Credit Saison Co., Ltd. (8253.T) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-26). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Credit Saison Co., Ltd. under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2026-03-31. 8253.T files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_finance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 519.36% | 30.00% | Fail |
| Interest-bearing investments | 16.24% | 30.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 72.52% | 33.00% | Fail |
| Interest-bearing investments | 2.27% | 33.00% | Pass |
| Non-liquid assets | 19.68% | at least 20.00% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 72.52% | 33.33% | Fail |
| Cash + interest-bearing securities | 2.27% | 33.33% | Pass |
| Accounts receivable | 80.32% | 33.33% | Fail |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 72.52% | 33.33% | Fail |
| Cash + interest-bearing securities | 2.27% | 33.33% | Pass |
| Accounts receivable | 80.32% | 50.00% | Fail |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 624.28% | 33.00% | Fail |
| Cash + interest-bearing securities | 19.52% | 33.00% | Pass |
| Accounts receivable | 671.89% | 33.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 700.64% | 33.00% | Fail |
| Cash + interest-bearing securities | 21.91% | 49.00% | Pass |
| Accounts receivable | 754.08% | 49.00% | Fail |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 700.64% | 33.33% | Fail |
| Cash + interest-bearing securities | 21.91% | 33.33% | Pass |
| Accounts receivable | 775.99% | 49.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 46.50 | NEUTRAL |
| Stochastic %K (14) | 31.87 | NEUTRAL |
| CCI (20) | -139.24 | BUY |
| Williams %R (14) | -68.13 | NEUTRAL |
| MACD (12,26,9) | -19.38 | SELL |
| ROC (10) | -3.10 | SELL |
| Momentum (10) | -147.00 | SELL |
| EMA (10) | 4621.04 | SELL |
| SMA (10) | 4628.10 | SELL |
| EMA (20) | 4641.88 | SELL |
| SMA (20) | 4664.00 | SELL |
| EMA (30) | 4637.11 | SELL |
| SMA (30) | 4660.37 | SELL |
| EMA (50) | 4600.08 | SELL |
| SMA (50) | 4648.22 | SELL |
| EMA (100) | 4490.85 | BUY |
| SMA (100) | 4459.36 | BUY |
| EMA (200) | 4297.04 | BUY |
| SMA (200) | 4303.55 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Credit Services
Credit Saison Co., Ltd. provides leasing, finance, real estate, entertainment, global, and payment services in Japan and internationally. It operates through the Payment, Lease, Finance, Real Estate-Related, Global, and Entertainment segments. The company also engages in the credit card and related business; leasing of office equipment; credit guarantee and finance related businesses; real estate and real estate leasing business; lending and investment businesses; and development and management of amusement centers and arcades. In addition, it is involved in the import and sale of lifestyle goods; cleaning, security, and property maintenance services; asset management; debt collection; personal loans; life/non-life insurance agency; online ticket system and payment services; digital lending; and offshore lending. The company was formerly known as Seibu Credit Co., Ltd. and changed its name to Credit Saison Co., Ltd. in October 1989. Credit Saison Co., Ltd. was incorporated in 1951 and is headquartered in Tokyo, Japan.
Background via Yahoo Finance — informational, not part of the verdict.
Research only, not the primary verdict above — SEC EDGAR (the source for the main in-house research card, if shown) has no data for this symbol, so this is computed from a real, country-specific filing instead. Business-activity screening isn't part of this check.
Based on the filing period ending 2026-05-31, figures in JPY.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.