Credit Saison Co (QC9) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Credit Saison Co €31.23, price €25.00, upside +24.9%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
In Frankfurt, only 1 of the last 21 trading days (30 days) had any turnover. On the other days the price is an indicative quote without trading, so we do not list this stock in the radar. It stays reachable through search.
CSBroad dataSep 30, 2026
Credit Saison Co
QC9 · F
SpeculativeUpside exists, but weak quality makes the signal speculative.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 30, 2026.
How to read this chart
60‑month range €7.24 – €26.40 · fair‑value band €23.42 – €39.04 · the €25.00 price screens below the €31.23 fair value. Dashed = 300-day average. As of Sep 30, 2026.
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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.
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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 and real estate leasing business; lending and investment businesses; and development and management of amusement centers and arcades. In addition, it is involved in the import and sale of lifestyle goods; cleaning, security, and property maintenance services; asset management; debt collection; personal loans; life/non-life insurance agency; online ticket system and payment services; digital lending; and offshore lending. The company was formerly known as Seibu Credit Co., Ltd. and changed its name to Credit Saison Co., Ltd. in October 1989. Credit Saison Co., Ltd. was incorporated in 1951 and is headquartered in Tokyo, Japan.
Stock analysis
Credit Saison Co (QC9) currently trades at €25.00, while our model-based Fair Value estimate is €31.23, implying the stock looks roughly 19.9% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €31.45 per share, and 4 of the 8 models we run sit above the €25.00 price.
Bear case: the Dividend Discount group reads lowest at €10.70, and 4 of the 8 models stay below the price. Evidence for this calculation is high.
Scenario range: €23.42 (bear) to €39.04 (bull), the price of €25.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Credit Saison Co reported revenue of ¥546B in FY2026 versus ¥363B in FY2022, a compound +10.8%/yr. Reported net income was ¥61.7B in FY2026, compounding +14.9%/yr from FY2022.
Key figures
Market cap €3.6B · P/E ratio 10.6 · P/S ratio 1.20 · EPS (TTM) €2.35 · Dividend yield 3.4% · Net margin 11.3% · Return on equity 9.3% · Return on assets (EBIT) 2.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 32% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 25%, QC9 screens cheaper than that median.
Fair Value models
Bear €23.42Fair Value €31.23Bull €39.04
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.56/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+11.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.9%
Start year 2021 (pandemic). Over 10 years: +7.3% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.8%
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What shareholders gained per year (last 5 years), in JPY ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+17.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.7%
Dividend (yield on the price)3.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.13.7% vs 5.2%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.25% → 36%
News mood ⓘNews mood, the average tone of recent news (4 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 329 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score44 · Below median
Fair Value upside+23.9% · Above median
Profitability
Return on equity (TTM)9.3% · Above median
Return on assets1.9% · Below median
Net margin (TTM)12.4% · Below median
Operating margin (TTM)30.7% · Below median
Growth and dividend
Revenue growth4.6% · Below median
Dividend yield (TTM)3.4% · Above median
Balance sheet
Debt / equity4.72× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Credit Saison Co Fair Value". https://www.fairvalue-calculator.com/stock/QC9
Frequently asked questions
Is Credit Saison Co (QC9) overvalued or undervalued?
As of Sep 30, 2026, our model estimates a fair value of €31.23 versus a price of €25.00, about +25% upside (undervalued).
What is the fair value of QC9?
Our model-based fair value for Credit Saison Co is €31.23 (as of Sep 30, 2026), built from audited fundamentals. The current price: €25.00.
What is the quality score of QC9?
Credit Saison Co has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Credit Saison Co (QC9)?
Our model-based price target is the fair value of €31.23 (as of Sep 30, 2026) from 9 valuation models. Cautious scenario €23.42, optimistic scenario €39.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Credit Saison Co stock forecast for 2026?
Our models put fair value at €31.23, about +25% upside versus a price of €25.00 (undervalued). Cautious scenario €23.42, optimistic scenario €39.04. The calculation is refreshed regularly with new filings.
What is the revenue of Credit Saison Co (QC9)?
Credit Saison Co reported trailing-twelve-month revenue of about ¥552B (latest available figure, as of Sep 30, 2026).
Does Credit Saison Co pay a dividend?
Credit Saison Co currently shows a dividend yield of about 3.36% relative to its recent price (as of Sep 30, 2026).
What is the intrinsic value of Credit Saison Co (QC9)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Credit Saison Co it is €31.23 per share (as of Sep 30, 2026), against a price of €25.00. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Credit Saison Co stock overvalued or undervalued in 2026?
As of Sep 30, 2026, QC9 trades below its calculated fair value: price €25.00, fair value €31.23, a gap of about +25% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of QC9?
No. The price is what the market pays today (€25.00); the fair value is what the company's own numbers justify (€31.23). For Credit Saison Co the two are €6.23 per share apart. That gap is exactly why we show both numbers side by side.
How much is Credit Saison Co worth?
The market values Credit Saison Co at about €3.6B (market capitalisation, as of Sep 30, 2026). Per share that is €25.00; our models calculate a fair value of €31.23 per share.
What do the bullish and bearish scenarios say about QC9?
Our models span a range for Credit Saison Co: cautious scenario €23.42, base €31.23, optimistic €39.04 per share (as of Sep 30, 2026, price €25.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of QC9?
Credit Saison Co trades at a price-to-earnings ratio of 10.6 (as of Sep 30, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €31.23 is built from several models across several years. Other multiples: P/B 0.9, P/S 1.2, EV/EBITDA 23.1.
How solid is the balance sheet of Credit Saison Co (QC9)?
Balance-sheet figures for Credit Saison Co (as of Sep 30, 2026): return on equity 9.3%, debt of 4.72 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is QC9 from its 52-week high?
Credit Saison Co trades at €25.00, about 5% below its 52-week high of €26.40 and 32% above the low of €18.99 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of €31.23 is for.
Which stocks are comparable to Credit Saison Co?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Credit Saison Co stock attractive at the current price?
The data as of Sep 30, 2026: price €25.00, calculated fair value €31.23 (+25%), Quality Score 45/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of QC9 calculated?
We run Credit Saison Co through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €31.23, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Credit Saison Co currently trades 20 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Credit Saison Co (QC9)?
The closing price on Oct 1, 2026 was €25.00. Our model-based fair value is €31.23, about +25% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Credit Saison Co right now?
Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Credit Saison Co
How large is the market capitalisation of Credit Saison Co (QC9)?
The market capitalisation of Credit Saison Co is €3.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Credit Saison Co (QC9)?
The price-to-sales ratio of Credit Saison Co is 1.20 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Credit Saison Co (QC9)?
Earnings per share at Credit Saison Co are €2.35 (price ÷ EPS = P/E 10.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Credit Saison Co (QC9)?
The dividend yield of Credit Saison Co is 3.4% (payout 35.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Credit Saison Co (QC9)?
The net margin of Credit Saison Co is 11.3% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Credit Saison Co (QC9)?
The return on equity (ROE) of Credit Saison Co is 9.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Credit Saison Co (QC9)?
On an EBIT basis the return on assets of Credit Saison Co is 2.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Credit Saison Co (QC9)?
The operating margin of Credit Saison Co is 30.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Credit Saison Co (QC9)?
Revenue at Credit Saison Co is growing +4.6% versus a year earlier (3y avg +12.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Credit Saison Co (QC9)?
Earnings per share at Credit Saison Co are growing +38.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Credit Saison Co (QC9) generate?
The free cash flow of Credit Saison Co is −¥154B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Credit Saison Co (QC9) carry?
The net debt of Credit Saison Co is ¥3.5T (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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