Credit Saison Co., Ltd.

OTCPK:CSASY

Japón / Fundamental / Financiación al consumo

Visión general

Dividendos

Finanzas históricas a 5 años

Precio

15.61 USD


Key Metrics	Latest
Total Revenue	476.2 B
Adjusted EBITDA	134.5 B
EBITDA Margin	28.2%
Net Profit Margin	13.3%
Total Assets	4,720.4 B
Total Debt	3,439.1 B

5Y Historical Financial Statements

Summary Financials


Summary Financials

	Fiscal Year Ending					Latest	Year-to-date Ending
(in millions)	Mar-20	Mar-21	Mar-22	Mar-23	Mar-24	12 Months	Dec-23	Dec-24

Revenue	397,112.00	325,381.00	362,955.00	382,537.00	420,314.00	476,166.00	312,456.00	368,308.00
% Growth		(0.18)	0.12	0.05	0.10			0.18

Adjusted EBITDA	53,269.00	65,737.00	70,266.00	74,970.00	88,601.00	134,450.75	73,207.00	119,056.75
% Margin	0.13	0.20	0.19	0.20	0.21	0.28	0.23	0.32

Adjusted EBIT	24,654.00	37,113.00	40,441.00	43,488.00	55,932.00	101,679.00	48,808.00	94,555.00
% Margin	0.06	0.11	0.11	0.11	0.13	0.21	0.16	0.26

Adjusted Net Income	27,218.94	31,547.00	35,009.14	39,131.40	68,847.96	63,402.96	62,397.00	56,952.00
% Margin	0.07	0.10	0.10	0.10	0.16	0.13	0.20	0.15

Adjusted Basic EPS	170.76	201.90	224.01	250.33	427.39	397.46	388.81	358.39

Cálculos de apoyo

Income Statement

Balance Sheet

Statement of Cashflows


Income Statement
						Press Release
JPY	Fiscal Year Ending					Latest	Year-to-date Ending
(in millions)	Mar-20	Mar-21	Mar-22	Mar-23	Mar-24	Dec-24	Dec-23	Dec-24
	FY - 4	FY - 3	FY - 2	FY - 1	FY	LTM	YTD-1	YTD

Revenue	397,112	325,381	362,955	382,537	420,314	476,166	312,456	368,308
% Growth	NA	-18.1%	11.5%	5.4%	9.9%			17.9%

Cost of Revenue	(135,548)	(85,888)	(99,973)	(109,727)	(121,604)	(88,365)	(88,096)	(54,857)
Gross Profit	261,564	239,493	262,982	272,810	298,710	387,801	224,360	313,451
% Revenue	65.9%	73.6%	72.5%	71.3%	71.1%	81.4%	71.8%	85.1%

Research and Development	0	0	0	0	0	0	0	0
Selling and Marketing	(39,840)	(37,362)	(40,448)	(48,984)	(48,515)	(48,515)	0	0
General and Admin	(159,435)	(138,419)	(140,413)	(150,830)	(161,642)	(174,285)	(175,552)	(188,195)
Other Inc / (Exp)	(36,259)	(13,986)	(33,391)	(13,150)	8,126	(42,575)	34,966	(15,735)
Total Operating Exp	(235,534)	(189,767)	(214,252)	(212,964)	(202,031)	(265,375)	(140,586)	(203,930)

Operating Income	26,030	49,726	48,730	59,846	96,679	122,426	83,774	109,521
% Revenue	6.6%	15.3%	13.4%	15.6%	23.0%	25.7%	26.8%	29.7%

Interest Expense	1,428	1,188	1,206	1,197	1,273	(26,507)	0	(27,780)
Pre-tax Income	27,458	50,914	49,936	61,043	97,952	95,919	83,774	81,741
Earnings of Discontinued Ops.	0	0	0	0	0	0	0	0
Provision for Taxes	(4,813)	(14,668)	(14,343)	(17,183)	(24,667)	(26,636)	(21,377)	(23,346)
Net Income to Company	22,645	36,246	35,593	43,860	73,285	69,283	62,397	58,395
% Margin	5.7%	11.1%	9.8%	11.5%	17.4%	14.6%	20.0%	15.9%

