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

Aug 12, 2026 / 10:59 AM GMT

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

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
æ ¹å²¸ã§ãããã¾ãã æ¬æ¥ã¯ã¯ã¬ãã£ã»ã¾ã³ç¬¬1ååæã®ã§ãããæ±ºç®èª¬æä¼ãåå ããã ãã¾ãã¦ãããã¨ããããã¾ãã ç§ãããã®ç¬¬1ååæã®ã§ãããæ±ºç®ã®æ¦è¦ãå ±åããããã¨æãã¾ãã ãèª¬æã§ç¨ããè³æã«ã¤ãã¾ãã¦ã¯ãå½ç¤¾IRãµã¤ãã«æ²è¼ãã¦ãããã®ããè¦§ããã ããã°ã¨æãã¾ãã ãã¡ãã§ãæå½±ããããã¾ãã ã§ã¯ã¾ãã3ãã¼ã¸ã®ã§ããã ä»åã®å¨ä½æã§ãããã¾ãããã©ããé£çµç´åçã«ã¤ãã¾ãã¦ã¯1,224åãåæã§112ãäºæ¥å©çã¯304åãåæã§132ãååæå©çã«ã¤ãã¾ãã¦ã¯217åã§ãåæã§135ã¨ãããã¨ã§ã§ãããä»å¹´åº¦12åã®3ãæãéããã¨ããã§ãããã¾ãããã©ãã ãã®4æ6æã®ç¬¬1ååæã¨ãããã¾ãã¦ã¯ãéå»æé«çãä½ãã¨ãããã¨ãã§ãã¾ããã ãã®ç¬¬2ååæä»¥éããåºæ¬çã«ã¯è¦éãæããã¨ãããããªç¶æ³ã§ãããã¾ãã ãªããããã§ä¸ã¤ã ãã§ãããåä½ã®ã§ãããååæç´å©çãè¦§ããã ãã¾ãã¨ãåæ¯ã§80%ã¨ãªã£ã¦ããã¾ãããã©ãããã¡ãã¯ãæ¬å¹´4æã®1æ¥ä»ã§ã

æ§åä¼ç¤¾ã®ã§ãããã³ã³ãã§ã«ããã¢ãã¥ã¼ãºã¡ã³ãäºæ¥åå²ã¨ãã¦ãããã¾ãã¦ãããã«ä¼´

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by FactSet. Analyst estimates data is sourced from both Refinitiv and FactSet, with priority given to Refinitiv data. Data is updated daily.