Credit Saison Co. Ltd
Credit Saison Co., Ltd. provides leasing, finance, real estate, entertainment, global, and payment services in Japan and internationally. It operates through the Payment, Lease, Finance, Real Estate-Related, Global, and Entertainment segments. The company also engages in the credit card and related business; leasing of office equipment; credit guarantee and finance related businesses; real estate… Read more
Credit Saison Co. Ltd (QC9) - Net Assets
Latest net assets as of September 2025: €717.95 Billion EUR
Based on the latest financial reports, Credit Saison Co. Ltd (QC9) has net assets worth €717.95 Billion EUR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€4.73 Trillion) and total liabilities (€4.01 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €717.95 Billion |
| % of Total Assets | 15.18% |
| Annual Growth Rate | 4.94% |
| 5-Year Change | 35.14% |
| 10-Year Change | 71.61% |
| Growth Volatility | 6.35 |
Credit Saison Co. Ltd - Net Assets Trend (2014–2025)
This chart illustrates how Credit Saison Co. Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Credit Saison Co. Ltd (2014–2025)
The table below shows the annual net assets of Credit Saison Co. Ltd from 2014 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | €719.03 Billion | +0.20% |
| 2024-03-31 | €717.61 Billion | +19.59% |
| 2023-03-31 | €600.04 Billion | +6.44% |
| 2022-03-31 | €563.74 Billion | +5.95% |
| 2021-03-31 | €532.06 Billion | +9.60% |
| 2020-03-31 | €485.48 Billion | -1.27% |
| 2019-03-31 | €491.74 Billion | +2.30% |
| 2018-03-31 | €480.67 Billion | +7.56% |
| 2017-03-31 | €446.88 Billion | +6.66% |
| 2016-03-31 | €418.99 Billion | -6.28% |
| 2015-03-31 | €447.08 Billion | +5.70% |
| 2014-03-31 | €422.99 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Credit Saison Co. Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 153.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €602.90 Billion | 85.44% |
| Other Components | €102.78 Billion | 14.56% |
| Total Equity | €705.68 Billion | 100.00% |
Credit Saison Co. Ltd Competitors by Market Cap
The table below lists competitors of Credit Saison Co. Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Sulzer AG
SW:SUN
|
$2.97 Billion |
|
KEI Industries Limited
NSE:KEI
|
$2.97 Billion |
|
China National Software & Service Co Ltd
SHG:600536
|
$2.98 Billion |
|
Alm. Brand A/S
PINK:ABDBY
|
$2.98 Billion |
|
KAR Auction Services Inc
NYSE:KAR
|
$2.97 Billion |
|
Aedifica SA
PINK:AEDFF
|
$2.97 Billion |
|
Shan Dong Sun Paper Industry Joint Stock Co Ltd
SHE:002078
|
$2.97 Billion |
|
Air China Limited
PINK:AICAF
|
$2.97 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Credit Saison Co. Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 705,053,000,000 to 705,678,000,000, a change of 625,000,000 (0.1%).
- Net income of 66,397,000,000 contributed positively to equity growth.
- Dividend payments of 17,288,000,000 reduced retained earnings.
- Share repurchases of 48,489,000,000 reduced equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €66.40 Billion | +9.41% |
| Dividends Paid | €17.29 Billion | -2.45% |
| Share Repurchases | €48.49 Billion | -6.87% |
| Other Changes | €5.00 Million | +0.0% |
| Total Change | €- | 0.09% |
Book Value vs Market Value Analysis
This analysis compares Credit Saison Co. Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.00x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-03-31 | €2724.86 | €22.80 | x |
| 2018-03-31 | €2933.44 | €22.80 | x |
| 2019-03-31 | €3006.13 | €22.80 | x |
| 2020-03-31 | €3102.26 | €22.80 | x |
| 2021-03-31 | €3397.92 | €22.80 | x |
| 2022-03-31 | €3598.22 | €22.80 | x |
| 2023-03-31 | €3827.22 | €22.80 | x |
| 2024-03-31 | €4323.35 | €22.80 | x |
| 2025-03-31 | €4740.04 | €22.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Credit Saison Co. Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.41%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.49%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 6.62x
- Recent ROE (9.41%) is above the historical average (6.98%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 6.10% | 10.33% | 0.11x | 5.45x | €-16.37 Billion |
| 2015 | 2.84% | 4.87% | 0.11x | 5.33x | €-31.88 Billion |
| 2016 | 6.25% | 9.69% | 0.11x | 6.09x | €-15.71 Billion |
| 2017 | 9.49% | 15.15% | 0.10x | 6.11x | €-2.25 Billion |
| 2018 | 8.00% | 13.12% | 0.10x | 6.14x | €-9.58 Billion |
| 2019 | 6.22% | 8.21% | 0.12x | 6.54x | €-18.58 Billion |
| 2020 | 4.72% | 5.76% | 0.12x | 6.93x | €-25.60 Billion |
| 2021 | 6.80% | 11.10% | 0.10x | 6.42x | €-16.97 Billion |
| 2022 | 6.29% | 9.75% | 0.10x | 6.42x | €-20.86 Billion |
| 2023 | 7.29% | 11.40% | 0.10x | 6.51x | €-16.23 Billion |
| 2024 | 10.35% | 17.36% | 0.10x | 6.15x | €2.48 Billion |
| 2025 | 9.41% | 13.49% | 0.11x | 6.62x | €-4.17 Billion |
Industry Comparison
This section compares Credit Saison Co. Ltd's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $6,348,032,190
- Average return on equity (ROE) among peers: 14.60%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Credit Saison Co. Ltd (QC9) | €717.95 Billion | 6.10% | 5.59x | $2.97 Billion |
| Yiren Digital Ltd (19YA) | $4.82 Billion | 21.42% | 0.61x | $89.17 Million |
| Yixin Group Limited (1YX) | $15.33 Billion | 2.42% | 1.10x | $716.43 Million |
| BFF Bank S.p.A (2BF) | $571.60 Million | 34.53% | 18.55x | $540.23 Million |
| Resurs Holding AB (publ) (4R6) | $7.57 Billion | 10.54% | 5.32x | $60.83 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $17.62 Billion | 11.05% | 2.97x | $642.11 Million |
| ALBIS Leasing AG (ALG) | $18.88 Million | 21.27% | 9.03x | $12.44 Million |
| Brockhaus Capital Management AG (BKHT) | $315.34 Million | 15.55% | 1.08x | $77.40 Million |
| Shougang Concord Grand (Group) Limited (CGG) | $1.89 Billion | 1.44% | 0.23x | $23.36 Million |
| Qfin Holdings, Inc. (CKR0) | $15.22 Billion | 38.00% | 1.20x | $1.36 Billion |
| creditshelf Aktiengesellschaft (CSQ) | $128.80 Million | -10.21% | 0.88x | $2.48K |