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Credit Saison Valuation Multiples
Discover revenue and EBITDA valuation multiples for Credit Saison and similar public comparables like Gentera, Sallie Mae, Samsung Card, Enova International and more.
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
Sectors
Financials (LTM)
EV
$26B
Credit Saison Financials
Credit Saison reported last 12-month revenue of $3B and EBITDA of $1B.
In the same LTM period, Credit Saison generated $1B in EBITDA and $414M in net income.
Revenue (LTM)
Credit Saison P&L
In the most recent fiscal year, Credit Saison reported revenue of $3B and EBITDA of $1B.
Credit Saison expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $3B | XXX | $3B | XXX | XXX | XXX |
| Gross Profit | — | XXX | $3B | XXX | XXX | XXX |
| Gross Margin | — | XXX | 86% | XXX | XXX | XXX |
| EBITDA | $1B | XXX | $1B | XXX | XXX | XXX |
| EBITDA Margin | 38% | XXX | 34% | XXX | XXX | XXX |
| EBIT Margin | 20% | XXX | 33% | XXX | XXX | XXX |
| Net Profit | $414M | XXX | $455M | XXX | XXX | XXX |
| Net Margin | 14% | XXX | 15% | XXX | XXX | XXX |
| Net Debt | — | — | $21B | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Credit Saison Stock Performance
Credit Saison has current market cap of $4B, and enterprise value of $26B.
Market Cap Evolution
Credit Saison's stock price is $28.50.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $26B | $4B | 0.5% | XXX | XXX | XXX | $3.17 |
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Start Free TrialCredit Saison Valuation Multiples
Credit Saison trades at 8.6x EV/Revenue multiple, and 22.5x EV/EBITDA.
EV / Revenue (LTM)
Credit Saison Financial Valuation Multiples
As of March 25, 2026, Credit Saison has market cap of $4B and EV of $26B.
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 9.9x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $4B | XXX | $4B | XXX | XXX | XXX |
| EV (current) | $26B | XXX | $26B | XXX | XXX | XXX |
| EV/Revenue | 8.6x | XXX | 8.4x | XXX | XXX | XXX |
| EV/EBITDA | 22.5x | XXX | 24.9x | XXX | XXX | XXX |
| EV/EBIT | 43.0x | XXX | 25.8x | XXX | XXX | XXX |
| EV/Gross Profit | — | XXX | 9.8x | XXX | XXX | XXX |
| P/E | 9.9x | XXX | 9.0x | XXX | XXX | XXX |
| EV/FCF | — | XXX | (15.4x) | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Credit Saison Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Credit Saison Margins & Growth Rates
Credit Saison's revenue in the last 12 month grew by 4%.
Credit Saison's revenue per employee in the last FY averaged $0.3M.
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 48% (created by Bessemer, rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
Credit Saison Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 4% | XXX | (2%) | XXX | XXX | XXX |
| EBITDA Margin | 38% | XXX | 34% | XXX | XXX | XXX |
| EBITDA Growth | 9% | XXX | 11% | XXX | XXX | XXX |
| Rule of 40 | — | XXX | 42% | XXX | XXX | XXX |
| Bessemer Rule of X | — | XXX | 48% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 53% | XXX | XXX | XXX |
| Opex to Revenue | — | XXX | 53% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Credit Saison Public Comps
See public comps and valuation multiples for other Consumer Finance comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Gentera | XXX | XXX | XXX | XXX | XXX | XXX |
| Sallie Mae | XXX | XXX | XXX | XXX | XXX | XXX |
| Samsung Card | XXX | XXX | XXX | XXX | XXX | XXX |
| Enova International | XXX | XXX | XXX | XXX | XXX | XXX |
| LIC Housing Finance | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Credit Saison M&A Activity
Credit Saison acquired XXX companies to date.
Last acquisition by Credit Saison was on XXXXXXXX, XXXXX. Credit Saison acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Credit Saison
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialCredit Saison Investment Activity
Credit Saison invested in XXX companies to date.
Credit Saison made its latest investment on XXXXXXXX, XXXXX. Credit Saison invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Credit Saison
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Credit Saison
| When was Credit Saison founded? | Credit Saison was founded in 1951. |
| Where is Credit Saison headquartered? | Credit Saison is headquartered in Japan. |
| How many employees does Credit Saison have? | As of today, Credit Saison has over 9K employees. |
| Who is the CEO of Credit Saison? | Credit Saison's CEO is Hiroshi Rinno. |
| Is Credit Saison publicly listed? | Yes, Credit Saison is a public company listed on Tokyo Stock Exchange. |
| What is the stock symbol of Credit Saison? | Credit Saison trades under 8253 ticker. |
| When did Credit Saison go public? | Credit Saison went public in 1963. |
| Who are competitors of Credit Saison? | Credit Saison main competitors are Gentera, Sallie Mae, Samsung Card, Enova International. |
| What is the current market cap of Credit Saison? | Credit Saison's current market cap is $4B. |
| What is the current revenue of Credit Saison? | Credit Saison's last 12 months revenue is $3B. |
| What is the current revenue growth of Credit Saison? | Credit Saison revenue growth (NTM/LTM) is 4%. |
| What is the current EV/Revenue multiple of Credit Saison? | Current revenue multiple of Credit Saison is 8.6x. |
| Is Credit Saison profitable? | Yes, Credit Saison is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Credit Saison? | Credit Saison's last 12 months EBITDA is $1B. |
| What is Credit Saison's EBITDA margin? | Credit Saison's last 12 months EBITDA margin is 38%. |
| What is the current EV/EBITDA multiple of Credit Saison? | Current EBITDA multiple of Credit Saison is 22.5x. |
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