Market Price

10.66 

0.00 0.0%

as of Oct 04 '22

52 Week Range:

10.66 13.50


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

T&D Holdings, Inc., through its subsidiaries, provides life insurance products and services primarily in Japan. It offers comprehensive coverage, including death benefit and medical/nursing care products through in-house sales representatives for household customers; term life insurance, disability insurance, etc. through in-house sales representatives and agents for small and medium enterprises; and savings and protection type products through financial institutions and insurance shops for independent insurance agent market, as well as pet and family insurance. The company also provides policy holder confirmation services; insurance agency services; survey and research services for health and medical care; investment management, advisory, and trust services; and leasing and credit guarantee services. In addition, it offers life insurance policy clerical services, including drafting, amendment, custody and distribution of documents, and delivery of securities; and computer software and system services. The company was incorporated in 2004 and is headquartered in Tokyo, Japan.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Equity (BVPS) 14.58
19.34
23.70
growth rate 4.8% 10.7%
Earnings BIT 195,659.00
240,009.00
201,131.00
208,152.00
244,955.00
262,915.00
64,073.00
growth rate 22.7% -16.2% 3.5% 17.7% 7.3% -75.6%
Avg.PE 10.53
10.53
10.53
10.53
10.53
10.53
10.53
10.53
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
ROA 0.21
0.48
0.58
0.66
0.49
0.51
0.51
0.47
0.42
0.94
0.08
growth rate 128.6% 20.8% 13.8% -25.8% 4.1% 0.0% -7.8% -10.6% 123.8% -91.5%
ROE 4.11
7.96
8.16
7.98
5.68
6.52
6.92
6.32
5.91
12.19
0.97
growth rate 93.7% 2.5% -2.2% -28.8% 14.8% 6.1% -8.7% -6.5% 106.3% -92.0%
Cur. Ratio 832.96
410.74
711.82
765.67
2,462.44
4,331.31
growth rate -50.7% 73.3% 7.6% 221.6% 75.9%
Quick Ratio 832.96
410.74
711.82
765.67
2,462.44
4,331.31
growth rate -50.7% 73.3% 7.6% 221.6% 75.9%
Leverage 18.82
14.89
13.56
10.92
12.11
13.61
13.29
13.68
14.79
11.57
12.89
growth rate -20.9% -8.9% -19.5% 10.9% 12.4% -2.4% 2.9% 8.1% -21.8% 11.4%
Balance Sheet Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Acct.Receivable 270,414.00
141,998.00
118,318.00
127,596.00
135,979.00
181,876.00
171,316.00
growth rate -47.5% -16.7% 7.8% 6.6% 33.8% -5.8%
Acct.Payable 173,866.00
164,788.00
158,177.00
153,649.00
151,808.00
157,604.00
159,456.00
growth rate -5.2% -4.0% -2.9% -1.2% 3.8% 1.2%
Cur.Assets 1,821,699.00
1,591,434.00
1,583,783.00
1,719,589.00
1,980,681.00
2,362,200.00
2,421,186.00
growth rate -12.6% -0.5% 8.6% 15.2% 19.3% 2.5%
Total Assets 14,674,207.00
14,891,167.00
15,262,398.00
15,794,711.00
16,520,137.00
17,877,278.00
17,813,408.00
growth rate 1.5% 2.5% 3.5% 4.6% 8.2% -0.4%
Cash 1,024,692.00
862,425.00
776,510.00
824,241.00
861,770.00
1,020,246.00
890,674.00
growth rate -15.8% -10.0% 6.2% 4.6% 18.4% -12.7%
Cur.Liabilities 189,028.00
180,222.00
176,286.00
171,613.00
170,016.00
176,247.00
177,062.00
growth rate -4.7% -2.2% -2.7% -0.9% 3.7% 0.5%
Liabilities 13,460,147.00
13,794,396.00
14,109,363.00
14,635,125.00
15,396,988.00
16,324,123.00
16,423,903.00
growth rate 2.5% 2.3% 3.7% 5.2% 6.0% 0.6%
LT Debt 103,925.00
102,860.00
150,962.00
151,396.00
225,170.00
194,298.00
213,530.00
growth rate -1.0% 46.8% 0.3% 48.7% -13.7% 9.9%
Equity 1,211,465.00
1,094,034.00
1,148,640.00
1,154,195.00
1,116,817.00
1,545,706.00
1,381,909.00
growth rate -9.7% 5.0% 0.5% -3.2% 38.4% -10.6%
Common Shares 679.00
675.00
673.00
667.00
664.00
650.00
207,111.00
207,111.00
207,111.00
207,111.00
207,111.00
growth rate -0.6% -0.3% -0.9% -0.5% -2.1% 31,763.2% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Capital Expenditures 26,648.00
17,387.00
53,658.00
19,914.00
23,836.00
11,082.00
7,989.00
growth rate -34.8% 208.6% -62.9% 19.7% -53.5% -27.9%
Cash Dividends 16,650.00
28,840.00
21,926.00
24,622.00
26,629.00
26,409.00
30,655.00
growth rate 73.2% -24.0% 12.3% 8.2% -0.8% 16.1%
Cash From OA 309,441.00
343,760.00
370,127.00
576,958.00
591,097.00
500,485.00
-396,882.00
growth rate 11.1% 7.7% 55.9% 2.5% -15.3% -100.0%
FCF per Share 5.18
8.46
7.43
growth rate 8.5% -6.3%
FCF 107,596.00
630,480.00
152,038.00
588,862.00
282,793.00
326,373.00
316,469.00
557,044.00
567,261.00
489,403.00
-404,871.00
growth rate 486.0% -75.9% 287.3% -52.0% 15.4% -3.0% 76.0% 1.8% -13.7% -100.0%
Income Statement Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20 Mar '21 Mar '22
Sales 2,009,587.00
1,958,555.00
1,912,086.00
2,122,464.00
2,180,902.00
2,371,098.00
1,748,547.00
growth rate -2.5% -2.4% 11.0% 2.8% 8.7% -26.3%
Op.Income 195,659.00
240,009.00
201,131.00
208,152.00
244,955.00
262,915.00
64,073.00
growth rate 22.7% -16.2% 3.5% 17.7% 7.3% -75.6%
IBT 110,239.00
96,785.00
109,657.00
101,913.00
97,482.00
191,109.00
22,927.00
growth rate -12.2% 13.3% -7.1% -4.4% 96.1% -88.0%
Net Income 72,547.00
75,187.00
77,577.00
72,825.00
67,103.00
162,316.00
14,180.00
growth rate 3.6% 3.2% -6.1% -7.9% 141.9% -91.3%
EPS 39.41
94.47
117.31
141.18
109.32
115.59
121.81
116.16
109.07
181.34
24.36
growth rate 139.7% 24.2% 20.4% -22.6% 5.7% 5.4% -4.6% -6.1% 66.3% -86.6%
Gross Profit 480,376.00
513,686.00
472,683.00
484,056.00
534,462.00
553,576.00
368,924.00
growth rate 6.9% -8.0% 2.4% 10.4% 3.6% -33.4%

