IRRC Corp. (JP:7325)
:7325
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IRRC Corp.
(7325)
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Rating:73Outperform
Price Target:
¥832.00
▼(-0.95% Downside)
Action:Reiterated
Date:11/18/25
IRRC Corp.'s strong financial performance is the most significant factor, supported by stable revenue growth and efficient cost management. Technical analysis indicates some bearish momentum, but no extreme conditions. Valuation is fair, with a reasonable P/E ratio and a decent dividend yield.
Positive Factors
Revenue growth
Sustained high revenue growth (~18.8%) signals durable demand and successful product or distribution positioning in its life-insurance markets. Over 2-6 months this growth supports scale economies, premium inflows and re-investment capacity, strengthening long-term underwriting and service expansion.
Negative Factors
Relatively low net profit margin
A subdued net margin limits retained earnings and reduces room to absorb underwriting volatility or invest in growth initiatives. Over several months, low profitability constrains capital formation and may force trade-offs between dividends, reserve strengthening and business development.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth
Sustained high revenue growth (~18.8%) signals durable demand and successful product or distribution positioning in its life-insurance markets. Over 2-6 months this growth supports scale economies, premium inflows and re-investment capacity, strengthening long-term underwriting and service expansion.
Read all positive factors
IRRC Corp. (7325) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥6.50B
Dividend Yield2.85%
Average Volume (3M)11.01K
Price to Earnings (P/E)14.4
Beta (1Y)0.38
Revenue Growth18.77%
EPS Growth0.17%
CountryJP
Employees554
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)53.00
Shares Outstanding8,708,000
10 Day Avg. Volume6,480
30 Day Avg. Volume11,013
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)1.52
Price to Sales (P/S)0.63
P/FCF Ratio5.91
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)62.3
Revenue Forecast (FY)¥11.30B
IRRC Corp. Business Overview & Revenue Model
Company Description
IRRC Corporation engages in life insurance agency business in Japan. The company offers products through directly operated shops; and provides non-life insurance agency and insurance sales support services. It also offers Smart OCR, an electronic ...
IRRC Corp. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
82
Very Positive
| Breakdown | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 9.42B | 7.92B | 6.00B | 5.20B | 4.63B |
| Gross Profit | 7.02B | 6.23B | 5.02B | 4.33B | 3.95B |
| EBITDA | 1.09B | 795.49M | 381.35M | 640.75M | 572.17M |
| Net Income | 435.45M | 351.62M | 16.04M | 255.98M | 233.32M |
Balance Sheet | |||||
| Total Assets | 6.05B | 5.19B | 4.50B | 4.58B | 4.28B |
| Cash, Cash Equivalents and Short-Term Investments | 2.22B | 1.87B | 1.60B | 2.23B | 2.07B |
| Total Debt | 16.00M | 90.00M | 15.86M | 8.09M | 4.60M |
| Total Liabilities | 2.11B | 1.51B | 884.64M | 777.35M | 650.01M |
| Stockholders Equity | 3.88B | 3.63B | 3.59B | 3.80B | 3.63B |
Cash Flow | |||||
| Free Cash Flow | 1.00B | 664.27M | -89.38M | 315.71M | 123.61M |
| Operating Cash Flow | 1.08B | 983.74M | 208.10M | 614.60M | 433.66M |
| Investing Cash Flow | -461.52M | -651.67M | -421.59M | -359.67M | -360.66M |
| Financing Cash Flow | -262.02M | -62.06M | -419.31M | -94.47M | -107.14M |
IRRC Corp. Technical Analysis
Negative
840.00
Price Trends
853.96
Negative
858.21
Negative
855.09
Negative
Market Momentum
-28.55
Positive
23.44
Positive
5.07
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7325, the sentiment is Negative. The current price of 840 is below the 20-day moving average (MA) of 842.95, below the 50-day MA of 853.96, and below the 200-day MA of 855.09, indicating a bearish trend. The MACD of -28.55 indicates Positive momentum. The RSI at 23.44 is Positive, neither overbought nor oversold. The STOCH value of 5.07 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7325.
IRRC Corp. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥6.06T | 11.86 | 10.61% | 3.26% | 10.30% | 3.49% | |
74 Outperform | ¥58.30B | 16.91 | 6.16% | 1.10% | 4.70% | 44.87% | |
73 Outperform | ¥6.50B | 14.41 | ― | 2.85% | 18.77% | 0.17% | |
71 Outperform | ¥147.34B | 22.43 | ― | ― | 14.78% | 34.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.98T | 14.15 | 7.91% | 2.74% | -6.35% | 16.15% | |
46 Neutral | ¥1.68T | 8.47 | ― | 2.44% | -12.57% | 42.29% |
* Financial Sector Average
JP:7325
IRRC Corp.
746.00
51.85
7.47%
JP:8750
Dai-ichi Life Holdings
1,650.50
614.10
59.25%
JP:8795
T&D Holdings
4,118.00
966.97
30.69%
JP:7326
SBI Insurance Group Co., Ltd.
2,349.00
1,206.81
105.66%
JP:7157
Lifenet Insurance Company
1,834.00
-172.00
-8.57%
JP:7181
JAPAN POST INSURANCE Co., Ltd.
1,526.50
525.89
52.56%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.