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Creditison CoCSASF 86 Gross Margin % is 84.42% as of Dec. 2025, which is 1% below its 10-year median of 85.12. 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 390 Credit Services companies, Creditison Co ranks better than 91.54% on this metric.
Creditison Co (OTCPK:CSASF) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Creditison Co had a gross margin of 84.42% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Creditison Co Gross Margin % Related Terms
Creditison Co Gross Margin % Historical Data
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The historical data trend for Creditison Co's Gross 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 Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Creditison Co's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Creditison Co (CSASF) has a Gross Margin % of 84.42% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Creditison Co and its competitors. This is near median its historical median of 85.12. Over the past decade, Creditison Co's Gross Margin % has ranged from 78.42 to 96.03. According to the industry distribution chart, Creditison Co ranks #33 out of 390 companies in the Credit Services industry, placing it in the top 8.5%.
Is Creditison Co's Gross Margin % too high?
Creditison Co's current Gross Margin % of 84.42% is near median its 10-year median of 85.12. Over the past 10 years, this metric has ranged from a low of 78.42 to a high of 96.03. The Credit Services industry median Gross Margin % is 51.16. Creditison Co's value of 84.42% is 65% above this industry median. Based on the distribution chart, Creditison Co ranks #33 out of 390 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #33 out of 390 companies for Gross Margin %. This places Creditison Co in the top 9% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.16. Creditison Co's value of 84.42% is 65% above this benchmark. Historically, Creditison Co's own Gross Margin % has ranged from 78.42 to 96.03 over the past decade. While the company's 10-year median is 85.12 vs. the industry median of 51.16, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.16, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Creditison Co's current Gross Margin % of 84.42% is 65% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Creditison Co and its competitors. For the Credit Services industry, the median Gross Margin % is 51.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditison Co's current Gross Margin % is 84.42%, which is near median its own 10-year median of 85.12. 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 Gross Margin % of 84.42%. 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 Gross Margin % is 84.42%, which is near median its 10-year median of 85.12 and 65% above the Credit Services industry median of 51.16. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Creditison Co (CSASF), the current Gross Margin % is 84.42% 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:
Gross Margin %: 84.42% (near median its 10-year median of 85.12)
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
Industry Position: 65% above the Credit Services median (#33 of 390)
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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