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Credit Saison Co Ltd CSASF

Morningstar Rating
$15.80 +2.41 (18.00%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

CSASF is trading at a 21% discount.
Price
$15.82
Fair Value
$49.36
Uncertainty
High
1-Star Price
$31.94
5-Star Price
$88.41
Economic Moat
Yxfsw
Capital Allocation
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Trading Information

Previous Close Price
$13.39
Day Range
$15.8015.80
52-Week Range
$12.5415.80
Bid/Ask
$17.31 / $18.92
Market Cap
$2.47 Bil
Volume/Avg
100 / 100

Key Statistics

Price/Earnings (Normalized)
5.63
Price/Sales
0.86
Dividend Yield (Trailing)
3.13%
Dividend Yield (Forward)
0.04%
Total Yield
3.13%

Company Profile

Credit Saison Co Ltd is a consumer finance company operating primarily in Japan. Saison operates in five reportable business segments: credit services, leasing, finance, real estate, and entertainment. Of these, credit services make up the vast majority of revenue. The company is one of Japan's leading card companies. The company issues Visa, MasterCard, American Express, and affinity cards carrying the Saison brand to a multitude of cardholders. Saison also provides insurance and asset management. The company is affiliated with the Mizuho Financial Group.
Sector
Financial Services
Industry
Credit Services
Stock Style Box
Mid Value
Total Number of Employees
9,509

Comparables

Valuation

Metric
CSASF
8346
8410
Price/Earnings (Normalized)
5.6311.7616.26
Price/Book Value
0.560.431.20
Price/Sales
0.861.662.47
Price/Cash Flow
4.436.279.37
Price/Earnings
CSASF
8346
8410

Financial Strength

Metric
CSASF
8346
8410
Quick Ratio
11.75
Current Ratio
12.24
Interest Coverage
4.64
Quick Ratio
CSASF
8346
8410

Profitability

Metric
CSASF
8346
8410
Return on Assets (Normalized)
2.35%0.13%1.84%
Return on Equity (Normalized)
14.97%4.41%11.11%
Return on Invested Capital (Normalized)
3.15%
Return on Assets
CSASF
8346
8410
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Credit Services Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
V
Visa Inc Class ALbpfyvzwHbk$563.0 Bil
MA
Mastercard Inc Class ATjzfqhbjsXkqw$431.1 Bil
AXP
American Express CoWbjmcbjCfrc$170.5 Bil
PYPL
PayPal Holdings IncStwhvwqtScbpq$67.8 Bil
COF
Capital One Financial CorpBpcymvkbGxbcj$56.6 Bil
DFS
Discover Financial ServicesHxrqrwpnZsjdx$32.3 Bil
SYF
Synchrony FinancialNhjrhsqtHkvk$17.4 Bil
ALLY
Ally Financial IncNyfgygfrJtvc$11.9 Bil
SOFI
SoFi Technologies Inc Ordinary SharesSvscwgxbTjglm$8.0 Bil
WU
The Western Union CoCphtsnmktMrskhss$4.5 Bil

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