CSASF (Creditison Co) Cyclically Adjusted Book per Share: $21.68 (As of Dec. 2025)

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CSASF Credit Saison Co Ltd CSASF
86 GF Score
Price $23.61
GF Value $22.96
! 7 Warning Signs
View Full Analysis

What is Creditison Co Cyclically Adjusted Book per Share?

Creditison Co CSASF 86 Cyclically Adjusted Book per Share is $21.68 as of Dec. 2025. GuruFocus rates CSASF with a GF Score™ of 86/100 and a GF Value™ of $22.96. The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Creditison Co's adjusted book value per share for the three months ended in Dec. 2025 was $33.091. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $21.68 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Creditison Co's average Cyclically Adjusted Book Growth Rate was -100.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Creditison Co was 8.70% per year. The lowest was 4.60% per year. And the median was 6.15% per year.

As of today (2026-08-02), Creditison Co's current stock price is $23.61. Creditison Co's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was $21.68. Creditison Co's Cyclically Adjusted PB Ratio of today is 1.09.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Creditison Co was 1.24. The lowest was 0.38. And the median was 0.73.


Creditison Co  (OTCPK:CSASF) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Creditison Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=23.61/21.68
=1.09

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Creditison Co was 1.24. The lowest was 0.38. And the median was 0.73.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Creditison Co Cyclically Adjusted Book per Share Related Terms


Creditison Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Creditison Co's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Creditison Co Cyclically Adjusted Book per Share Chart

Creditison Co Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 28.31 24.59 16.50 20.53 0.00

Creditison Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.53 18.91 18.97 21.68 0.00

CSASF vs V, MA, AXP: Cyclically Adjusted Book per Share Comparison

For the Credit Services subindustry, Creditison Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Creditison Co Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Creditison Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Creditison Co's Cyclically Adjusted PB Ratio falls into.


CSASF
86GF Score
Credit Saison Co Ltd CSASF
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Creditison Co Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Creditison Co's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=33.091/113.0000*113.0000
=33.091

Current CPI (Dec. 2025) = 113.0000.

Creditison Co Quarterly Data

Book Value per Share CPI Adj_Book
201603 22.700 97.900 26.201
201606 24.280 98.100 27.968
201609 26.359 98.000 30.394
201612 23.721 98.400 27.241
201703 24.132 98.100 27.797
201706 25.126 98.500 28.825
201709 25.895 98.800 29.617
201712 25.780 99.400 29.307
201803 28.225 99.200 32.151
201806 27.047 99.200 30.810
201809 26.926 99.900 30.457
201812 26.831 99.700 30.410
201903 27.047 99.700 30.655
201906 27.574 99.800 31.221
201909 28.752 100.100 32.457
201912 29.871 100.500 33.586
202003 28.813 100.300 32.461
202006 29.252 99.900 33.088
202009 30.385 99.900 34.369
202012 31.951 99.300 36.359
202103 31.260 99.900 35.359
202106 31.156 99.500 35.383
202109 31.874 100.100 35.982
202112 31.437 100.100 35.488
202203 30.345 101.100 33.917
202206 27.329 101.800 30.336
202209 26.217 103.100 28.734
202212 28.696 104.100 31.149
202303 28.633 104.400 30.992
202306 27.608 105.200 29.655
202309 28.402 106.200 30.221
202312 28.450 106.800 30.102
202403 28.857 107.200 30.418
202406 27.671 108.200 28.899
202409 30.554 108.900 31.704
202412 30.294 110.700 30.923
202503 31.800 111.100 32.344
202506 32.898 111.700 33.281
202509 33.185 112.000 33.481
202512 33.091 113.000 33.091

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $21.68 mean?
Creditison Co (CSASF) has a Cyclically Adjusted Book per Share of $21.68 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Creditison Co and its competitors.
Is Creditison Co's Cyclically Adjusted Book per Share too high?
Creditison Co's current Cyclically Adjusted Book per Share is $21.68. Overall, Creditison Co has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does Creditison Co's Cyclically Adjusted Book per Share compare to V and MA?
Creditison Co's Cyclically Adjusted Book per Share of $21.68 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Credit Services company?
A good Cyclically Adjusted Book per Share depends on the Credit Services industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Creditison Co and its competitors. Creditison Co's current Cyclically Adjusted Book per Share is $21.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creditison Co stock overvalued right now?
Creditison Co (CSASF) has a current Cyclically Adjusted Book per Share of $21.68. The stock's GF Value™ is $22.96, compared to a current price of $23.61 — trading 2.8% above its estimated fair value. The current Cyclically Adjusted Book per Share is $21.68. Creditison Co's overall GF Score™ is 86/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Creditison Co (CSASF), the current Cyclically Adjusted Book per Share is $21.68 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Creditison Co (CSASF) Overvalued in 2026?

Based on GuruFocus' analysis, Creditison Co stock appears to be overvalued. The current stock price of $23.61 is trading 2.8% above its estimated GF Value™ of $22.96.

Key valuation signals for CSASF:

  • Cyclically Adjusted Book per Share: $21.68
  • GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
  • GF Score™: 86/100 with 7 warning signs

No single metric tells the full story. See the CSASF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Creditison Co Business Description

Other Exchanges 8253:JapanQC9:Germany
Address 1-1 Higashi-Ikebukuro 3-chome, Sunshine 60 Building, Toshima-ku, Tokyo, JPN, 170-6073
Credit Saison Co Ltd is a Japan-based financial services company. The company operates its business through six segments. The Entertainment segment runs amusement parks. The Finance segment covers credit guarantees and related services. The Global segment engages in lending and investments. The Leasing segment focuses on office equipment. The Payment segment centers on credit cards and related services, and the Real Estate segment includes property development and leasing activities. It generates the majority of its revenue from the Payment business segment.
86GF Score

Get the complete analysis for CSASF

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$23.61
Price
$22.96
GF Value