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IRRC Corp.
(7325)
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Rating:72Outperform
Price Target:
¥811.00
▼(-3.45% Downside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by improving financial performance (revenue growth, profitability and cash-flow rebound, and a generally conservative balance sheet) and supportive valuation (P/E ~14 with a ~4.38% dividend yield). Technicals are moderately positive in the near term but are constrained by the stock still trading below its longer-term moving averages and a stretched stochastic reading.
Positive Factors
Sustained Revenue Growth
Consistent multi-year revenue expansion indicates improving market reach and demand. The stronger growth in 2024–2026 provides a durable foundation for future profitability, provided the company can maintain operating discipline as sales scale.
Negative Factors
Sharp Debt Increase
The rapid increase in debt is a structural balance-sheet watch item. Even with currently manageable leverage, higher obligations could reduce flexibility and increase sensitivity to weaker earnings or cash flow if the trend persists.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Consistent multi-year revenue expansion indicates improving market reach and demand. The stronger growth in 2024–2026 provides a durable foundation for future profitability, provided the company can maintain operating discipline as sales scale.
Read all positive factors
IRRC Corp. (7325) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥6.10B
Dividend Yield4.59%
Average Volume (3M)11.01K
Price to Earnings (P/E)14.5
Beta (1Y)0.40
Revenue Growth16.33%
EPS Growth-9.58%
CountryJP
Employees643
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Life
Share Statistics
EPS (TTM)52.07
Shares Outstanding8,708,000
10 Day Avg. Volume6,480
30 Day Avg. Volume11,013
Financial Highlights & Ratios
PEG Ratio-1.42
Price to Book (P/B)1.38
Price to Sales (P/S)0.49
P/FCF Ratio9.43
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)94.2
Revenue Forecast (FY)¥13.00B
IRRC Corp. Business Overview & Revenue Model
Company 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...
IRRC Corp. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
79
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.74B | 10.96B | 9.42B | 7.92B | 6.00B | 5.20B |
| Gross Profit | 7.93B | 7.48B | 7.02B | 6.23B | 5.02B | 4.33B |
| EBITDA | 1.18B | 1.09B | 1.09B | 795.49M | 381.35M | 640.75M |
| Net Income | 426.11M | 392.00M | 435.45M | 351.62M | 16.04M | 255.98M |
Balance Sheet | ||||||
| Total Assets | 6.03B | 6.42B | 6.05B | 5.19B | 4.50B | 4.58B |
| Cash, Cash Equivalents and Short-Term Investments | 1.58B | 2.05B | 2.22B | 1.87B | 1.60B | 2.23B |
| Total Debt | 538.00M | 532.00M | 16.00M | 90.00M | 15.86M | 8.09M |
| Total Liabilities | 2.15B | 2.43B | 2.11B | 1.51B | 884.64M | 777.35M |
| Stockholders Equity | 3.80B | 3.90B | 3.88B | 3.63B | 3.59B | 3.80B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 571.28M | 1.00B | 664.27M | -89.38M | 315.71M |
| Operating Cash Flow | 0.00 | 725.50M | 1.08B | 983.74M | 208.10M | 614.60M |
| Investing Cash Flow | 0.00 | -1.14B | -461.52M | -651.67M | -421.59M | -359.67M |
| Financing Cash Flow | 0.00 | 138.42M | -262.02M | -62.06M | -419.31M | -94.47M |
IRRC Corp. Technical Analysis
Negative
840.00
Price Trends
687.02
Positive
734.36
Negative
791.33
Negative
Market Momentum
1.45
Positive
49.17
Neutral
33.78
Neutral
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 above the 20-day moving average (MA) of 701.75, above the 50-day MA of 687.02, and above the 200-day MA of 791.33, indicating a neutral trend. The MACD of 1.45 indicates Positive momentum. The RSI at 49.17 is Neutral, neither overbought nor oversold. The STOCH value of 33.78 is Neutral, 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥6.10B | 14.51 | ― | 2.85% | 16.33% | -9.58% | |
68 Neutral | ¥6.57T | 11.92 | 11.07% | 2.83% | 16.92% | 66.45% | |
67 Neutral | ¥2.33T | 16.31 | 9.01% | 2.55% | 6.25% | 17.99% | |
67 Neutral | ¥52.40B | 16.96 | 14.36% | 2.20% | 21.02% | 46.82% | |
65 Neutral | ¥120.96B | 15.79 | ― | ― | 12.32% | 19.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
50 Neutral | ¥1.79T | 10.88 | ― | 2.44% | -5.90% | 27.69% |
* General Sector Average
JP:7325
IRRC Corp.
697.00
-136.17
-16.34%
JP:8750
Dai-ichi Life Holdings
1,816.50
616.25
51.34%
JP:8795
T&D Holdings
4,848.00
1,054.40
27.79%
JP:7326
SBI Insurance Group Co., Ltd.
2,113.00
540.54
34.38%
JP:7157
Lifenet Insurance Company
1,494.00
-861.00
-36.56%
JP:7181
JAPAN POST INSURANCE Co., Ltd.
1,669.00
320.16
23.74%
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.