Global business subsidiaries by geography
Global segment: lending and investment via subsidiaries in Singapore, India, Brazil, Mexico, Indonesia, etc.
97%
Source evidence · page 8
“グローバル事業············ レンディング事業及びインベストメント事業を行っております。”
Credit Saison Co., Ltd.
CSASF
$23.61
Updated: 24/09/2026, 17:45:22
Market Cap
$3.39B
Sector
Financial Services
Industry
Financial - Credit Services
Country
JP
Stock valuation chart
One-year closing share-price history for CSASF
Company Profile
Credit Saison Co., Ltd. is an extensive service provider operating within Japan and globally, with key business areas spanning finance, leasing, real estate, entertainment, and payment solutions. The company's offerings in the financial sector include credit, prepaid, and debit cards, alongside smartphone-integrated services and loan recovery. Furthermore, it delivers comprehensive payment processing and business support services for corporate clients, complemented by various marketing solutions. Its operations also encompass credit guarantees and diverse finance-related ventures, as well as the leasing of office equipment. Credit Saison is active in the real estate market, covering both general property dealings and leasing activities, alongside digital payment platforms and asset management. A distinctive part of its portfolio involves the development and management of amusement arcades. Established in 1951, the company was initially known as Seibu Credit Co., Ltd. until it adopted the name Credit Saison Co., Ltd. in October 1989. Its headquarters are located in Tokyo, Japan.
USD
OTC
CEO: Hiroshi Rinno
Employees: 6,138
Asset Summaries
Latest generated summaries for CSASF
No summaries found.
Detailed business
Evidence-backed facts extracted from the latest official annual filing.
8253.T-annual-securities-report-fy2025.pdf3.3 MBapplication/pdfJA
Business monitoring
Reported and calculated KPIs plus operational exposure disclosed in the FY 2025 filing.
Evidence-backed · 0 KPI observations
Revenue
N/A
FY — · Reported
Net income
N/A
FY — · Reported
Gross margin
N/A
FY — · Reported
Free cash flow
N/A
FY — · Reported
R&D intensity
N/A
FY — · Reported
Share repurchases
N/A
FY — · Reported
Earnings and cash generation
USD billions, directly sourced from inline XBRL; free cash flow is operating cash flow less capex.
Profitability and reinvestment
Margins and R&D as a percentage of revenue.
Geographic footprint
What the filing identifies, separated by location role so partner manufacturing is not presented as Apple-owned factories.
1 named headquarters
0 manufacturing countries
0 individually named factories
Map layer
Pins show disclosed operations. The heatmap colors the filing’s reported geographies; regional figures shade the region and are not estimates for each country.
Named headquarters Manufacturing partner country
Only locations and quantities explicitly supported by the filing are displayed. A country-level manufacturing percentage or product allocation is shown only when the source discloses it; materiality scores are never presented as production shares.
How the business makes money
Segment net revenue and business profit FY2025 vs FY2024 (JPY mn)
FY2025 consolidated net revenue ¥422,818mn (+16.9%); business profit ¥93,621mn (+30.1%); Global revenue +89.4% to ¥51,520mn.
98%
Source evidence · page 32
“計 363,754 425,203 16.9％ 71,856 94,191 31.1％”
Operations and dependencies
Employee count
6,450 consolidated employees (plus avg 3,402 temporary/dispatched); 3,624 at issuer level in FY2025/3
95%
Source evidence · page 4
“従業員数 （名） 5,623 5,562 5,840 6,138 6,450”
Positioning and strategy
Vietnam asset quality improvement alongside balance growth
Vietnam lending: growing loan balance while improving asset quality
92%
Source evidence · page 14
“また、ベトナムにおいては債権残高の拡大とともに債権の良質化に努めております”
Risks, financing, and outlook
Nature of the correction
Correction limited to treasury-share acquisition disclosure (unused-ratio figures), Part I Chapter 4 Section 2(2)
97%
Source evidence · page 2
“２ 自己株式の取得等の状況 (2）取締役会決議による取得の状況”
Material exposure graph
inflation
Revenue Exposure
Management flags continued price inflation's impact on personal consumption as a key environmental risk.
Relevance 70·Dependency 50·Confidence 90
Source evidence · page 13
“物価上昇の継続が個人消費に及ぼす影響”
Mexico
Revenue Exposure
Global lending business includes Credit Saison Mexico S.A. de C.V., SOFOM, E.N.R.
Relevance 65·Dependency 48·Confidence 90
Source evidence · page 8
“Credit Saison Mexico S.A. de C.V., SOFOM, E.N.R.”
trade_war
Geopolitical Exposure
Management cites US policy trends including trade policy as a factor requiring monitoring.
Relevance 55·Dependency 35·Confidence 85
Source evidence · page 13
“通商政策などアメリカの政策動向による影響”
interest_rates
Cost Driver
As a credit-services issuer with a rapidly expanding funded balance sheet (total assets ¥4,671bn, negative operating CF), profitability is structurally sensitive to funding costs; evidenced by the financing-reliant cash flow profile.
Relevance 50·Dependency 45·Confidence 60
Source evidence · page 4
“総資産額 （百万円） 3,409,247 3,610,778 3,896,105 4,335,852 4,671,143”
Full company information
Latest profile, trading, valuation, and identifier data stored for CSASF.
- Share price
- $23.61
- Market cap
- $3.39B
- Exchange
- OTC
- Currency
- USD
- CEO
- Hiroshi Rinno
- Employees
- 6,138
- IPO date
- 08/04/2013
- Beta
- 0.479
- Last dividend
- $0.00
- Day range
- $23.61 – $23.61
- 52-week range
- $19.89 – $25.32
- 1-day performance
- 0.00%
- 1-year performance
- 18.70%
- Current drawdown (1Y)
- -6.75%
- CIK
- N/A
- CUSIP
- N/A
- ISIN
- JP3271400008
- Created
- 07/12/2025, 03:27:44
- Last update
- 24/09/2026, 17:45:22
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Latest Database News
News linked to CSASF from your Railway `news_articles` table.
No news found for this symbol.