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Credit Rating Analysis: AIFUL (Annual )

The details of credit rating (bankruptcy risk) can be checked. A credit rating in nine stages (AAA-C).

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Credit Rating (Bankruptcy Risk): AIFUL (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	CCC	Credit is fragile, and depended on biz environs.	¥ 99 B -12.61%	¥ 17 B 4.84%	¥ 22 B 30.55%

Financial Timeline

Date	2012-12-31  (Third quarter )	2013-03-31  (Annual )	2013-06-30  (First quarter )	2013-09-30  (Second quarter )
Credit Rating	C	CCC	B	CC
Total Assets	¥ 642 B	¥ 645 B	¥ 614 B	¥ 602 B
Net Assets	¥ 111 B	¥ 105 B	¥ 114 B	¥ 123 B

Financial Statement Risk Analysis: AIFUL (Annual ) (Consolidated )

Special note

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

The change of Net income is going too far. The management situation is unstable.

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -38 B) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 99 B) is first term Sales (¥ 114 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 84 B) is first term Gross Income (¥ 97 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -1 B) & Financial Cash Flow (¥ -46 B) is a minus, Operating Cash Flow (¥ 21 B) is a plus,

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -61 B) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Financing Risk (*Issuance of new shares)
Financial Cash Flow (¥ -128 B) is a minus, Issuance of new shares (¥ 258 M) is plus. Because a possibility of having appropriated the capital-increase fund for repayment of borrowed money is high , there is a possibility that the financing is extremely severe.

Management Risk (*Sales is decrease )
Sales (¥ 114 B) is first term Sales (¥ 144 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 97 B) is first term Gross Income (¥ 169 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Risk (*Issuance of new shares)
Investment Cash Flow (¥ 2 B) is a plus, Issuance of new shares (¥ 258 M) is plus. Because it is thought that the circulating fund is gained by sale and new issue of stocks of stock property , there is a possibility that the financing is severe.

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -79 B) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Management Risk (*Net Income & Sales is sharp decrease )
As compared with the first term of Sales (¥ 144 B) , Sales (¥ 218 B) is less than 80%, and As compared with the first term of Net Income (¥ -295 B) , Net Income (¥ -31 B) is less than 10%, , there is a possibility that the management situation has deteriorated very much.

Management Risk (*Sales is decrease )
Sales (¥ 144 B) is first term Sales (¥ 218 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 169 B) is first term Gross Income (¥ 483 B) less , there is a possibility that the management situation has stagnated and deteriorated

Non-performing asset Risk
Net Income (¥ -31 B) is a minus, Other Current Assets (¥ 560 B) - more than 50% of Total Assets (¥ 858 B) is occupied , there is a possibility of holding the non-performing asset.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 560 B) is Net Income (¥ -31 B) is a minus, Sales (¥ 144 B) more , there is a possibility of holding the non-performing asset.

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -46 B) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Management Risk (*Net Income & Sales is sharp decrease )
As compared with the first term of Sales (¥ 218 B) , Sales (¥ 312 B) is less than 80%, and As compared with the first term of Net Income (¥ 4 B) , Net Income (¥ -295 B) is less than 10%, , there is a possibility that the management situation has deteriorated very much.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Net Income (¥ -295 B) is a minus, Other Current Assets (¥ 828 B) - more than 66% of Total Assets (¥ 1.1 T) is occupied , the possibility of holding the non-performing asset is very high.

Management Risk (*Sales is decrease )
Sales (¥ 218 B) is first term Sales (¥ 312 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ -295 B) is first term Net Income (¥ 4 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-135.32％) is first term Net Profit Margin (1.36％) less , there is a possibility that the profitability has deteriorated.

Dividend Risk
Under the situation of Net Income (¥ -295 B) & Operating Cash Flow (¥ 256 B), Dividend (¥ -1 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 828 B) is Net Income (¥ -295 B) is a minus, Sales (¥ 218 B) more , there is a possibility of holding the non-performing asset.

[Date: 2009-03-31]  Danger : Warning : Caution : Good

Financing Risk (*Issuance of new shares)
Financial Cash Flow (¥ -366 B) is a minus, Issuance of new shares (¥ 70 B) is plus. Because a possibility of having appropriated the capital-increase fund for repayment of borrowed money is high , there is a possibility that the financing is extremely severe.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -37 M) & Financial Cash Flow (¥ -366 B) is a minus, Operating Cash Flow (¥ 240 B) is a plus,

Dividend
Under the situation of Net Income (¥ 4 B) & Operating Cash Flow (¥ 240 B) , Dividend (¥ -5 B) is paid.

Credit Rating (Bankruptcy Risk): AIFUL (Annual ) Consolidated | Non-Consolidated

Date	Credit Rating	Comment	Sales	Current Profit	Net Income
2013-03-31	CCC	Credit is fragile, and depended on biz environs.	¥ 62 B -13.68%	¥ 12 B 4.52%	¥ 10 B -20.57%

Financial Timeline

Date	-  (First quarter )	-  (Second quarter )	-  (Third quarter )	2013-03-31  (Annual )
Credit Rating	-	-	-	CCC
Total Assets	-	-	-	¥ 519 B
Net Assets	-	-	-	¥ 90 B

Financial Statement Risk Analysis: AIFUL (Annual ) (Non-Consolidated )

Special note

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

The change of Net income is going too far. The management situation is unstable.

