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Creditison CoCSASF 85 Price-to-Tangible-Book is 0.83 as of Aug. 13, 2026, which is 7% below its 10-year median of 0.89. GuruFocus rates CSASF with a GF Score™ of 85/100 and a GF Value™ of $22.24. The stock has 7 warning signs investors should review. Among 514 Credit Services companies, Creditison Co ranks better than 54.09% on this metric.
Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Creditison Co Price-to-Tangible-Book Related Terms
Creditison Co Price-to-Tangible-Book Historical Data
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The historical data trend for Creditison Co's Price-to-Tangible-Book 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: Price-to-Tangible-Book Comparison
For the Credit Services subindustry, Creditison Co's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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-Tangible-Book vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Creditison Co's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Creditison Co (CSASF) has a Price-to-Tangible-Book of 0.83 as of Aug. 13, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Creditison Co and its competitors. This is near median its historical median of 0.89. Over the past decade, Creditison Co's Price-to-Tangible-Book has ranged from 0.51 to 1.33. According to the industry distribution chart, Creditison Co ranks #236 out of 514 companies in the Credit Services industry, placing it in the top 45.9%.
Is Creditison Co's Price-to-Tangible-Book too high?
Creditison Co's current Price-to-Tangible-Book of 0.83 is near median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.33. The Credit Services industry median Price-to-Tangible-Book is 1.12. Creditison Co's value of 0.83 is 25.6% below this industry median. Based on the distribution chart, Creditison Co ranks #236 out of 514 companies in the Credit Services industry, which is above the industry midpoint. Overall, Creditison Co has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does Creditison Co's Price-to-Tangible-Book compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #236 out of 514 companies for Price-to-Tangible-Book. This puts Creditison Co in the upper half of its industry. The industry median Price-to-Tangible-Book is 1.12. Creditison Co's value of 0.83 is 25.6% below this benchmark. Historically, Creditison Co's own Price-to-Tangible-Book has ranged from 0.51 to 1.33 over the past decade. While the company's 10-year median is 0.89 vs. the industry median of 1.12, 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 Price-to-Tangible-Book for a Credit Services company?
The median Price-to-Tangible-Book among Credit Services companies is 1.12, based on 514 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Creditison Co's current Price-to-Tangible-Book of 0.83 is 25.6% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Creditison Co and its competitors. For the Credit Services industry, the median Price-to-Tangible-Book is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditison Co's current Price-to-Tangible-Book is 0.83, which is near median its own 10-year median of 0.89. 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 Price-to-Tangible-Book of 0.83. The stock's GF Value™ is $22.24, compared to a current price of $23.61 — trading 6.2% above its estimated fair value. The current Price-to-Tangible-Book is 0.83, which is near median its 10-year median of 0.89 and 25.6% below the Credit Services industry median of 1.12. Creditison Co's overall GF Score™ is 85/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Creditison Co (CSASF), the current Price-to-Tangible-Book is 0.83 as of Aug. 13, 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 6.2% above its estimated GF Value™ of $22.24.
Key valuation signals for CSASF:
Price-to-Tangible-Book: 0.83 (near median its 10-year median of 0.89)
GF Value™: $22.24 vs. price of $23.61 (6.2% above fair value)
Industry Position: 25.6% below the Credit Services median (#236 of 514)
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.
85GF Score
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