Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Creditison CoCSASF 86 Net Margin % is 14.43% as of Dec. 2025, which is 28% above its 10-year median of 11.25. 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 537 Credit Services companies, Creditison Co ranks worse than 57.73% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Creditison Co's Net Income for the
three
months ended in Dec. 2025 was $138 Mil. Creditison Co's Revenue for the
three
months ended in Dec. 2025 was $954 Mil. Therefore, Creditison Co's net margin for the quarter that ended in Dec. 2025 was 14.43%.
The historical rank and industry rank for Creditison Co's Net Margin % or its related term are showing as below:
CSASF'
s Net Margin % Range Over the Past 10 Years
Min: 5.76 Med: 11.25 Max: 17.36
Current: 11.49
CSASF's Net Margin % is ranked worse than 57.73% of 537
companies
in the Credit Services industry
Industry Median: 15.07
vs CSASF: 11.49
Creditison Co (OTCPK:CSASF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Creditison Co Net Margin % Related Terms
Creditison Co Net Margin % Historical Data
* Premium members only.
The historical data trend for Creditison Co's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Creditison Co's Net 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 Net Margin % of 14.43% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Creditison Co and its competitors. This is 28% above median its historical median of 11.25. Over the past decade, Creditison Co's Net Margin % has ranged from 5.76 to 17.36. According to the industry distribution chart, Creditison Co ranks #310 out of 537 companies in the Credit Services industry, placing it in the top 57.7%.
Is Creditison Co's Net Margin % too high?
Creditison Co's current Net Margin % of 14.43% is 28% above median its 10-year median of 11.25. Over the past 10 years, this metric has ranged from a low of 5.76 to a high of 17.36. The Credit Services industry median Net Margin % is 15.07. Creditison Co's value of 14.43% is 4.2% below this industry median. Based on the distribution chart, Creditison Co ranks #310 out of 537 companies in the Credit Services industry, which is below 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #310 out of 537 companies for Net Margin %. This places Creditison Co in the lower half of its industry. The industry median Net Margin % is 15.07. Creditison Co's value of 14.43% is 4.2% below this benchmark. Historically, Creditison Co's own Net Margin % has ranged from 5.76 to 17.36 over the past decade. While the company's 10-year median is 11.25 vs. the industry median of 15.07, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Creditison Co's current Net Margin % of 14.43% is 4.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Creditison Co and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditison Co's current Net Margin % is 14.43%, which is 28% above median its own 10-year median of 11.25. 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 Net Margin % of 14.43%. 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 Net Margin % is 14.43%, which is 28% above median its 10-year median of 11.25 and 4.2% below the Credit Services industry median of 15.07. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Creditison Co (CSASF), the current Net Margin % is 14.43% 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:
Net Margin %: 14.43% (28% above median its 10-year median of 11.25)
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
Industry Position: 4.2% below the Credit Services median (#310 of 537)
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
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CSASF has been successfully added to your 
