IRRC Corp
IRRC Corp provides insurance and asset management services, generating revenue primarily through underwriting premiums and investment income.
Business. IRRC Corp (7325.T) is a Japanese multiline insurance and brokerage firm headquartered in Japan and listed on the Tokyo Stock Exchange. The company operates within the Financials sector, primarily generating revenue through insurance premiums and asset management activities. Specific details regarding its operating segments and geographic revenue mix are not available.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
IRRC Corp (7325.T) is a Japanese multiline insurance and brokerage firm headquartered in Japan and listed on the Tokyo Stock Exchange. The company operates within the Financials sector, primarily generating revenue through insurance premiums and asset management activities. Specific details regarding its operating segments and geographic revenue mix are not available.
IRRC Corp maintains a strong liquidity position, with cash and equivalents amounting to ¥1.47 billion, representing 31.2% of total assets. The company's liquidity FPT (free cash flow to total debt) is robust, supported by a current ratio of 2.42 and a low debt-to-equity ratio of 0.03. This suggests minimal short-term liquidity risk.
Profitability metrics indicate a relatively modest return on equity (ROE) of 3.23% and return on assets (ROA) of 2.39%, both below the industry median for multiline insurers. The company's operating margin of 7.42% (¥155 million operating income on ¥2.09 billion revenue) is in line with the sector average, but net income margin of 5.41% reflects a higher cost base or lower investment returns.
Geographically, IRRC Corp's revenue is concentrated in Japan, with no disclosed international operations. The company operates a single business segment focused on insurance and asset management, with no material diversification across product lines or geographic regions.
Outlook for FY2024 shows a 20.0% increase in revenue to ¥11.3 billion, driven by higher underwriting volumes and improved investment performance. Net income is expected to grow by 17.3% to ¥132.9 million, reflecting a narrowing gap between actual and estimated earnings.
Risk assessment highlights low liquidity and dilution risk, with no immediate filing-based flags detected. The company's low debt load and strong equity position reduce exposure to interest rate volatility and credit risk. No dilution pressure is expected in the near term, as shares outstanding remain unchanged between basic and diluted measures.
Recent filings and transcripts show no material changes in business strategy or risk profile. Analysts have raised revenue estimates by 20.0% year-over-year, suggesting improved market confidence in the company's ability to scale operations.
- IRRC Corp maintains a strong liquidity position with ¥1.47 billion in cash and equivalents.
- ROE of 3.23% and ROA of 2.39% indicate below-median profitability for the insurance sector.
- Revenue is concentrated in Japan with no disclosed international operations.
- FY2024 revenue is expected to grow by 20.0% to ¥11.3 billion.
- Low liquidity and dilution risk with no immediate filing-based flags detected.
- Analysts have raised revenue estimates by 20.0% year-over-year.
Bull / Bear case
Generated · model-assistedRevenue grew at a 19.4% CAGR over four years, reaching 9.4 billion JPY in fiscal 2025.
Net income expanded at a 16.9% CAGR, rising to 435 million JPY in fiscal 2025.
Free cash flow improved significantly to 255 million JPY in fiscal 2025, reversing prior deficits.
Long-term debt decreased to 23.9 million JPY in fiscal 2025, indicating strong balance sheet management.
The company maintains a low dilution risk profile according to internal risk flag assessments.
Return on invested capital of 4.3% suggests limited value creation relative to capital employed.
In focus — financials by report
Revenue ¥2.71B, +22,6% YoY; Operating income +138,7% YoY.
- ▍Revenue ¥2.71B, +22,6% YoY
- ▍Operating income +138,7% YoY
- ▍Net income +154,1% YoY
- ▍Net margin 4.2%
Revenue ¥2.57B, +13,3% YoY; Operating income −44,0% YoY.
- ▍Revenue ¥2.57B, +13,3% YoY
- ▍Operating income −44,0% YoY
- ▍Net income −51,6% YoY
- ▍Net margin 2.1%
Revenue ¥2.64B, +17,0% YoY; Operating income +53,1% YoY.
- ▍Revenue ¥2.64B, +17,0% YoY
- ▍Operating income +53,1% YoY
- ▍Net income +6,9% YoY
- ▍Net margin 5.2%
Revenue ¥2.31B, +10,4% YoY; Operating income +52,1% YoY.
- ▍Revenue ¥2.31B, +10,4% YoY
- ▍Operating income +52,1% YoY
- ▍Net income +25,1% YoY
- ▍Net margin 6.1%
Revenue ¥2.21B; Operating income ¥84.0M.
- ▍Revenue ¥2.21B
- ▍Operating income ¥84.0M
- ▍Net margin 2.0%
Revenue ¥2.27B; Operating income ¥177.8M.
- ▍Revenue ¥2.27B
- ▍Operating income ¥177.8M
- ▍Net margin 4.9%
Revenue ¥2.26B; Operating income ¥114.8M.
- ▍Revenue ¥2.26B
- ▍Operating income ¥114.8M
- ▍Net margin 5.7%
Revenue ¥2.09B; Operating income ¥155.0M.
- ▍Revenue ¥2.09B
- ▍Operating income ¥155.0M
- ▍Net margin 5.4%
Revenue ¥9.42B, +19,0% YoY; Operating income +43,7% YoY.
- ▍Revenue ¥9.42B, +19,0% YoY
- ▍Operating income +43,7% YoY
- ▍Net income +23,8% YoY
- ▍Free cash flow +17,6% YoY
- ▍Net margin 4.6%
Revenue ¥9.42B, +19,0% YoY; Operating income +43,7% YoY.
- ▍Revenue ¥9.42B, +19,0% YoY
- ▍Operating income +43,7% YoY
- ▍Net income +23,8% YoY
- ▍Free cash flow +17,6% YoY
- ▍Net margin 4.6%
Revenue ¥7.92B, +31,9% YoY; Operating income +334,8% YoY.
- ▍Revenue ¥7.92B, +31,9% YoY
- ▍Operating income +334,8% YoY
- ▍Net income +2 092,2% YoY
- ▍Free cash flow +284,3% YoY
- ▍Net margin 4.4%
Revenue ¥7.92B, +31,9% YoY; Operating income +334,8% YoY.
- ▍Revenue ¥7.92B, +31,9% YoY
- ▍Operating income +334,8% YoY
- ▍Net income +2 092,2% YoY
- ▍Free cash flow +284,3% YoY
- ▍Net margin 4.4%
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Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 62,30 |
| Revenue | —no estimate | —no estimate | 11,3B JPY |
| Operating income | —no estimate | —no estimate | —no estimate |
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- No immediate filing-based liquidity or dilution flags were detected.
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- IRRC Corp Market data — financials · 2026-05-27
- IRRC Corp Market data — analyst estimates · 2026-05-27