Q1 2027 Credit Saison Co., Ltd. Earnings Presentation (Japanese) Transcript

Aug 12, 2026 / 10:59 AM GMT

Release Date Price: $23.61

Transcript

Key Points

Positve

Credit Saison Co Ltd (TSE:8253) reported record-high first-quarter profits, with operating profit of 30.4 billion yen (up 13% year-over-year) and ordinary profit of 21.7 billion yen (up 35% year-over-year).
The company's core credit card segment showed strong performance, with new card acquisitions increasing by 80,000 year-over-year to 380,000 in Q1, driven by successful digital marketing and a new premium card launch.
The financial services segment, including Credit Saison and Saison Automobile Fire Insurance, performed exceptionally well, with the latter seeing a 12 billion yen year-over-year improvement in credit guarantee business.
The company's overseas business, particularly in Southeast Asia, is progressing well, with the credit receivables balance growing 10% from the end of fiscal 2025, and the company is actively expanding its customer base in the region.
The company's credit cost ratio remains stable and healthy, and management expressed confidence in achieving its full-year plan, noting that Q1 results were 'extremely good' and ahead of schedule.

Negative

Credit Saison Co Ltd (TSE:8253) recorded a one-time loss of approximately 3.2 billion yen in Q1 related to the adjustment of the credit guarantee business for the Saison Card, which impacted the segment's profit margin.
The company's credit card segment saw an increase in SG&A expenses, including higher advertising and promotional costs, which partially offset revenue growth.
The company's overseas business, particularly in Indonesia, saw a slight decline in profit due to a one-time provision of approximately 500 million yen for loan losses, though management expects this to normalize in subsequent quarters.
The company's debt collection business is facing challenges, with the value of purchased receivables declining and the company noting that it is 'carefully' managing this segment, which has seen a decrease in profitability.
The company's investment securities segment reported a loss of 4 billion yen in Q1, primarily due to a decline in the valuation of investments in Shinsei and CVC, though management noted this was a one-time adjustment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

8253.T - Credit Saison Co., Ltd.
Q1 2027 Credit Saison Co., Ltd. Earnings Presentation (Japanese)
Aug 12, 2026 / NTS GMT

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Presentation
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