Prices as of 2026/10/30 close
Company comparison · Consumer Finance & Credit
Credit Saison is the largest by revenue at ¥546.3B, followed by Acom (¥337.7B) and Orico (¥247.6B).
Acom has the highest operating margin at 29.7%, 23.9 points above the lowest, Orico (5.8%).
Revenue growth in the latest results: Credit Saison +11.0%, Acom +6.3%, Orico +1.0%. For next year, Credit Saison guides for the fastest operating profit growth (+7.8%).
Acom pays the most on average (¥6.90M), ¥0.87M more than Credit Saison (¥6.03M).
Over the past year the shares moved Credit Saison +12.3%, Acom +2.6%, Muninova −13.0%, Orico −20.8%.
Head-to-head wins16 metrics
One win per metric for the company with the best value. Metrics with no better or worse (P/E, average age, employees) are excluded.
ScaleInvestors
Credit Saison aheadCredit Saison 2 : Acom 1 : Orico 0 : Muninova 0
Revenue: Credit Saison ¥546.3B / Acom ¥337.7B / Orico ¥247.6B
ProfitabilityInvestors
Acom aheadCredit Saison 0 : Acom 3 : Orico 0 : Muninova 0
Operating margin: Credit Saison 18.7% / Acom 29.7% / Orico 5.8%
GrowthInvestors
Credit Saison aheadCredit Saison 3 : Acom 2 : Orico 0 : Muninova 0
Revenue growth (YoY): Credit Saison +11.0% / Acom +6.3% / Orico +1.0%
Stock & balance sheetInvestors
EvenCredit Saison 1 : Acom 1 : Orico 0 : Muninova 0
Share price, 1 year: Credit Saison +12.3% / Acom +2.6% / Orico −20.8% / Muninova −13.0%
Pay & workforceJob seekers
Acom aheadCredit Saison 0 : Acom 2 : Orico 1 : Muninova 0
Average salary: Credit Saison ¥6.03M / Acom ¥6.90M / Orico ¥6.66M
| Metric | Credit Saison | Acom | Orico | Muninova |
|---|---|---|---|---|
| Revenue | ◎¥546.3B | ¥337.7B | ¥247.6B | — |
| Operating profit | ◎¥102.0B | ¥100.4B | ¥14.4B | — |
| Net income | ¥62.8B | ◎¥79.6B | ¥12.9B | — |
| Metric | Credit Saison | Acom | Orico | Muninova |
|---|---|---|---|---|
| Operating margin | 18.7% | ◎29.7% | 5.8% | — |
| Net margin | 11.5% | ◎23.6% | 5.2% | — |
| ROE | — | — | 5.3% | — |
| Revenue per employee | ¥151M | ◎¥162M | ¥64M | — |
| Metric | Credit Saison | Acom | Orico | Muninova |
|---|---|---|---|---|
| Revenue growth (YoY) | ◎+11.0% | +6.3% | +1.0% | — |
| Operating profit growth (YoY) | +8.9% | ◎+71.4% | +17.0% | — |
| Revenue CAGRlast 5 years | ◎+14.1% | +4.9% | — | — |
| Guidance: revenue growthnext FY plan | −7.1% | ◎+5.4% | +5.0% | — |
| Guidance: op. profit growthnext FY plan | ◎+7.8% | −2.4% | +3.8% | — |
| Metric | Credit Saison | Acom | Orico | Muninova |
|---|---|---|---|---|
| Share price, 1 year | ◎+12.3% | +2.6% | −20.8% | −13.0% |
| Share price, 3 months | −9.6% | ◎−9.5% | −16.4% | −11.9% |
| P/E (trailing)lower = cheaper | — | — | 10.2x | — |
| Equity ratio | — | — | 9.0% | — |
| Share price (close) | ¥4,139 | ¥443.2 | ¥767 | ¥394 |
◎ marks the best value for each metric. Revenue and profit are from the latest full-year earnings release; share prices are closing-price references; P/E = latest close ÷ trailing EPS. For banks and some other financials, revenue means ordinary income.
| Metric | Credit Saison | Acom | Orico | Muninova |
|---|---|---|---|---|
| Average salary | ¥6.03M | ◎¥6.90M | ¥6.66M | — |
| Starting salary (monthly) | ¥246,000 | ◎¥270,000 | ¥250,000 | — |
| Average tenure | 14.9 yrs | 15.2 yrs | ◎17.3 yrs | — |
| Average age | 44.1 | 41.2 | 43.1 | — |
| Employees | 3,624 | 2,088 | 3,866 | — |
Average salary is for the reporting (parent) company and is affected by average age and job mix. Holding companies with few employees are left out of the salary comparison.
Close (Oct 30, 2026)
¥4,139+12.3% (1Y)
Credit Saison +12.3% over 1Y. Compared: Acom +2.6%, Orico -20.8%, Muninova -13.0%.
Reference chart of daily closing prices, not real-time quotes (split-adjusted; weekly closes before the last year). Each line shows the % change from the start of the period. Updated Oct 30, 2026.
Credit Saison4 segments
Acom4 segments
AAverage annual salary from the securities filings: Acom ¥6.90M, Orico ¥6.66M, Credit Saison ¥6.03M. Acom pays the most. Averages also depend on staff age and job mix, so check the average age too (Credit Saison 44.1, Acom 41.2, Orico 43.1).
ARevenue in the latest results: Credit Saison ¥546.3B, Acom ¥337.7B, Orico ¥247.6B. Credit Saison is the largest by revenue at ¥546.3B, followed by Acom (¥337.7B) and Orico (¥247.6B).
AOperating margins: Acom 29.7%, Credit Saison 18.7%, Orico 5.8%. Acom turns the highest share of sales into operating profit.
AShare price change over the past year (closing prices, for reference): Credit Saison +12.3%, Acom +2.6%, Muninova −13.0%, Orico −20.8%. Credit Saison has risen the most.
Comparing 4 companies (up to 4)
Sources: earnings releases (kessan tanshin), annual securities reports and other public information. Share prices are closing-price references, not real-time. Our data may contain errors; investment decisions are your own responsibility.
