Prices as of 2026/10/30 close
Company comparison · Consumer Finance & Credit
Credit Saison is the bigger company, with revenue of ¥546.3B — 12.4x PREMIER's ¥44.0B.
PREMIER earns more on each yen of sales, with an operating margin of 19.1% — 0.4 points above Credit Saison (18.7%).
Revenue growth in the latest results: PREMIER +21.0%, Credit Saison +11.0%.
PREMIER pays more on average — ¥8.02M against ¥6.03M at Credit Saison.
Over the past year the shares moved PREMIER +16.0%, Credit Saison +12.3%.
Head-to-head wins14 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 3 : PREMIER 0
Revenue: Credit Saison ¥546.3B / PREMIER ¥44.0B
ProfitabilityInvestors
PREMIER aheadCredit Saison 0 : PREMIER 3
Operating margin: Credit Saison 18.7% / PREMIER 19.1%
GrowthInvestors
PREMIER aheadCredit Saison 0 : PREMIER 3
Revenue growth (YoY): Credit Saison +11.0% / PREMIER +21.0%
Stock & balance sheetInvestors
PREMIER aheadCredit Saison 0 : PREMIER 2
Share price, 1 year: Credit Saison +12.3% / PREMIER +16.0%
Pay & workforceJob seekers
PREMIER aheadCredit Saison 1 : PREMIER 2
Average salary: Credit Saison ¥6.03M / PREMIER ¥8.02M
| Metric | Credit Saison | PREMIER | Gap |
|---|---|---|---|
| Revenue | ◎¥546.3B | ¥44.0B | 12.4x |
| Operating profit | ◎¥102.0B | ¥8.4B | 12.1x |
| Net income | ◎¥62.8B | ¥6.1B | 10.3x |
| Metric | Credit Saison | PREMIER | Gap |
|---|---|---|---|
| Operating margin | 18.7% | ◎19.1% | 0.4pt |
| Net margin | 11.5% | ◎13.8% | 2.3pt |
| ROE | — | 27.5% | |
| Revenue per employee | ¥151M | ◎¥344M | 2.3x |
| Metric | Credit Saison | PREMIER | Gap |
|---|---|---|---|
| Revenue growth (YoY) | +11.0% | ◎+21.0% | 10.0pt |
| Operating profit growth (YoY) | +8.9% | ◎+23.2% | 14.3pt |
| Revenue CAGRlast 5 years | +14.1% | — | |
| Guidance: revenue growthnext FY plan | −7.1% | ◎+15.8% | 22.9pt |
| Guidance: op. profit growthnext FY plan | +7.8% | — |
| Metric | Credit Saison | PREMIER | Gap |
|---|---|---|---|
| Share price, 1 year | +12.3% | ◎+16.0% | 3.7pt |
| Share price, 3 months | −9.6% | ◎+10.6% | 20.2pt |
| P/E (trailing)lower = cheaper | — | 14.5x | |
| Equity ratio | — | 12.7% | |
| Share price (close) | ¥4,139 | ¥2,273 |
◎ 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 | PREMIER | Gap |
|---|---|---|---|
| Average salary | ¥6.03M | ◎¥8.02M | ¥1.99M |
| Starting salary (monthly) | ¥246,000 | ◎¥300,000 | ¥54,000 |
| Average tenure | ◎14.9 yrs | 7.9 yrs | 7.0 |
| Average age | 44.1 | 36.7 | 7.4 |
| Employees | 3,624 | 128 | 28.3x |
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: PREMIER +16.0%.
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
PREMIER3 segments
AAverage annual salary from the securities filings: PREMIER ¥8.02M, Credit Saison ¥6.03M. PREMIER pays the most. Averages also depend on staff age and job mix, so check the average age too (Credit Saison 44.1, PREMIER 36.7).
ARevenue in the latest results: Credit Saison ¥546.3B, PREMIER ¥44.0B. Credit Saison is the bigger company, with revenue of ¥546.3B — 12.4x PREMIER's ¥44.0B.
AOperating margins: PREMIER 19.1%, Credit Saison 18.7%. PREMIER turns the highest share of sales into operating profit.
AShare price change over the past year (closing prices, for reference): PREMIER +16.0%, Credit Saison +12.3%. PREMIER has risen the most.
Comparing 2 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.