Quarterly Statements

Item Name Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Earnings BIT 48,003.00
-15,644.00
106,988.00
19,939.00
-47,210.00
growth rate -100.0% 100.0% -81.4% -100.0%
Balance Sheet Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Acct.Receivable 181,876.00
201,024.00
200,341.00
203,744.00
171,316.00
growth rate 10.5% -0.3% 1.7% -15.9%
Acct.Payable 157,604.00
147,514.00
146,834.00
150,876.00
159,456.00
growth rate -6.4% -0.5% 2.8% 5.7%
Cur.Assets 2,362,200.00
2,459,166.00
2,572,085.00
2,454,110.00
2,421,186.00
growth rate 4.1% 4.6% -4.6% -1.3%
Total Assets 17,877,278.00
17,926,458.00
18,234,339.00
18,249,119.00
17,813,408.00
growth rate 0.3% 1.7% 0.1% -2.4%
Cash 1,020,246.00
1,039,204.00
1,142,940.00
971,542.00
890,674.00
growth rate 1.9% 10.0% -15.0% -8.3%
Cur.Liabilities 176,247.00
154,869.00
154,062.00
158,472.00
177,062.00
growth rate -12.1% -0.5% 2.9% 11.7%
Liabilities 16,324,123.00
16,388,539.00
16,601,522.00
16,618,219.00
16,423,903.00
growth rate 0.4% 1.3% 0.1% -1.2%
LT Debt 194,298.00
157,000.00
157,000.00
157,000.00
213,530.00
growth rate -19.2% 0.0% 0.0% 36.0%
Equity 1,545,706.00
1,530,482.00
1,625,195.00
1,623,262.00
1,381,909.00
growth rate -1.0% 6.2% -0.1% -14.9%
Common Shares 207,111.00
207,111.00
207,111.00
207,111.00
207,111.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Income Statement Mar '21 Jun '21 Sep '21 Dec '21 Mar '22
Sales 665,905.00
566,076.00
533,802.00
568,045.00
80,624.00
growth rate -15.0% -5.7% 6.4% -85.8%
Op.Income 48,003.00
-15,644.00
106,988.00
19,939.00
-47,210.00
growth rate -100.0% 100.0% -81.4% -100.0%
IBT 27,331.00
-25,712.00
75,487.00
32,691.00
-59,539.00
growth rate -100.0% 100.0% -56.7% -100.0%
Net Income 21,350.00
-32,552.00
63,543.00
23,222.00
-40,033.00
growth rate -100.0% 100.0% -63.5% -100.0%
Gross Profit 125,954.00
117,396.00
123,660.00
113,726.00
14,142.00
growth rate -6.8% 5.3% -8.0% -87.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (4.22)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.31 9.31
EPS / Growth 1.15

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.1% 3.1% 3.1%
Future PE 0.01 5.17 5.17
Future EPS 1.55 1.55 1.55
Value Price
MOS %
0.00
-100.0%
1.98
-81.4%
1.98
-81.4%
MOS Price 0.00 0.99 0.99
IRT 8.09 8.09 8.09

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

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Risk / Reward Ratios

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