Minority Interest in Earnings	218	(114)	(218)	(261)	(298)	(744)	(340)	(786)
Net Income to Stockholders	22,863	36,132	35,375	43,599	72,987	68,539	62,057	57,609

Preferred Dividends	0	0	0	0	0	0	0	0
Other Adj.	0	0	0	0	0	0	0	0

Net Income to Common	22,863	36,132	35,375	43,599	72,987	68,539	62,057	57,609
% Margin	5.8%	11.1%	9.7%	11.4%	17.4%	14.4%	19.9%	15.6%

As Reported
Basic EPS (Continuing Ops)	143.43	231.24	226.35	278.91	453.08	428.91	386.70	362.52
Diluted EPS (Continuing Ops)	142.57	231.01	226.13	278.75	452.69	428.30	386.52	362.12

WA Basic Shares Out.	159.40	156.25	156.29	156.32	161.09	159.52	160.48	158.91
WA Diluted Shares Out.	159.40	156.25	156.29	156.32	161.09	159.70	160.48	159.09

EBITDA, EBIT Reconciliation
EBT, Incl. Unusual Items	27,458	50,914	49,936	61,043	97,952	95,919	83,774	81,741
Addback: Net Interest Expense	(1,428)	(1,188)	(1,206)	(1,197)	(1,273)	26,507	0	27,780
Addback: Other Non Operating Expenses, Total	(7,557)	(6,263)	(7,500)	(9,968)	(34,751)	(12,801)	(34,966)	(13,016)
Addback: Depreciation & Amortization	28,615	28,624	29,825	31,482	32,669	32,772	24,399	24,502
Addback: Restructuring Charges	0	0	0	0	0	0	0	0
Addback: Merger / Acquisition Expenses	0	0	0	0	0	0	0	0
Addback: Goodwill Impairment	0	0	0	0	0	0	0	0
Addback: Gain (Loss) On Sale Of Invest.	(832)	(4,580)	(852)	(4,306)	(1,970)	(2,874)	0	(904)
Addback: Gain (Loss) On Sale Of Assets	(163)	(2,988)	(138)	(2,733)	(4,630)	(5,676)	0	(1,046)
Addback: Asset Writedown	7,176	1,218	201	649	604	604	0	0
Addback: In Process R&D Expenses	0	0	0	0	0	0	0	0
Addback: Insurance Settlements	0	0	0	0	0	0	0	0
Addback: Legal Settlements	0	0	0	0	0	0	0	0
Addback: Other Unusual Items	0	0	0	0	0	0	0	0
Adjusted EBITDA	53,269	65,737	70,266	74,970	88,601	134,451	73,207	119,057
% Margin	13.4%	20.2%	19.4%	19.6%	21.1%	28.2%	23.4%	32.3%

Adjusted EBIT	24,654	37,113	40,441	43,488	55,932	101,679	48,808	94,555
% Margin	6.2%	11.4%	11.1%	11.4%	13.3%	21.4%	15.6%	25.7%

Adjusted Net Income Reconciliation
Net Income to Company	22,645	36,246	35,593	43,860	73,285	69,283	62,397	58,395
Addback: Unusual Items	6,181	(6,350)	(789)	(6,390)	(5,996)	(7,946)	0	(1,950)
Less: Tax Benefit of Unusual Items (26%)	(1,607)	1,651	205	1,661	1,559	2,066	0	507
Adjusted Net Income	27,219	31,547	35,009	39,131	68,848	63,403	62,397	56,952
% Margin	6.9%	9.7%	9.6%	10.2%	16.4%	13.3%	20.0%	15.5%

Error de carga

Credit Saison Co., Ltd.

OTCPK:CSASY

Japón / Fundamental / Financiación al consumo

Finanzas históricas a 5 años