IRRC Corporation (7325) Stock Price

Ailic Corporation is a company that specializes in insurance sales for individuals and corporations, while also providing business support solutions and system development for insurance agencies and financial institutions. The company's main offerings combine face-to-face and digital services, including the storefront-based "Insurance Clinic®," the insurance analysis and search platform "Insurance IQ System®," and automated insurance policy analysis.

The company's primary customers include individual insurance policyholders, corporations and their executives, insurance agencies, financial institutions such as banks, and franchise operators. Revenue from insurance sales is primarily generated through commissions from insurance companies at the time of contract completion. Solutions and system businesses generate stable revenue through registration fees, monthly usage fees, development fees, subscriptions, and royalties.

The business is divided into three segments: insurance sales, solutions, and systems. The insurance sales segment consists of company-owned stores, corporate sales through field representatives, and stores operated by Life Assist. The solutions segment provides products such as "AS System" and "AS-BOX," along with franchise support and training services. The systems segment, operated through subsidiaries, develops and sells system solutions and products including "Smart OCR®," "DenHo®," "brox," and "AS FINDER," which leverages generative AI technology.

The company is pursuing a three-year plan beginning in June 2026, with mid-term priorities focused on growth in both revenue and profit, as well as improved capital efficiency. For the next fiscal period, the company projects revenue of 11,288 million yen (approximately 19.8% increase year-over-year), operating profit of 844 million yen (approximately 13.9% increase), and net income attributable to parent company shareholders of 507 million yen (approximately 16.4% increase). The company aims to expand its business using revenue and operating profit as primary management indicators. The board of directors is carefully deliberating on internal rate of return and capital cost utilization, with the goal of balancing growth investment and profitability.

The company is expanding its walk-in insurance shop "Insurance Clinic®" and making strategic investments in insurance-focused solutions and systems. The source of differentiation lies in proprietary technologies such as the "Insurance IQ System®," a one-stop platform supporting everything from insurance sales to securities analysis and application processing, and "Smart OCR®," which reads non-standard insurance documents with high accuracy. Additional competitive strengths include 25 years of accumulated insurance data, user-friendly operations reflecting frontline feedback, and API integration with 16 insurance companies. By combining these elements, the company delivers a distinctive customer experience and operational efficiency.

As part of new market development, the company is strengthening expansion into financial institutions, regional banks, and insurance agencies, while supporting franchise participation from other industries. Capitalizing on growing demand for compliance with revised Insurance Business Law requirements regarding information disclosure and customer intent assessment, the company is establishing its AS Series as vertical SaaS for the insurance industry. The goal is to expand recurring revenue through registration and monthly subscription fees. Specific initiatives include franchise development through short-term training, online field support services, and customized implementations for financial institutions.

The company positions technological innovation as key to growth and is advancing AI and automation technologies. Developments include AI-assisted features for securities analysis and "AS FINDER," a search tool using generative AI. The company is improving operational efficiency by digitizing non-standard documents and integrating with RPA. Through these efforts, the company aims to advance digitalization from life plan creation through product comparison to application submission, strengthening its revenue base by improving customer satisfaction and enhancing productivity at sales locations.