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Creditison CoCSASF 86 3-Year EPS without NRI Growth Rate is 18.50% as of Dec. 2025, which is 57% above its 10-year median of 11.80. 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. Among 432 Credit Services companies, Creditison Co ranks better than 60.65% on this metric.
During the past 12 months, Creditison Co's average EPS without NRI Growth Rate was 17.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 18.50% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 16.90% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 15.20% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Creditison Co was 331.30% per year. The lowest was -75.90% per year. And the median was 11.80% per year.
Creditison Co (OTCPK:CSASF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Creditison Co 3-Year EPS without NRI Growth Rate Related Terms
CSASF vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Creditison Co's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Creditison Co's 3-Year EPS without NRI Growth Rate falls into.
Creditison Co 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 18.50% mean?
Creditison Co (CSASF) has a 3-Year EPS without NRI Growth Rate of 18.50% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Creditison Co and its competitors. This is 57% above median its historical median of 11.80. According to the industry distribution chart, Creditison Co ranks #170 out of 432 companies in the Credit Services industry, placing it in the top 39.4%.
Is Creditison Co's 3-Year EPS without NRI Growth Rate too high?
Creditison Co's current 3-Year EPS without NRI Growth Rate of 18.50% is 57% above median its 10-year median of 11.80. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. Creditison Co's value of 18.50% is 62.3% above this industry median. Based on the distribution chart, Creditison Co ranks #170 out of 432 companies in the Credit Services industry, which is above the industry midpoint. 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 3-Year EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #170 out of 432 companies for 3-Year EPS without NRI Growth Rate. This puts Creditison Co in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. Creditison Co's value of 18.50% is 62.3% above this benchmark. While the company's 10-year median is 11.80 vs. the industry median of 11.40, Creditison Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 432 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Creditison Co's current 3-Year EPS without NRI Growth Rate of 18.50% is 62.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Creditison Co and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditison Co's current 3-Year EPS without NRI Growth Rate is 18.50%, which is 57% above median its own 10-year median of 11.80. 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 3-Year EPS without NRI Growth Rate of 18.50%. 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 3-Year EPS without NRI Growth Rate is 18.50%, which is 57% above median its 10-year median of 11.80 and 62.3% above the Credit Services industry median of 11.40. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Creditison Co (CSASF), the current 3-Year EPS without NRI Growth Rate is 18.50% 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:
3-Year EPS without NRI Growth Rate: 18.50% (57% above median its 10-year median of 11.80)
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
Industry Position: 62.3% above the Credit Services median (#170 of 432)
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.
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
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