Insurance agents, brokers & service company · Revenue ¥3.01B · -0.69% margin · -¥41M FCF
The business is unprofitable at the operating level (-0.69% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue declined 13.3% YoY. The question is whether this is cyclical or a structural shift.
Negative free cash flow of -¥41M. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
¥3.01B
▼ -13.3% YoY
Net Income (TTM)
-¥18M
▲ +71.0% YoY
Op. Margin
-0.69%
▲ +1.2pp YoY
ROIC
-3.43%
▲ +9.3pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-¥41M
▲ +64.9% YoY
Op. Cash Flow (TTM)
-¥41M
▲ +64.5% YoY
Net Debt
¥41M
Cash & Equiv.
¥145M
3Y CAGR: +4.0%
Continue Research