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Creditison CoCSASF 86 EBITDA Margin % is 18.29% as of Dec. 2025, which is 31% below its 10-year median of 26.52. 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 418 Credit Services companies, Creditison Co ranks better than 63.88% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Creditison Co's EBITDA for the
three
months ended in Dec. 2025 was $174 Mil. Creditison Co's Revenue for the
three
months ended in Dec. 2025 was $954 Mil. Therefore, Creditison Co's EBITDA margin for the quarter that ended in Dec. 2025 was 18.29%.
Creditison Co (OTCPK:CSASF) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Creditison Co EBITDA Margin % Related Terms
Creditison Co EBITDA Margin % Historical Data
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The historical data trend for Creditison Co's EBITDA Margin % 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.
For the Credit Services subindustry, Creditison Co's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Creditison Co's EBITDA Margin % falls into.
* 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 (CSASF) has a EBITDA Margin % of 18.29% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Creditison Co and its competitors. This is 31% below median its historical median of 26.52. Over the past decade, Creditison Co's EBITDA Margin % has ranged from 16.76 to 37.00. According to the industry distribution chart, Creditison Co ranks #151 out of 418 companies in the Credit Services industry, placing it in the top 36.1%.
Is Creditison Co's EBITDA Margin % too high?
Creditison Co's current EBITDA Margin % of 18.29% is 31% below median its 10-year median of 26.52. Over the past 10 years, this metric has ranged from a low of 16.76 to a high of 37.00. The Credit Services industry median EBITDA Margin % is 21.53. Creditison Co's value of 18.29% is 15% below this industry median. Based on the distribution chart, Creditison Co ranks #151 out of 418 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #151 out of 418 companies for EBITDA Margin %. This puts Creditison Co in the upper half of its industry. The industry median EBITDA Margin % is 21.53. Creditison Co's value of 18.29% is 15% below this benchmark. Historically, Creditison Co's own EBITDA Margin % has ranged from 16.76 to 37.00 over the past decade. While the company's 10-year median is 26.52 vs. the industry median of 21.53, Creditison Co has consistently been below 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.53, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Creditison Co's current EBITDA Margin % of 18.29% is 15% below 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Creditison Co and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditison Co's current EBITDA Margin % is 18.29%, which is 31% below median its own 10-year median of 26.52. 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 EBITDA Margin % of 18.29%. 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 EBITDA Margin % is 18.29%, which is 31% below median its 10-year median of 26.52 and 15% below the Credit Services industry median of 21.53. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Creditison Co (CSASF), the current EBITDA Margin % is 18.29% 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:
EBITDA Margin %: 18.29% (31% below median its 10-year median of 26.52)
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
Industry Position: 15% below the Credit Services median (#151 of 418)
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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