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Creditison CoCSASF 86 Intrinsic Value: Projected FCF is $-12.80 as of Aug. 02, 2026. 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 314 Credit Services companies, Creditison Co ranks worse than 318471.02% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-02), Creditison Co's Intrinsic Value: Projected FCF is $-12.80. The stock price of Creditison Co is $23.61. Therefore, Creditison Co's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.
The historical rank and industry rank for Creditison Co's Intrinsic Value: Projected FCF or its related term are showing as below:
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Creditison Co was 0.73. The lowest was 0.61. And the median was 0.67.
CSASF's Price-to-Projected-FCF is not ranked *
in the Credit Services industry.
Industry Median: 0.72 * Ranked among companies with meaningful Price-to-Projected-FCF only.
Creditison Co (OTCPK:CSASF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Creditison Co's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
23.61
/
-13.41856866611
=
* 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 Intrinsic Value: Projected FCF Related Terms
Creditison Co Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Creditison Co's Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
CSASF vs V, MA, AXP: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Creditison Co's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Creditison Co's Price-to-Projected-FCF falls into.
Creditison Co Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $-12.80 mean?
Creditison Co (CSASF) has a Intrinsic Value: Projected FCF of $-12.80 as of Aug. 02, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Creditison Co and its competitors. Over the past decade, Creditison Co's Intrinsic Value: Projected FCF has ranged from 0.61 to 0.73. According to the industry distribution chart, Creditison Co ranks #999999 out of 314 companies in the Credit Services industry.
Is Creditison Co's Intrinsic Value: Projected FCF too high?
Creditison Co's current Intrinsic Value: Projected FCF is $-12.80. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 0.73. Based on the distribution chart, Creditison Co ranks #999999 out of 314 companies in the Credit Services industry, which is in the bottom quartile 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 Intrinsic Value: Projected FCF compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #999999 out of 314 companies for Intrinsic Value: Projected FCF. This places Creditison Co in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.72. Historically, Creditison Co's own Intrinsic Value: Projected FCF has ranged from 0.61 to 0.73 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.72, based on 314 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Creditison Co and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditison Co's current Intrinsic Value: Projected FCF is $-12.80. 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 Intrinsic Value: Projected FCF of $-12.80. 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 Intrinsic Value: Projected FCF is $-12.80. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Creditison Co (CSASF), the current Intrinsic Value: Projected FCF is $-12.80 as of Aug. 02, 2026. 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:
Intrinsic Value: Projected FCF: $-12.80
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
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
Get the complete analysis for CSASF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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