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Credit Rating (Bankruptcy Risk): 財形住宅金融 (Annual ) Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: 財形住宅金融 (Annual ) (Non-Consolidated )

Special note

Net sales has dropped 5 consecutive terms. The business have high risk.

Net Assets have increased 5consecutive terms. The fiscal base is getting better.

[Date: 2013-03-31]  Danger : Warning : Caution : Good

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -2 B) & Operating Cash Flow (¥ -1 B) is a minus, Interest-bearing Debt (¥ 1 B) is first term Interest-bearing Debt (¥ 1 B) more , there is a possibility that the financing is very severe.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -1 B) and Investment Cash Flow (¥ -50 M) is minus, Net Income (¥ 206 M) is plus. Because it is unnatural that profits have come out in this situation, the possibility of holding the non-performing asset is very high.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -1 B) is a minus, Other Current Assets (¥ 630 B) - more than 66% of Total Assets (¥ 633 B) is occupied , the possibility of holding the non-performing asset is very high.

Management Risk (*Sales is decrease )
Sales (¥ 12 B) is first term Sales (¥ 14 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 11 B) is first term Gross Income (¥ 13 B) less , there is a possibility that the management situation has stagnated and deteriorated

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 630 B) is Operating Cash Flow (¥ -1 B) is a minus, Sales (¥ 12 B) more , there is a possibility of holding the non-performing asset.

[Date: 2012-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 14 B) is first term Sales (¥ 15 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 203 M) is first term Net Income (¥ 303 M) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (1.44％) is first term Net Profit Margin (1.94％) less , there is a possibility that the profitability has deteriorated.

[Date: 2011-03-31]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 15 B) is first term Sales (¥ 16 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 15 B) is first term Gross Income (¥ 16 B) less , there is a possibility that the management situation has stagnated and deteriorated

[Date: 2010-03-31]  Danger : Warning : Caution : Good

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -4 B) and Investment Cash Flow (¥ -19 M) is minus, Net Income (¥ 217 M) is plus. Because it is unnatural that profits have come out in this situation, the possibility of holding the non-performing asset is very high.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -4 B) is a minus, Other Current Assets (¥ 805 B) - more than 66% of Total Assets (¥ 806 B) is occupied , the possibility of holding the non-performing asset is very high.

Management Risk (*Sales is decrease )
Sales (¥ 16 B) is first term Sales (¥ 17 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 217 M) is first term Net Income (¥ 294 M) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (1.30％) is first term Net Profit Margin (1.73％) less , there is a possibility that the profitability has deteriorated.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 805 B) is Operating Cash Flow (¥ -4 B) is a minus, Sales (¥ 16 B) more , there is a possibility of holding the non-performing asset.

[Date: 2009-03-31]

*Financial Statement Risk was not found.