Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

FRA/QC9 stock hub

FRA/QC9 has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

Browse stocks

FRA/QC9is not in this month’s coverageGet our monthly research letter — no spam

Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

3.4B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/QC9

In the news

Latest news · FRA/QC9

Recent company headlines from major financial publishers.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E10.7

P25 n/aP50 n/aP75 n/a

ROE7.8

P25 n/aP50 n/aP75 n/a

ROIC2.2

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/QC9 market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

199

Groups with data

Currency

JPY

Showing 199 of 199 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Japan
Country code	DE
Employees	3,624
Employees Change	-2,514%
Employees Change Percent	-40.96
Enterprise value	EUR 22.5B
Exchange	Frankfurt Stock Exchange
Financial currency	JPY
First seen	2026-05-10
Industry	Personal Credit Institutions
Last refreshed	2026-05-10
Market cap	EUR 3.4B
Price	EUR 23.2
Price currency	EUR
Rev Per Employee	802,553.04x
Sic	6141
Symbol	fra/QC9
Website	https://corporate.saisoncard.co.jp

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.32%
EV Earnings	71.83x
EV/EBIT	28.76x
EV/EBITDA	23.23x
EV/Sales	7.74x
P/B ratio	0.82x
P/E ratio	10.73x
P/S ratio	1.15x
PE Ratio10 Y	7.86x
PE Ratio3 Y	7.97x
PE Ratio5 Y	7.13x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	24.49%
EBITDA Margin	30.89%
Gross margin	86.49%
Gross Profit	EUR 2.5B
Gross Profit Growth	13.98%
Gross Profit Growth Q	58.47%
Gross Profit Growth3 Y	18.75%
Gross Profit Growth5 Y	13.84%
Net Income	EUR 312.9M
Net Income Growth	-15.96%
Net Income Growth Q	-26.42%
Net Income Growth3 Y	8.83%
Net Income Growth5 Y	21.03%
Pretax Margin	15.73%
Profit Margin	10.76%
Profit Per Employee	EUR 86,341
ROA	1.7
Roa5y	0.81
ROCE	2.83
ROE	7.85
Roe5y	8.33
ROIC	2.16
Roic5y	1.12

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	7.28%
Cagr15y	7.38%
Cagr1y	15.14%
Cagr20y	-0.72%
Cagr3y	27.25%
Cagr5y	23.6%
Div CAGR10	9.21%
Div CAGR3	3.21%
Div CAGR5	11.79%
EPS Growth	-8.64
EPS Growth Q	-20.69
EPS Growth3 Y	11.07
EPS Growth5 Y	22.53
Revenue Growth	12.44x
Revenue Growth Q	3.83x
Revenue Growth3 Y	12.82x
Revenue Growth5 Y	9.62x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.11
Assets	EUR 26.8B
Cash	EUR 545.1M
Current Assets	EUR 22.7B
Current Liabilities	EUR 1.7B
Debt	EUR 19.6B
Debt EBITDA	EUR 21.82
Debt Equity	EUR 4.78
Equity	EUR 4.1B
Interest Coverage	2.66
Liabilities	EUR 22.7B
Long Term Assets	EUR 4.2B
Long Term Liabilities	EUR 21.1B
Net Cash	EUR -19.1B
Net Cash By Market Cap	EUR -568
Net Debt EBITDA	EUR 21.22
Net Debt Equity	EUR 4.65
Tangible Book Value	EUR 3.4B
Tangible Book Value Per Share	EUR 23.59

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	13.46
Inventory Turnover	0.44
Net Working Capital	EUR 20.5B
Quick ratio	12.87
Working Capital	EUR 21.1B
Working Capital Turnover	EUR 0

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	8.01%
Dividend Growth	-4.29%
Dividend Growth Years	4%
Dividend per share	EUR 0.7
Dividend Years	26
Dividend Yield	3.04%
Ex Div Date	2026-03-30
Last Dividend	EUR 0.7
Payout Frequency	Annual

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	101.97%
1Y total return	15.13%
200-day SMA	22.65
3Y total return	106.09%
50-day SMA	23.32
50-day SMA vs 200-day SMA	50over200
5Y total return	188.43%
All Time High	46.05
All Time High Change	-49.62%
All Time High Date	2006-04-04
All Time Low	4.89
All Time Low Change	374.44%
All Time Low Date	2009-02-24
ATR	0.23
Ch YTD	1.75
High	23.2
High52	26.4
High52 Date	2026-02-16
High52ch	-12.12%
Low	23.2
Low52	19.6
Low52 Date	2025-11-18
Low52ch	18.37%
Ma50ch	-0.5%
Price vs 200-day SMA	2.42%
RSI	50.62
RSI Monthly	56.15
RSI Weekly	51.01
Sharpe ratio	0.41x
Sortino ratio	0.8
Total Return	11.05%
Tr YTD	5.03
Tr15y	191.03%
Tr1m	0.87%
Tr3m	0.62%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 712.3M
Operating Income Growth	20.34
Operating Income Growth Q	58.94
Operating Income Growth3 Y	46.48
Operating Income Growth5 Y	38.65
Operating margin	24.49

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	143,397,971%
Shares Insiders	0.16%
Shares Institutions	67.53%
Shares Qo Q	-1.09%
Shares Yo Y	-8.01%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	0x
Bv Per Share	28
Ch10y	46.66
Ch15y	95.45
Ch1m	0.87
Ch1y	11.54
Ch20y	-46.73
Ch3m	-2.52
Ch3y	87.1
Ch5y	140.4
Ch6m	9.43
Change	-0.85%
Change From Open	0
Close	23.4
Days Gap	-0.85
Depreciation Amortization	185,594,648.2
Earnings Date	2026-05-15
EBIT	EUR 712.3M
EBITDA	EUR 898.5M
EPS	EUR 2.12
F Score	5
Fiscal Year End	March
Founded	1,951
Graham Number	37.11118
Graham Upside	59.96
Income Tax	EUR 141.3M
Is Primary Listing	0
Last Earnings Date	2026-02-13
Last Report Date	2025-12-31
Lynch Fair Value	EUR 45.46
Lynch Upside	95.95
Ma150	22.7
Ma150ch	2.21%
Ma20	23.13
Ma20ch	0.3%
Next Earnings Date	2026-05-15
Open	23.2
Payment Date	2026-06-26
Ppne	164,509,944.3
Price Date	2026-05-08
Price EBITDA	EUR 3.74
Ptbv Ratio	0.99
Relative Volume	20x
Revenue	2,908,452,217x
Tax By Revenue	4.86x
Tax Rate	30.88%
Tr20y	-13.47%
Tr6m	12.96%
Volume	0
Z Score	1.4

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/QC9 dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.0%

$0.70 annual per share

Payout ratio

n/a

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+11.8%

4 consecutive years of growth

Total shareholder yield

+11.0%

Next ex-dividend date: 2026-03-30

Performance

FRA/QC9 stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/QC9?

Insider, institutional, and short-interest positioning.

Institutional ownership

+67.5%

Share of float held by funds and institutions

Insider ownership

+0.2%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-8.0%

Negative means the company is buying back shares.

Technical

FRA/QC9 momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

50.6

Neutral momentum band

Price vs 200-day MA

+2.4%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.41

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/QC9

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/QC9 stock rating?

fra/QC9 is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/QC9 analysis?

The full report lives at /stocks/fra/QC9/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/QC9?

The latest report frames fra/QC9 around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/QC9 page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.