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Creditison CoCSASF 86 3-Year EBITDA Growth Rate is 20.70% as of Dec. 2025, which is 93% above its 10-year median of 10.70. 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 319 Credit Services companies, Creditison Co ranks better than 63.95% on this metric.
During the past 12 months, Creditison Co's average EBITDA Per Share Growth Rate was 14.40% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 20.70% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 18.00% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 13.20% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Creditison Co was 130.20% per year. The lowest was -34.10% per year. And the median was 10.70% per year.
Creditison Co (OTCPK:CSASF) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Creditison Co 3-Year EBITDA Growth Rate Related Terms
CSASF vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Creditison Co's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Creditison Co's 3-Year EBITDA Growth Rate falls into.
Creditison Co 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 20.70% mean?
Creditison Co (CSASF) has a 3-Year EBITDA Growth Rate of 20.70% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Creditison Co and its competitors. This is 93% above median its historical median of 10.70. According to the industry distribution chart, Creditison Co ranks #115 out of 319 companies in the Credit Services industry, placing it in the top 36.1%.
Is Creditison Co's 3-Year EBITDA Growth Rate too high?
Creditison Co's current 3-Year EBITDA Growth Rate of 20.70% is 93% above median its 10-year median of 10.70. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. Creditison Co's value of 20.70% is 127.5% above this industry median. Based on the distribution chart, Creditison Co ranks #115 out of 319 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 EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #115 out of 319 companies for 3-Year EBITDA Growth Rate. This puts Creditison Co in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. Creditison Co's value of 20.70% is 127.5% above this benchmark. While the company's 10-year median is 10.70 vs. the industry median of 9.10, 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 EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 20.70% is 127.5% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Creditison Co and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditison Co's current 3-Year EBITDA Growth Rate is 20.70%, which is 93% above median its own 10-year median of 10.70. 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 EBITDA Growth Rate of 20.70%. 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 EBITDA Growth Rate is 20.70%, which is 93% above median its 10-year median of 10.70 and 127.5% above the Credit Services industry median of 9.10. 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Creditison Co (CSASF), the current 3-Year EBITDA Growth Rate is 20.70% 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 EBITDA Growth Rate: 20.70% (93% above median its 10-year median of 10.70)
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
Industry Position: 127.5% above the Credit Services median (#115 of 319)
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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