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Credit Rating (Bankruptcy Risk): 東京海上日動火災保険 (Annual ) Consolidated | Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: 東京海上日動火災保険 (Annual ) (Consolidated )

Special note

Net sales has increased 4 consecutive terms. The performance is good.

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

Management Risk (*Net Income is decrease )
Net Income (¥ 19 B) is first term Net Income (¥ 76 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (0.67％) is first term Net Profit Margin (2.85％) less , there is a possibility that the profitability has deteriorated.

Financing Risk (*Operating Cash Flow is minus or 0 ＆Net Income is decrease )
Net Income (¥ 19 B) is first term Net Income (¥ 76 B) less, however Operating Cash Flow (¥ -59 B) is compensated for Investment Cash Flow (¥ 14 B) etc. , there is a possibility that the financing is severe.

Dividend Risk
Under the situation of Net Income (¥ 19 B) & Operating Cash Flow (¥ -59 B), Dividend (¥ -71 B) is paid.

Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 2.9 T) is first term (¥ 2.6 T) more, however Operating Cash Flow (¥ -59 B) is first term (¥ 37 B) less , there is a possibility that the financing has deteriorated very much.

Financing Risk (*Sale of stock property)
Operating Cash Flow (¥ -59 B) is minus, Investment Cash Flow (¥ 14 B) is plus. Because the main occupation was dull, stock property may have been sold off.

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

Management Risk (*Net Income is decrease )
Net Income (¥ 76 B) is first term Net Income (¥ 143 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (2.85％) is first term Net Profit Margin (5.39％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 76 B) & Operating Cash Flow (¥ 37 B) , Dividend (¥ -116 B) is paid.

Financing Risk (*Operating Cash Flow is decrease )
Sales (¥ 2.6 T) is first term (¥ 2.6 T) more, however Operating Cash Flow (¥ 37 B) is first term (¥ 83 B) less , there is a possibility that the financing has deteriorated very much.

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

Management Risk (*Gross Income is decrease )
Gross Income (¥ 2.4 T) is first term Gross Income (¥ 2.4 T) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 143 B) & Operating Cash Flow (¥ 83 B) , Dividend (¥ -22 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 407 B) is Sales first term ratio (¥ 88 B) more , there is a possibility that the non-performing asset was increased.

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

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Operating Cash Flow (¥ -15 B) and Investment Cash Flow (¥ -925 B) is minus, Net Income (¥ 78 B) 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.

Financing Risk (*Financial Cash Flow is plus )
Operating Cash Flow (¥ -15 B) is a minus, Financial Cash Flow (¥ 33 B) is a plus. Because sale is inactive, it may depend for financing on loan from banks, capital increase, etc.

Dividend Risk
Under the situation of Net Income (¥ 78 B) & Operating Cash Flow (¥ -15 B), Dividend (¥ -126 B) is paid.

Credit Rating (Bankruptcy Risk): 東京海上日動火災保険 (Annual ) Consolidated | Non-Consolidated

Financial Timeline

Financial Statement Risk Analysis: 東京海上日動火災保険 (Annual ) (Non-Consolidated )

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

Management Risk (*Net Income is decrease )
Net Income (¥ 23 B) is first term Net Income (¥ 100 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (0.91％) is first term Net Profit Margin (4.34％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 23 B) & Operating Cash Flow (-) , Dividend (¥ -71 B) is paid.

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

Dividend
Under the situation of Net Income (¥ 100 B) & Operating Cash Flow (-) , Dividend (¥ -116 B) is paid.

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

Management Risk (*Sales is decrease )
Sales (¥ 2.2 T) is first term Sales (¥ 2.3 T) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 2.1 T) is first term Gross Income (¥ 2.2 T) less , there is a possibility that the management situation has stagnated and deteriorated

Dividend
Under the situation of Net Income (¥ 94 B) & Operating Cash Flow (-) , Dividend (¥ -22 B) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 378 B) is Sales first term ratio (¥ -109 B) more , there is a possibility that the non-performing asset was increased.

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

Dividend
Under the situation of Net Income (¥ 71 B) & Operating Cash Flow (-) , Dividend (¥ -126 B) is paid.