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Advance Create Co., Ltd.
(8798)
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Rating:43Neutral
Price Target:
Â¥135.00
â–¼(-52.96% Downside)
Action:Upgraded
Date:08/28/26
The score is primarily constrained by weak financial performance—loss-making operations, high leverage (including negative equity), and negative operating/free cash flow. Technical indicators are mildly supportive in the short term but do not offset the broader downtrend versus longer-term moving averages. A high P/E with no dividend yield further limits the valuation appeal.
Positive Factors
Multi-channel insurance distribution
A multi-channel model can broaden customer reach and reduce dependence on a single acquisition route. Maintaining online and customer-contact channels supports scalable distribution and may improve resilience as customer preferences evolve over the next several months.
Negative Factors
Declining revenue and persistent losses
Sustained revenue contraction alongside negative profitability indicates that the distribution platform is not currently converting activity into adequate earnings. Without a durable recovery in sales and margins, resources for investment and competitive improvement may remain constrained.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-channel insurance distribution
A multi-channel model can broaden customer reach and reduce dependence on a single acquisition route. Maintaining online and customer-contact channels supports scalable distribution and may improve resilience as customer preferences evolve over the next several months.
Read all positive factors
Advance Create Co., Ltd. (8798) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
Â¥5.17B
Dividend YieldN/A
Average Volume (3M)72.81K
Price to Earnings (P/E)45.0
Beta (1Y)1.04
Revenue Growth-2.18%
EPS Growth96.76%
CountryJP
Employees229
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)-68.95
Shares Outstanding37,468,200
10 Day Avg. Volume58,790
30 Day Avg. Volume72,806
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)12.55
Price to Sales (P/S)1.06
P/FCF Ratio-1.80
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)N/A
Revenue Forecast (FY)N/A
Advance Create Co., Ltd. Business Overview & Revenue Model
Company Description
Advance Create Co., Ltd. is a Japanese enterprise primarily engaged in the insurance brokerage sector. The company's operations are divided into five distinct divisions: Insurance Agency, Application Service Provider (ASP), Media, Media Representa...
How the Company Makes Money
Advance Create primarily makes money as an insurance agency/intermediary by earning commissions and related fees from insurance carriers when customers purchase and maintain insurance policies arranged through the company. Key revenue streams typi...
Advance Create Co., Ltd. Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
40
Negative
Cash Flow
35
Negative
| Breakdown | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 6.61B | 7.86B | 10.37B | 11.86B | 11.02B |
| Gross Profit | 5.07B | 5.78B | 6.41B | 9.22B | 8.57B |
| EBITDA | -546.37M | -2.12B | -2.17B | 2.44B | 2.35B |
| Net Income | -1.54B | -2.25B | -2.43B | 1.31B | 1.30B |
Balance Sheet | |||||
| Total Assets | 10.29B | 6.86B | 8.48B | 10.45B | 10.32B |
| Cash, Cash Equivalents and Short-Term Investments | 5.34B | 994.48M | 1.24B | 2.27B | 3.34B |
| Total Debt | 5.72B | 4.24B | 2.32B | 1.67B | 1.34B |
| Total Liabilities | 9.73B | 11.83B | 10.81B | 9.62B | 7.34B |
| Stockholders Equity | 559.50M | -4.97B | 4.64B | 834.00M | 2.97B |
Cash Flow | |||||
| Free Cash Flow | -3.91B | -2.32B | -907.72M | -255.43M | 1.22B |
| Operating Cash Flow | -3.90B | -1.67B | -206.71M | 364.64M | 1.64B |
| Investing Cash Flow | -135.96M | -117.13M | -668.80M | -391.92M | -485.56M |
| Financing Cash Flow | 8.42B | 1.51B | -217.50M | -956.43M | -488.70M |
Advance Create Co., Ltd. Technical Analysis
Neutral
287.00
Price Trends
129.66
Positive
144.96
Negative
178.15
Negative
Market Momentum
4.11
Negative
54.43
Neutral
61.37
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8798, the sentiment is Neutral. The current price of 287 is above the 20-day moving average (MA) of 136.45, above the 50-day MA of 129.66, and above the 200-day MA of 178.15, indicating a neutral trend. The MACD of 4.11 indicates Negative momentum. The RSI at 54.43 is Neutral, neither overbought nor oversold. The STOCH value of 61.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8798.
