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Credit SaisonCredit Saison Co.,Ltd.8253東証プライムその他金融業FY ending Mar 2026, consolidated, IFRS

Credit Saison FY ending Mar 2023 results

About 57% of Credit Saison's sales come from Payment, with Real Estate related and Finance making up much of the rest.

Out of every ¥100 of sales, about ¥11 is left as operating profit.

Revenue changed +7.9% from the prior year.

What changed from last year

FY ending Mar 2022 → FY ending Mar 2023

Revenue
+7.9%¥299B → ¥322.6B
Gross profit
+11.8%¥235.1B → ¥262.7B
Net income attributable to owners
+23.2%¥35.4B → ¥43.6B
Operating cash flow
Loss-¥70.4B → -¥130.1B
Free cash flow
Loss-¥86.9B → -¥145.7B

Where the money goes

FY ending Mar 2022 → FY ending Mar 2023

※ Segment revenues include inter-segment sales and are scaled to consolidated revenue

※ Operating income is not disclosed; the chart goes straight to pretax income including investment gains

Where ¥100 of sales goes

For every ¥100 Credit Saison sells, how much goes where, and how much is kept.

FY ending Mar 2023
Cost of sales
¥18
SG&A
¥71
Operating profit
¥11
Net profit kept
¥14

* This company does not report operating income, so it is calculated as gross profit minus SG&A. Equity-method income and dividends are not included, so net profit can be larger.

Annual margin trends

Gross margin81.4%
FY ending Mar 2020: 72.5%72.5%FY ending Mar 2021: 84.9%84.9%FY ending Mar 2022: 78.6%78.6%FY ending Mar 2023: 81.4%81.4%FY18FY19FY20FY21FY22FY23
Net margin13.5%
FY ending Mar 2018: 13.1%13.1%FY ending Mar 2019: 10.0%10.0%FY ending Mar 2020: 7.3%7.3%FY ending Mar 2021: 12.8%12.8%FY ending Mar 2022: 11.8%11.8%FY ending Mar 2023: 13.5%13.5%FY18FY19FY20FY21FY22FY23

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Which businesses earn the money

Revenue by business segment, and the profit each one keeps.

FY ending Mar 2023

Profit by segment

※ Segment figures include inter-segment sales and do not sum to the company total

Sources

Show source documents (6)

  • EDINET (FSA Japan)

    有価証券報告書－第76期(2025/04/01－2026/03/31)

    ID S100YCDE2026-06-16Open

  • EDINET (FSA Japan)

    訂正有価証券報告書－第75期(2024/04/01－2025/03/31)

    ID S100WCWC2025-07-22Open

  • EDINET (FSA Japan)

    有価証券報告書－第74期(2023/04/01－2024/03/31)

    ID S100TNTL2024-06-19Open

  • EDINET (FSA Japan)

    有価証券報告書－第73期(2022/04/01－2023/03/31)

    ID S100R0QD2023-06-21Open

  • 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)

    ID S100OCL92022-06-22Open

  • 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)

    ID S100LN7Q2021-06-23Open

Extracted from XBRL: 41 / Derived from other figures: 2

Spotted an error? Report it (corrections keep the original record)

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