Credit Saison Co.,Ltd.
8253・Prime Market・Other Financing Business
Payment Business
Credit Saison's largest core segment, centered on the credit card business
| Period | Current | Previous | Change |
|---|---|---|---|
| Net revenue (consolidated segment) | ¥277,229 million | ¥252,815 million | ↑ |
| Business profit (consolidated segment) | ¥30,625 million | ¥30,065 million | ↑ |
| Shopping transaction volume | ¥6,186,000 million (¥6,186.0 billion) | ¥5,987,041 million (up 3.3% year on year) | ↑ |
| Number of card members (at period end) | 21,800,000 (21.8 million) | 23,421,959 (down 6.9% from the end of the prior period) | ↓ |
| Number of active card members (annual) | 13,580,000 (13.58 million) | Up 0.3% year on year | ↑ |
| Number of new card members | 1,410,000 (1.41 million) | Up 2.3% year on year | ↑ |
| Shopping revolving balance (at period end) | ¥507,900 million (¥507.9 billion) | ¥490,500 million (up 3.6% from the end of the prior period) | ↑ |
| Card Cashing balance (at period end) | ¥190,800 million (¥190.8 billion) | Down 0.9% from the end of the prior period | ↓ |
| Card Cashing transaction volume | ¥146,300 million (¥146.3 billion) | Down 5.1% year on year | ↓ |
Business Details
Comprises the credit card business and various peripheral businesses closely related to it. The Company strategically promotes the construction of a high-activation, high-spend customer base centered on premium segments (GOLD card and above) and corporate customers (sole proprietors/SMEs). With diverse revenue sources including Card Shopping, Card Cashing, processing, outsourcing/agency services, and payment-related services, this is the core segment accounting for approximately 59% of the Group's net revenue. The Company is working to improve profitability through operational efficiency and promotion of main-card status via DX initiatives (CSDX Strategy and CSAX Strategy). Note that from the current fiscal year, the Rent Guarantee Business was transferred to the Finance Business.
Recent Overview
Both net revenue and business profit increased, but the number of card members continued to shrink, down 6.9% from the end of the prior period
In the Payment Business for FY2026 (ending March 2026), net revenue increased to ¥277,229 million (up 9.7% year on year) and business profit increased to ¥30,625 million (up 1.9% year on year), achieving higher revenue and profit. The effects of the revision of revolving payment fees and the introduction of card service fees for inactive members have steadily materialized, improving profitability. On the other hand, the number of card members continued to decline to 21.8 million, down 6.9% from the end of the prior period, though the annual number of active members increased 0.3% year on year, maintaining the activation rate. The Company is working to expand its customer base through collaboration with DMM.com in the digital domain and the Beisia Group in real channels. Following the transfer of the Amusement Business (Entertainment Business), the Entertainment Business segment is planned to be abolished from the next fiscal year and consolidated into the Payment Business.
Key Products
Growth Drivers
- Improved profitability from the revision of revolving payment fees and the introduction of card service fees for inactive members
- Acquisition and cultivation of high-activation, high-spend customers centered on premium segments (GOLD card and above) and corporate customers (SMEs)
- Expansion of the customer base through new partnerships with the Beisia Group, DMM.com, and others
- Operational efficiency and cost structure optimization through DX initiatives (CSDX Strategy and CSAX Strategy)
- Strengthened cross-selling of business cards and corporate-related products to the corporate market (SMEs)
- Promotion of main-card status and improved customer satisfaction through UI/UX improvements and service revisions responsive to market conditions
Risks
- Continued declining trend in the number of card members (21.8 million at the end of FY2026 (ending March 2026), down 6.9% from the end of the prior period)
- Increased funding costs due to rising interest rates and impact on customer borrowing demand
- Intensifying competition from fintech companies and new entrants from other industries (shift to competition among economic ecosystems)
- Risk of downward pressure on personal consumption due to continued price increases
- Risk of domestic economic downturn due to the impact of US trade policy
- Declining revenue contribution due to the shrinking trend in Card Cashing transaction volume and balance
Last updated: June 16, 2026