Advance Create Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥52.45B | 16.98 | 14.36% | 2.20% | 21.02% | 46.82% | |
73 Outperform | ¥6.82B | 9.21 | ― | 0.72% | 14.97% | 72.48% | |
67 Neutral | ¥51.44B | 11.24 | 4.89% | 4.00% | 11.61% | 62.61% | |
65 Neutral | ¥120.07B | 15.65 | ― | ― | 12.32% | 19.35% | |
60 Neutral | ¥82.98B | 20.36 | ― | 0.82% | 11.00% | 48.24% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
43 Neutral | ¥5.17B | 45.05 | ― | ― | -2.18% | 96.76% |
* General Sector Average
JP:8798
Advance Create Co., Ltd.
141.00
-219.00
-60.83%
JP:7326
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2,878.00
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Lifenet Insurance Company
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Anicom Holdings, Inc.
1,102.00
204.81
22.83%
Advance Create Co., Ltd. Corporate Events
Advance Create Lifts New Premiums as Marketing Efficiency Surges in July
Aug 21, 2026
Advance Create Co., Ltd. reported that in July 2026 its insurance agency operations generated a 5% month-on-month and 20% year-on-year increase in total annualized new premiums, driven by stronger face-to-face and collaborative sales despite a sha...
Advance Create Revises Impact Figures in Prior-Year Amendment Notice
Aug 18, 2026
Advance Create Co., Ltd. has issued a correction to an earlier notice regarding amendment reports for prior-year securities filings and related financial results. The company identified errors in the stated impact amounts and percentage changes fo...
Advance Create Issues Further Corrections to 2021 Financial Results, Highlighting Turnaround from Prior-Year Loss
Aug 17, 2026
Advance Create Co., Ltd. has announced further partial corrections to its previously disclosed summary of consolidated financial results for the year ended September 30, 2021, originally released in November 2021. The latest adjustments, effective...
Advance Create Issues Further Corrections to 2022 Financial Results, Revealing Losses
Aug 17, 2026
Advance Create Co., Ltd. announced further partial corrections to its previously disclosed summary of consolidated financial results for the year ended September 30, 2022, originally released in November 2022. The company stated that these correct...
Advance Create Issues Further Corrections to FY2023 Results as Losses Deepen Despite Higher Sales
Aug 17, 2026
Advance Create Co., Ltd. has issued another partial correction to its consolidated financial results summary for the fiscal year ended September 30, 2023, following earlier amendments that took effect in February 2025. The company referred stakeho...
Advance Create Issues Further Corrections to Q1 FY2023 Financial Results
Aug 17, 2026
Advance Create Co., Ltd. announced that it has made additional partial corrections to its previously disclosed summary of consolidated financial results for the three months ended December 31, 2023, under Japanese GAAP. The company cited earlier c...
Advance Create issues further corrections to semi-annual financial results
Aug 17, 2026
Advance Create Co., Ltd. announced additional corrections to its previously disclosed summary of consolidated financial results for the six months ended March 31, 2024, following earlier amendments effective February 28, 2025. The company cited a ...
Advance Create Issues Further Corrections as Nine-Month Results Remain in the Red
Aug 17, 2026
Advance Create Co., Ltd. announced that it has made additional partial corrections to its previously disclosed consolidated financial results for the nine months ended June 30, 2024, following earlier corrections that became effective on February ...
Advance Create Revises FY2024 Results as Losses Narrow but Remain
Aug 17, 2026
Advance Create Co., Ltd. announced that it has partially corrected its previously disclosed summary of consolidated financial results for the fiscal year ended September 30, 2024, originally released on February 28, 2025. The company cited a separ...
Advance Create Revises Quarterly Results, Confirms Losses After Prior-Year Corrections
Aug 17, 2026
Advance Create Co., Ltd. announced it has partially corrected its consolidated financial results for the three months ended December 31, 2024, originally disclosed on May 15, 2025. The company cited previously announced correction reports for prio...
Advance Create Revises Interim Results, Confirms Deeper First-Half Losses
Aug 17, 2026
Advance Create Co., Ltd. announced it has partially corrected its previously disclosed consolidated financial results for the six months ended March 31, 2025, initially released on May 15, 2025. The company directed stakeholders to a separate noti...
Advance Create Revises Results as Nine-Month Loss Widens
Aug 17, 2026
Advance Create Co., Ltd. has announced partial corrections to its previously disclosed consolidated financial results for the three months ended December 31, 2025, and released revised figures for the nine months ended June 30, 2025, under Japanes...
Advance Create Issues Further Corrections to FY2025 Financial Results, Confirms Continued Losses
Aug 17, 2026
Advance Create Co., Ltd. announced further corrections to its consolidated financial results for the fiscal year ended September 30, 2025, following earlier amendments made effective November 27, 2025. The company referenced prior disclosure on co...