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -52 B) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 62 B) is first term Sales (¥ 72 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 10 B) is first term Net Income (¥ 13 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (17.09％) is first term Net Profit Margin (18.57％) less , there is a possibility that the profitability has deteriorated.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 24 B) is Sales first term ratio (¥ -9 B) more , there is a possibility that the non-performing asset was increased.

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -63 B) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Management Risk (*Sales is decrease )
Sales (¥ 72 B) is first term Sales (¥ 86 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 61 B) is first term Gross Income (¥ 83 B) less , there is a possibility that the management situation has stagnated and deteriorated

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -78 B) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Management Risk (*Net Income & Sales is sharp decrease )
As compared with the first term of Sales (¥ 86 B) , Sales (¥ 124 B) is less than 80%, and As compared with the first term of Net Income (¥ -261 B) , Net Income (¥ -70 B) is less than 10%, , there is a possibility that the management situation has deteriorated very much.

Management Risk (*Sales is decrease )
Sales (¥ 86 B) is first term Sales (¥ 124 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 83 B) is first term Gross Income (¥ 356 B) less , there is a possibility that the management situation has stagnated and deteriorated

Non-performing asset Risk
Net Income (¥ -70 B) is a minus, Other Current Assets (¥ 293 B) - more than 50% of Total Assets (¥ 578 B) is occupied , there is a possibility of holding the non-performing asset.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 293 B) is Net Income (¥ -70 B) is a minus, Sales (¥ 86 B) more , there is a possibility of holding the non-performing asset.

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

Management Risk (*Cumulative loss)
Earned Surplus etc. (¥ -7 B) is minus, so Cumulative loss , there is a possibility that the management situation is severe.

Management Risk (*Net Income & Sales is sharp decrease )
As compared with the first term of Sales (¥ 124 B) , Sales (¥ 177 B) is less than 80%, and As compared with the first term of Net Income (¥ 9 B) , Net Income (¥ -261 B) is less than 10%, , there is a possibility that the management situation has deteriorated very much.

Management Risk (*Sales is decrease )
Sales (¥ 124 B) is first term Sales (¥ 177 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ -261 B) is first term Net Income (¥ 9 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (-209.54％) is first term Net Profit Margin (5.45％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ -261 B) & Operating Cash Flow (-) , Dividend (¥ -1 B) is paid.

Non-performing asset Risk
Net Income (¥ -261 B) is a minus, Other Current Assets (¥ 434 B) - more than 50% of Total Assets (¥ 858 B) is occupied , there is a possibility of holding the non-performing asset.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 434 B) is Net Income (¥ -261 B) is a minus, Sales (¥ 124 B) more , there is a possibility of holding the non-performing asset.

[Date: 2009-03-31]  Danger : Warning : Caution : Good

Dividend
Under the situation of Net Income (¥ 9 B) & Operating Cash Flow (-) , Dividend (¥ -5 B) is paid.

Related Information: AIFUL (Annual )

Statement Type

Annual : AIFUL

First quarter : AIFUL

Second quarter : AIFUL

Third quarter : AIFUL

Analysis Menu

Outline : AIFUL

Statement : AIFUL

Rating : AIFUL

Indicator : AIFUL

Download : AIFUL

Industry Comparison Ranking

Banks - EDIUNET Industry Rankings

Banks - EDIUNET Credit Rating

Banks - EDIUNET Industry Avg

Comparison with a neighboring company

Kyoto - EDIUNET Prefectures

Kyoto京都市 - EDIUNET Prefectures

Related company's newest statement

Date	Company	Credit Rating	Date
1/27	The Awa Bank	BBB→A	2013-12-31 (Q3)
12/26	MOA Fund.	CC→BBB	2013-09-30
12/2	The Tajima Bank	A→CC	2013-09-30 (Q2)
11/29	THE SAGA KYOUEI BANK	BBB	2013-09-30 (Q2)
11/27	富山第一銀行	A→BB	2013-09-30 (Q2)
11/26	THE SHIZUOKACHUO BANK	A	2013-09-30 (Q2)
11/25	THE SAIKYO BANK	CCC→BBB	2013-09-30 (Q2)
11/18	THE FUKUHO BANK	CCC→BBB	2013-09-30 (Q2)
11/18	The Bank of Nagasaki	CC→B	2013-09-30 (Q2)
11/15	Mitsubishi UFJ Financia..	BBB	2013-09-30 (Q2)

EDIUNET Investment News (Banks)

1/27 Banks (The Awa Bank:BBB→A)

12/26 Banks (MOA Fund.:CC→BBB)

12/2 Banks (The Tajima Bank:A→CC)

11/29 Banks (THE SAGA KYOUEI BANK:..

11/27 Banks (富山第一銀行:A→BB)

11/26 Banks (THE SHIZUOKACHUO BANK..

11/25 Banks (THE SAIKYO BANK:CCC→B..

11/18 Banks (THE FUKUHO BANK:CCC→B..

11/15 Banks (Mitsubishi UFJ Financ..

11/14 Banks (みずほフィナンシャル..

Company Information

Ticker	Market	Industry	Month	report	Rating
AIFUL	8515	TSE 1st	Banks	3	Annual	CCC

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