The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear¥2,206.33Fair value¥7,256.51Bull¥8,502.60
FairClose
52-week traded range
52W low ¥3,586.0052W high ¥4,844.00
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading below the consensus fair value
Credit Saison Co.,Ltd. closed at ¥4,595.00, 36.7% below the consensus fair value of ¥7,256.51 drawn from 8 valuation models.
Financial DNA score 45/100 — Average. P/E of 10.8x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
¥8,438.41
+83.6%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥5,906.22
+28.5%
√(22.5 × EPS × BVPS)
EPS=425.13, BVPS=3646.83
P/E Fair Value
¥8,502.60
+85.0%
EPS × 20x (sector P/E)
EPS=425.13, Sector P/E=20x
Peter Lynch (PEG)
¥6,347.19
+38.1%
EPS × Growth% (PEG = 1 is fair)
EPS=425.13, g=14.9%
Dividend Discount (DDM)
¥7,022.08
+52.8%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=130.04, r=10%, g=8%
Book Value (P/B)
¥2,206.33
-52.0%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=3646.83, ROE=8.4%, g=6%, r=10%
Reverse DCF
¥4,595.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -1.2% | Historical: 14.9%
Margin of Safety
¥5,711.81
+24.3%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=7615.74, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.