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Creditison CoCSASF 86 Peter Lynch Fair Value is $35.87 as of Aug. 02, 2026, which is 11109% above its 10-year median of 0.32. 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 179 Credit Services companies, Creditison Co ranks better than 72.63% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Creditison Co's PEG is 1. Creditison Co's 5-Year TTM EBITDA Growth Rate is 7.93.
Creditison Co's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was $4.52. Therefore, the Peter Lynch Fair Value for today is $35.87.
As of today (2026-08-02), Creditison Co's share price is $23.61. Creditison Co's Peter Lynch fair value is $35.87. Therefore, Creditison Co's Price to Peter Lynch Fair Value Ratio for today is 0.66.
The historical rank and industry rank for Creditison Co's Peter Lynch Fair Value or its related term are showing as below:
CSASF'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.17 Med: 0.32 Max: 0.51
Current: 0.39
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Creditison Co was 0.51. The lowest was 0.17. And the median was 0.32.
CSASF's Price-to-Peter-Lynch-Fair-Value is ranked better than 72.63% of 179
companies
in the Credit Services industry
Industry Median: 0.71
vs CSASF: 0.39
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Creditison Co (OTCPK:CSASF) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 7.93 instead of 15 in this case.
Creditison Co's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
23.61
/
35.87
=
0.66
* 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 Peter Lynch Fair Value Related Terms
Creditison Co Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Creditison Co's Peter Lynch Fair Value 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.
CSASF vs V, MA, AXP: Peter Lynch Fair Value Comparison
For the Credit Services subindustry, Creditison Co's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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-Peter-Lynch-Fair-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Creditison Co's Price-to-Peter-Lynch-Fair-Value falls into.
Creditison Co's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.52.
* 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.
** Please be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $35.87 mean?
Creditison Co (CSASF) has a Peter Lynch Fair Value of $35.87 as of Aug. 02, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Creditison Co and its competitors. This is 11109% above median its historical median of 0.32. Over the past decade, Creditison Co's Peter Lynch Fair Value has ranged from 0.17 to 0.51. According to the industry distribution chart, Creditison Co ranks #49 out of 179 companies in the Credit Services industry, placing it in the top 27.4%.
Is Creditison Co's Peter Lynch Fair Value too high?
Creditison Co's current Peter Lynch Fair Value of $35.87 is 11109% above median its 10-year median of 0.32. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 0.51. The Credit Services industry median Peter Lynch Fair Value is 0.71. Creditison Co's value of $35.87 is 4952.1% above this industry median. Based on the distribution chart, Creditison Co ranks #49 out of 179 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 Peter Lynch Fair Value compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #49 out of 179 companies for Peter Lynch Fair Value. This puts Creditison Co in the upper half of its industry. The industry median Peter Lynch Fair Value is 0.71. Creditison Co's value of $35.87 is 4952.1% above this benchmark. Historically, Creditison Co's own Peter Lynch Fair Value has ranged from 0.17 to 0.51 over the past decade. While the company's 10-year median is 0.32 vs. the industry median of 0.71, 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 Peter Lynch Fair Value for a Credit Services company?
The median Peter Lynch Fair Value among Credit Services companies is 0.71, based on 179 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Creditison Co's current Peter Lynch Fair Value of $35.87 is 4952.1% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Creditison Co and its competitors. For the Credit Services industry, the median Peter Lynch Fair Value is 0.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditison Co's current Peter Lynch Fair Value is $35.87, which is 11109% above median its own 10-year median of 0.32. 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 Peter Lynch Fair Value of $35.87. 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 Peter Lynch Fair Value is $35.87, which is 11109% above median its 10-year median of 0.32 and 4952.1% above the Credit Services industry median of 0.71. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Creditison Co (CSASF), the current Peter Lynch Fair Value is $35.87 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:
Peter Lynch Fair Value: $35.87 (11109% above median its 10-year median of 0.32)
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
Industry Position: 4952.1% above the Credit Services median (#49 of 179)
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
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