Advance Create Revises Past Results as Quarterly Profitability Rebounds
Aug 17, 2026
Advance Create Co., Ltd. announced partial corrections to its previously disclosed consolidated financial results for the nine months ended June 30, 2025, citing background and reasons detailed in a separate correction notice for prior-year securi...
Advance Create Books One-Off Gains and Losses Amid Accounting Probe Fallout
Aug 14, 2026
Advance Create Co., Ltd., a Japanese financial services group active in insurance distribution and advertising through its subsidiary Hoken Ichiba Co., Ltd., maintains listings on the Tokyo, Sapporo and Fukuoka markets, underscoring its establishe...
Advance Create Completes Delayed Semiannual Securities Filing
Aug 14, 2026
Advance Create Co., Ltd. has completed the filing of its semiannual securities report for the 31st fiscal period, covering the fiscal year ending September 30, 2026, with the Director-General of the Kinki Local Finance Bureau on August 14, 2026. T...
Advance Create Maintains Zero Interim Dividend and Extends Suspension of Shareholder Benefits
Aug 14, 2026
Advance Create Co., Ltd. announced that its Board of Directors has decided not to pay an interim dividend for the fiscal year ending September 30, 2026, setting the dividend per share at zero yen as of the March 31, 2026 record date. This continue...
Advance Create Narrows Interim Loss on Higher Insurance Sales and Policy Retention
Aug 14, 2026
Advance Create Co., Ltd., an insurance agency operator, reported solid interim performance for the second quarter of the fiscal year ending September 30, 2026. The company’s revenue model centers on sales from its branches and maintaining lo...
Advance Create Narrows Losses and Targets Return to Profit in FY2026
Aug 14, 2026
Advance Create Co., Ltd. is listed on the Tokyo, Sapporo and Fukuoka stock exchanges and operates in Japan’s financial services sector. The company focuses on insurance and related financial products, leveraging online platforms and structur...
Advance Create Restates Multiple Years of Results After Accounting Probe
Aug 14, 2026
Advance Create Co., Ltd., together with its advertising subsidiary Hoken Ichiba Co., Ltd., has disclosed that past accounting practices related to certain advertising transactions and software asset capitalization were deemed inappropriate followi...
Advance Create Flags Internal Control Weaknesses and Amends Reports
Aug 14, 2026
Advance Create Co., Ltd., a Japanese financial services provider listed on multiple domestic exchanges, operates under strict disclosure and internal control regulations that shape its approach to financial reporting. Its governance structure and ...
Advance Create Sets Governance Reforms After Accounting Misconduct Probe
Aug 13, 2026
Advance Create Co., Ltd. disclosed that a third-party committee investigation found inappropriate accounting practices related to past advertising transactions and software asset capitalization at the company and its advertising subsidiary Hoken I...
Advance Create Delays Third-Quarter Financial Results Amid Broad Report Corrections
Aug 13, 2026
Advance Create Co., Ltd. has announced a delay in disclosing its financial results for the nine months ended June 30, 2026, with publication now expected more than 45 days after the close of the third quarter. The postponement reflects the company...
Advance Create Releases Probe Findings and Prepares Broad Restatement After Accounting Irregularities
Aug 4, 2026
Advance Create Co., Ltd. has disclosed the findings of a third-party investigation into past accounting practices at the parent company and its wholly owned advertising subsidiary, Hoken Ichiba Co., Ltd., following earlier suspicions about revenue...
Advance Create Releases Probe Findings on Accounting Irregularities and Sets Filing Timeline
Jul 31, 2026
Advance Create Co., Ltd. has received a report from an independent third-party committee investigating suspected inappropriate accounting practices related to past advertising transactions and software asset capitalization at the company and its s...
Advance Create Posts Strong June Growth in Insurance ANP on Collaborative and Face-to-Face Sales
Jul 21, 2026
Advance Create Co., Ltd. reported a strong rebound in its insurance agency business in June 2026, with total annualized new premiums (ANP) rising 34% month-on-month and 25% year-on-year. Face-to-face sales, including online interviews, climbed 34%...
Advance Create’s May ANP Slips 17% as Marketing Efficiency Improves
Jun 16, 2026
Advance Create reported that in May 2026 total application ANP for new insurance policies fell 17% both month-on-month and year-on-year, reflecting weaker face-to-face and non-face-to-face sales. Face-to-face sales, including online interviews, dr...
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.