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

Financial Timeline

Financial Statement Risk Analysis: Pocket Card (Annual ) (Consolidated )

[Date: 2012-02-29]  Danger : Warning : Caution : Good

Financing Risk (*Issuance of new shares)
Financial Cash Flow (¥ -6 B) is a minus, Issuance of new shares (¥ 6 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.

Management Risk (*Sales is decrease )
Sales (¥ 35 B) is first term Sales (¥ 37 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 33 B) is first term Gross Income (¥ 44 B) less , there is a possibility that the management situation has stagnated and deteriorated

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -3 B) & Financial Cash Flow (¥ -6 B) is a minus, Operating Cash Flow (¥ 13 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 13 B) , Dividend (¥ -584 M) is paid.

Financing Risk (*Interest-bearing Debt more)
Sales first term ratio (¥ -2 B) & Operating Cash Flow first term ratio (¥ -7 B) is a minus, Interest-bearing Debt (¥ 131 B) is first term Interest-bearing Debt (¥ 110 B) more , there is a possibility that the financing has deteriorated very much.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 22 B) is Sales first term ratio (¥ -2 B) more , there is a possibility that the non-performing asset was increased.

[Date: 2010-02-28]  Danger : Warning : Caution : Good

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Net Income (¥ -4 B) is a minus, Other Current Assets (¥ 183 B) - more than 66% of Total Assets (¥ 200 B) is occupied , the possibility of holding the non-performing asset is very high.

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -4 B) is minus or 0, so , there is a possibility that the management situation is severe.

Financing Good (*Operating Cash Flow is plus )
Investment Cash Flow (¥ -947 M) & Financial Cash Flow (¥ -20 B) is a minus, Operating Cash Flow (¥ 20 B) is a plus,

Dividend Risk
Under the situation of Net Income (¥ -4 B) & Operating Cash Flow (¥ 20 B), Dividend (¥ -503 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 183 B) is Net Income (¥ -4 B) is a minus, Sales (¥ 37 B) more , there is a possibility of holding the non-performing asset.

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

Financial Timeline

Financial Statement Risk Analysis: Pocket Card (Annual ) (Non-Consolidated )

Special note

Net sales has dropped 4 consecutive terms. The business have high risk.

The change of Current Profit is going too far. The management situation is unstable.

Net Assets have increased 4consecutive terms. The fiscal base is getting better.

[Date: 2013-02-28]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 31 B) is first term Sales (¥ 32 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 28 B) is first term Gross Income (¥ 30 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 (¥ -16 B) is a minus, Operating Cash Flow (¥ 17 B) is a plus,

Dividend
Under the situation of Net Income (¥ 2 B) & Operating Cash Flow (¥ 17 B) , Dividend (¥ -665 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets first term ratio (¥ 51 B) is Sales first term ratio (¥ -550 M) more , there is a possibility that the non-performing asset was increased.

[Date: 2012-02-29]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 32 B) is first term Sales (¥ 35 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Income is decrease )
Net Income (¥ 333 M) is first term Net Income (¥ 1 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Net Profit Margin is decrease )
Net Profit Margin (1.04％) is first term Net Profit Margin (3.68％) less , there is a possibility that the profitability has deteriorated.

Dividend
Under the situation of Net Income (¥ 333 M) & Operating Cash Flow (-) , Dividend (¥ -584 M) is paid.

[Date: 2011-02-28]  Danger : Warning : Caution : Good

Management Risk (*Sales is decrease )
Sales (¥ 35 B) is first term Sales (¥ 37 B) less , there is a possibility that the management situation has stagnated and deteriorated

Management Risk (*Gross Income is decrease )
Gross Income (¥ 33 B) is first term Gross Income (¥ 44 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 (¥ -17 B) is a minus, Operating Cash Flow (¥ 18 B) is a plus,

Dividend
Under the situation of Net Income (¥ 1 B) & Operating Cash Flow (¥ 18 B) , Dividend (¥ -503 M) is paid.

[Date: 2010-02-28]  Danger : Warning : Caution : Good

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Net Income (¥ -4 B) is a minus, Other Current Assets (¥ 183 B) - more than 66% of Total Assets (¥ 199 B) is occupied , the possibility of holding the non-performing asset is very high.

Management Risk (*Net Income is minus or 0 )
Net Income (¥ -4 B) is minus or 0, so , there is a possibility that the management situation is severe.

Dividend
Under the situation of Net Income (¥ -4 B) & Operating Cash Flow (-) , Dividend (¥ -503 M) is paid.

Non-performing asset Risk (*Accounts Receivable and Inventory, etc. confirmed content)
Other Current Assets (¥ 183 B) is Net Income (¥ -4 B) is a minus, Sales (¥ 37 B) more , there is a possibility of holding the non-performing asset.