule of X is 54% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Credit Saison Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	8%	XXX	1%	XXX	XXX	XXX
EBITDA Margin	35%	XXX	34%	XXX	XXX	XXX
EBITDA Growth	2%	XXX	-1%	XXX	XXX	XXX
Rule of 40	42%	XXX	42%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	54%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.3M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	53%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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