Credit SaisonCredit Saison Co.,Ltd.8253東証プライムその他金融業FY ending Mar 2026, consolidated, IFRS
Out of every ¥100 of sales, about ¥26 is left as operating profit. Revenue changed +11.8% from the prior year.
Net margin × asset turnover = ROA; ROA × financial leverage = ROE
Denominators: average assets and average equity. Derived from reported values; ROE is shown only for positive profit and equity.
| Period | Net margin | Asset turnover | ROA | Financial leverage | ROE |
|---|---|---|---|---|---|
| 2022 | 11.8% | 0.08× | 1.0% | 6.42× | 6.3% |
| 2023 | 13.5% | 0.09× | 1.2% | 6.47× | 7.5% |
| 2024 | 20.2% | 0.09× | 1.8% | 6.32× | 11.2% |
| 2025 | 15.7% | 0.09× | 1.5% | 6.38× | 9.4% |
| 2026 | 13.1% | 0.10× | 1.3% | 6.56× | 8.4% |
Financial leverage can raise ROE; a higher value alone does not describe a company's overall condition.
Annual trends in tangible-asset ratios and goodwill balance.
Ratios are derived from reported values. Goodwill is shown only when separately reported; it is not inferred from combined intangible assets. Definition
| Item | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 299,017 | 322,638 | 361,604 | 422,818 | 472,770 |
| Cost of revenue | 63,937 | 59,902 | 58,713 | 69,419 | 73,501 |
| Gross profit | 235,080 | 262,736 | 302,891 | 353,399 | 399,269 |
| SG&A | 222,541 | 228,367 | 242,778 | 261,698 | 274,260 |
| Operating income | — | — | — | — | — |
| Pretax income | 49,936 | 61,044 | 97,952 | 92,786 | 89,980 |
| Income tax | 14,343 | 17,183 | 24,667 | 25,435 | 27,407 |
| Net income attributable to owners | 35,375 | 43,599 | 72,987 | 66,397 | 61,728 |
| Operating margin | — | — | — | — | — |
Year-end figures from filings. Unreported items are omitted. Interest-bearing debt excludes lease liabilities.
Each bar totals 100% of assets; other is the residual.
| Item | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
|---|---|---|---|---|---|
| Cash and equivalents | ¥109B | ¥159.7B | ¥108.7B | ¥139.4B | ¥112.3B |
| Total assets | ¥3.61T | ¥3.9T | ¥4.34T | ¥4.67T | ¥4.95T |
| Net assets | ¥563.7B | ¥600B | ¥717.6B | ¥719B | ¥775.5B |
| Share capital | ¥75.9B | ¥75.9B | ¥75.9B | ¥75.9B | ¥75.9B |
| Property, plant and equipment | ¥30.3B | ¥28.8B | ¥30.3B | ¥29.3B | ¥25.1B |
| Goodwill | ¥1.15B | ¥1.65B | ¥1.66B | ¥1.2B | ¥704M |
| Total liabilities | ¥3.05T | ¥3.3T | ¥3.62T | ¥3.95T | ¥4.18T |
| Equity attributable to owners of parent | ¥562.4B | ¥598.3B | ¥705.1B | ¥705.7B | ¥760.6B |
| Retained earnings | ¥442.6B | ¥481.2B | ¥542.6B | ¥602.9B | ¥653B |
| Treasury stock | -¥62.7B | -¥62.7B | -¥47.8B | -¥96.4B | -¥117.3B |
EDINET (FSA Japan)
有価証券報告書－第76期(2025/04/01－2026/03/31)
EDINET (FSA Japan)
訂正有価証券報告書－第75期(2024/04/01－2025/03/31)
EDINET (FSA Japan)
有価証券報告書－第74期(2023/04/01－2024/03/31)
EDINET (FSA Japan)
有価証券報告書－第73期(2022/04/01－2023/03/31)
EDINET (FSA Japan)
有価証券報告書－第72期(令和3年4月1日－令和4年3月31日)
EDINET (FSA Japan)
有価証券報告書－第71期(令和2年4月1日－令和3年3月31日)
Extracted from XBRL: 41 / Derived from other figures: 2
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