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IRRC Corporation (7325.T)

JPY708.00 +3.00 (+0.43%)
JP JPX Financial Services Insurance - Life
Address Hongo Center Building 113-0033
Tokyo, JP
CEO Ryuji Katsumoto
Website irrc.co.jp
IPO 2018-09-25
ISIN JP3105230001

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Description

Headquartered in Tokyo, Japan, IRRC Corporation operates as a prominent life insurance agency within the country. The company not only distributes its products through proprietary retail locations but also provides non-life insurance brokerage and essential sales support services to the broader insurance sector. Furthermore, IRRC develops and supplies sophisticated technological tools designed for the insurance industry. These include Smart OCR for electronic document management, the Hoken IQ System for insurance analysis and search, AS-BOX for streamlining insurance applications, and the AS System, which aids financial institutions and various insurance agencies in analyzing life insurance scenarios and formulating proposals. The corporation has been in operation since its founding in 1995.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY708.00 +3.00 (+0.43%)
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Volume Profile
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Liquidity & share structure
Average Volume
6.0K
Beta
0.26
Float Shares
1.89M
Free Float %
23.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.64% -8.98% -8.55% -11.82% -9.70% -5.83% +8.95% +9.71% -29.94% -21.33% -21.33%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
708.00
DCF (Unlevered) 1,182.39 +67.0%
DCF (Levered) 3,897.15 +450.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2025-12 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
4.99
Safe zone
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Life: +10.6%
    +19.0% Q1'26: +22.2% (vs Q1'25)
  • EPS growth Insurance - Life: +13.4%
    +24.3% Q1'26: -14.7% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Life: +31.7%
    +10.3% Q1'26: +0.0% (vs Q1'25)
  • EBIT margin Insurance - Life: +12.4%
    +7.9% Q1'26: +7.5% (vs Q1'25)
  • ROIC Insurance - Life: +1.0%
    +28.0% Q1'26: +18.4% (vs Q1'25)
  • Share dilution Insurance - Life: +0.4%
    -1.1% Q1'26: -1.7% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×
    0.01× Q1'26: 0.42× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.29) × ERP
WACC = 100% × Ke + 0% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1,179.78 Current price: 708.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jun 2019
actual
Jun 2020
actual
Jun 2021
actual
Jun 2022
actual
Jun 2023
actual
Jun 2024
actual
Jun 2025
actual
Jun 2026
1 Rev. Ana.
1 EPS Ana.
Jun 2027
1 Rev. Ana.
1 EPS Ana.
Jun 2028
1 Rev. Ana.
1 EPS Ana.
Jun 2029
1 Rev. Ana.
1 EPS Ana.
Jun 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
3.82B
est.
4.17B
est: 4.11B (+1.3%)
4.63B
est: 4.50B (+2.9%)
5.20B
est: 5.20B (0.0%)
6.00B
est: 5.90B (+1.8%)
7.92B
est: 7.90B (+0.3%)
9.42B
est: 9.30B (+1.3%)
11.30B
11.30B – 11.30B
+21.5% YoY
13.00B
13.00B – 13.00B
+15.0% YoY
15.20B
15.20B – 15.20B
+16.9% YoY
17.40B
17.40B – 17.40B
+14.5% YoY
19.60B
19.60B – 19.60B
+12.6% YoY
EBITDA
401.80M
est.
658.72M
est: 433.06M (+52.1%)
572.17M
est: 473.70M (+20.8%)
640.75M
est: 547.38M (+17.1%)
381.35M
est: 621.07M (-38.6%)
795.49M
est: 831.60M (-4.3%)
1.09B
est: 978.98M (+11.3%)
1.19B
1.19B – 1.19B
+21.5% YoY
1.37B
1.37B – 1.37B
+15.0% YoY
1.60B
1.60B – 1.60B
+16.9% YoY
1.83B
1.83B – 1.83B
+14.5% YoY
2.06B
2.06B – 2.06B
+12.6% YoY
EBIT
241.98M
est.
485.01M
est: 260.81M (+86.0%)
366.00M
est: 285.28M (+28.3%)
403.48M
est: 329.65M (+22.4%)
115.00M
est: 374.03M (-69.3%)
495.00M
est: 500.82M (-1.2%)
741.62M
est: 589.57M (+25.8%)
716.36M
716.36M – 716.36M
+21.5% YoY
824.13M
824.13M – 824.13M
+15.0% YoY
963.60M
963.60M – 963.60M
+16.9% YoY
1.10B
1.10B – 1.10B
+14.5% YoY
1.24B
1.24B – 1.24B
+12.6% YoY
Net Income
318.74M
est.
323.21M
est: 284.32M (+13.7%)
233.32M
est: 249.91M (-6.6%)
255.98M
est: 288.42M (-11.2%)
16.04M
est: 94.23M (-83.0%)
351.62M
est: 217.13M (+61.9%)
435.45M
est: 419.52M (+3.8%)
510.47M
510.47M – 510.47M
+21.7% YoY
771.85M
771.85M – 771.85M
+51.2% YoY
1.05B
1.05B – 1.05B
+36.3% YoY
1.33B
1.33B – 1.33B
+26.6% YoY
1.61B
1.61B – 1.61B
+21.1% YoY
SGA
1.68B
est.
3.12B
est: 1.81B (+72.5%)
3.57B
est: 1.98B (+80.3%)
est: 2.28B (-100.0%)
est: 2.59B (-100.0%)
5.74B
est: 3.47B (+65.3%)
6.63B
est: 4.09B (+62.2%)
4.96B
4.96B – 4.96B
+21.5% YoY
5.71B
5.71B – 5.71B
+15.0% YoY
6.68B
6.68B – 6.68B
+16.9% YoY
7.65B
7.65B – 7.65B
+14.5% YoY
8.61B
8.61B – 8.61B
+12.6% YoY
EPS
38.90
est.
37.86
est: 34.70 (+9.1%)
27.33
est: 30.50 (-10.4%)
29.94
est: 35.20 (-14.9%)
1.85
est: 11.50 (-83.9%)
42.36
est: 26.50 (+59.8%)
53.14
est: 51.20 (+3.8%)
62.30
62.30 – 62.30
+21.7% YoY
94.20
94.20 – 94.20
+51.2% YoY
128.40
128.40 – 128.40
+36.3% YoY
162.60
162.60 – 162.60
+26.6% YoY
196.90
196.90 – 196.90
+21.1% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-18 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-05-15 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-05-14 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-05-13 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-05-12 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-05-11 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-05-08 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-05-07 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-05-01 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-04-30 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-04-28 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-04-27 A- 4/5 5/5 4/5 5/5 3/5 2/5 2/5
2026-04-24 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-23 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-22 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-21 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-20 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-17 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5
2026-04-16 A- 4/5 5/5 4/5 5/5 2/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
209.41M
OE per share TTM
25.24
Owner's Yield
3.26%
Maintenance CapEx ratio
35.61%
Maint CapEx / Avg PPE
9.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.34M
Shares Outstanding
8.18M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Katsuhiro Hanzawa CCO, Vice President, GM of Sales Headquarters & Director male
Kenjiro Takebe Vice President, GM of Management Office & Solutions Business Division and Director
Naoaki Aihara Chief Financial Officer, GM of Management Headquarters & Director male
Nobuhiro Katsumoto Chief Technology Officer, Head of System Headquarters & Director male
Ryuji Katsumoto Chief Executive Officer, President & Representative Director male
Yasuhiro Kii Chief Operating Officer & Director male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits