Under supervision (review) · Designated 2026-10-01 JPX notice
Overview
Insurance

Advance Create Co.,Ltd.

Advance Create operates 'Hoken Ichiba' (Insurance Market), one of Japan's leading independent insurance distribution platforms, offering life, non-life, and other insurance products through a multi-channel approach encompassing online direct sales, face-to-face consulting plazas in major urban terminals, and a centralized contact center. The company generates revenue through insurance agency commissions, bonus income from insurers, and marketing cost contributions, complemented by ASP/SaaS cloud platform services for insurers and affiliated agents, media advertising on its high-traffic insurance comparison website, and reinsurance operations via its Hawaii-based subsidiary. Its competitive strengths lie in its integrated OMO (Online-Merge-Offline) model, proprietary technology including AI avatar consulting and the 'Dynamic OMO' online meeting system, and its scale as a multi-insurer, multi-channel aggregator listed on the Tokyo Stock Exchange Prime Market.

Market Cap
¥2.66B
US$17.0M
EV
¥—B
Stock¥72▲+0.00%
US$1 = ¥156.80 (2026-10-23)
ROE
NM
* LTM NI / end-of-period equity
PBR
NM
Stock vs TOPIX (1Y, base=100)vs TOPIX ▼-94.5%pt
1001234
Oct 24, 25 – Oct 23, 26StockTOPIX
1Sep 24, 26FY26/9 guidance cut: net loss ¥391M (accounting irregularities)
2Sep 30, 26TSE designates special alert stock + ¥33.6M penalty, supervision listing (accounting fraud)
3Oct 1, 26TSE designates special-attention stock & securities under supervision; ¥33.6M listing penalty over accounting fraud
4Oct 5, 26TSE designates shares as securities under supervision/examination following special attention stock designation for improper accounting
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Performance & Balance
Revenue 5Y (¥B)
11.0US$70.3M'21/911.9US$75.6M'22/910.2US$64.8M'23/97.86US$50.1M'24/96.61US$42.1M'25/9
EBITDA 5Y (¥B)
2.48US$15.8M'21/92.51US$16.0M'22/9-1.95-US$12.4M'23/9-0.63-US$4.01M'24/9-0.54-US$3.44M'25/9
Net Income 5Y (¥B)
1.30US$8.26M'21/91.31US$8.37M'22/9-1.77-US$11.3M'23/9-2.25-US$14.3M'24/9-1.54-US$9.82M'25/9
Liquidity vs Debt 5Y (¥B)▼ Net Debt
CashInv. Sec.Debt
3.67US$23.4M1.14US$7.30M'21/92.39US$15.3M1.47US$9.38M'22/91.38US$8.78M2.12US$13.5M'23/91.02US$6.54M3.94US$25.1M'24/95.36US$34.2M5.72US$36.5M'25/9
Shareholders
Top 10 hold 81.5%
1
LIFENET INSURANCE COMPANY
29.07%
2
SBI Holdings,Inc.
28.71%
3
Hamada Holdings Co., Ltd.
6.33%
4
FWD Life Insurance Company Limited
4.78%
5
MetLife Insurance K.K. (Custodian: Citibank, N.A., Tokyo Branch)
4.29%
6
Yoshiharu HAMADA
2.27%
7
Broad-Minded Co.,Ltd.
1.91%
8
Sumitomo Life Insurance Company (Standing Proxy: Custody Bank of Japan, Ltd.)
1.42%
9
The Master Trust Bank of Japan, Ltd. (Trust Account)
1.39%
10
Akiko HAMADA
1.36%
Management
11 officers
Yoshiharu HAMADA
Representative Director, President
Jul 1985 Joined Shinnihon Securities Co., Ltd. (now Mizuho Securities Co., Ltd.) Jul 1991 Joined Merrill Lynch Securities Co. (now BofA Securities Japan Co., Ltd.) Jan 1994 Joined Kamino General Accounting Office Oct 1995 Founded the Company; Representative Director, President Dec 2002 Representative Director, President and Chief Executive Officer of the Company Dec 2003 Director, Hamada Holdings Co., Ltd. (current) Nov 2004 Director, Hoken Ichiba Co., Ltd. (current) Oct 2005 Representative Director, President of the Company Oct 2007 Representative Director, President and Chief Executive Officer of the Company Nov 2008 Director, Chairman, Advance Create Reinsurance Incorporated Oct 2015 Director, Chairman and Chief Executive Officer, Advance Create Reinsurance Incorporated Oct 2016 Director, Chairman, Advance Create Reinsurance Incorporated Oct 2017 Representative Director, President of the Company Jun 2020 Representative Director, President and Head of OMO Sales Division of the Company Oct 2021 Representative Director, President of the Company Apr 2022 Representative Director, President and Head of OMO Sales Division of the Company Oct 2024 Director, Chief Executive Officer, Advance Create Reinsurance Incorporated (current) Jan 2025 Representative Director, President of the Company (current)
1962-11-05
Ken KUSHIBIKI
Senior Managing Director
Apr 1983 Joined Honda Motor Co., Ltd. Apr 1984 Joined Alico Japan (now MetLife Insurance K.K.) Aug 2009 Joined the Company; General Manager, Marketing and Sales Division Feb 2010 General Manager, Partnership Business Division Feb 2010 Director, President and Chief Operating Officer, Advance Create Reinsurance Incorporated Oct 2011 Executive Officer, General Manager, Partnership Business Division Mar 2012 Senior Executive Officer, General Manager, Business Strategy Division Oct 2012 Managing Executive Officer, General Manager, Business Strategy Division Oct 2015 Managing Executive Officer, Head of Marketing and Sales Division Dec 2015 Director, Managing Executive Officer, Head of Marketing and Sales Division Oct 2016 Director, Vice Chairman and Chief Executive Officer, Advance Create Reinsurance Incorporated Oct 2017 Director, Head of Sales Planning Division Dec 2017 Managing Director, Head of Sales Planning Division Dec 2017 Director, Chief Executive Officer, Advance Create Reinsurance Incorporated Dec 2018 Senior Managing Director, Head of Marketing and Sales Division and General Manager, Telemarketing Business Division Dec 2018 Director, Hoken Ichiba Co., Ltd. Apr 2020 Senior Managing Director, Head of Business Development Division Apr 2023 Senior Managing Director, Head of Corporate Management Division Nov 2023 Senior Managing Director, Head of Corporate Management Division and Head of Human Resources Division Apr 2024 Senior Managing Director, Head of Corporate Strategy Division Oct 2024 Director, President, Advance Create Reinsurance Incorporated Feb 2025 Senior Managing Director of the Company (current) Oct 2025 Director, Advance Create Reinsurance Incorporated (current)
1959-06-29
Toshifumi TORII
Director, Managing Executive Officer
Apr 1990 Joined Shinnihon Securities Co., Ltd. (now Mizuho Securities Co., Ltd.) Jul 1995 Joined Saison Life Insurance Co., Ltd. (now Gibraltar Life Insurance Co., Ltd.) Jul 1997 Joined the Company Nov 1998 Director, General Manager, Planning and Development Division Oct 2007 General Manager, Direct Marketing Division Dec 2009 Executive Officer, Deputy Head of Marketing and Sales Division Oct 2010 Executive Officer, Head of Marketing Division Dec 2010 Director, Executive Officer, Head of Marketing Division Jul 2011 Director, Executive Officer, General Manager, Direct Marketing Division Dec 2011 Director, Hoken Ichiba Co., Ltd. Dec 2012 Executive Officer, General Manager, Customer Service Division and Assistant to the President Apr 2013 Officer, General Manager, Customer Service Division Oct 2013 Executive Officer, General Manager, Direct Marketing Division; Representative Director, President, Hoken Ichiba Co., Ltd. Jun 2014 Director, Hoken Ichiba Co., Ltd. Oct 2015 Officer, Deputy Head of Marketing and Sales Division and Assistant to the President Mar 2016 Executive Officer, Deputy Head of Marketing and Sales Division and Assistant to the President Oct 2017 Officer, Deputy Head of Marketing and Sales Division Oct 2018 Head of InsurTech Promotion Office Oct 2019 Officer, Head of OMO Sales Division, General Manager, Online Direct Marketing and Market Research, Assistant to the President Apr 2020 Officer, Deputy Head of OMO Sales Division, General Manager, Online Direct Marketing and Market Research Dec 2020 Officer, General Manager, OMO Sales Division and Market Research Apr 2021 Officer, Deputy Head of OMO Sales Division, Assistant to the President, General Manager, Digital Communication Development and Market Research Oct 2021 Officer, Head of Marketing Division, Assistant to the President, Head of Remote Non-Life Insurance Sales Preparation Office Apr 2022 Officer, Head of Marketing Division, Assistant to the President, General Manager, Contract Management Dec 2022 Director, Head of Marketing Division, Assistant to the President, Head of Contract Management Division Apr 2023 Director, Head of Marketing and DX Division, Assistant to the President, General Manager, Contract Management Sep 2023 Director, Head of Sales Management Division, Assistant to the President, General Manager, Contract Management Apr 2024 Director, Head of Administration Division, Assistant to the President Dec 2024 Director, Hoken Ichiba Co., Ltd. (current) Feb 2025 Director, General Manager, Human Resources and General Affairs, Assistant to the President Jun 2025 Director, Assistant to the President Sep 2025 Director, General Manager, Customer Service Division, Assistant to the President Oct 2025 Director and Managing Executive Officer, General Manager, Customer Service Division, Assistant to the President (current)
1966-08-27
Yoji SAKURAI
Outside Director
Apr 1984 Joined Tokio Marine & Fire Insurance Co., Ltd. (now Tokio Marine & Nichido Fire Insurance Co., Ltd.) Jan 2005 General Manager, Marketing Division, Tokio Marine Nichido Financial Life Insurance Co., Ltd. (now Tokio Marine & Nichido Life Insurance Co., Ltd.) Jul 2009 General Manager, Financial Sales Promotion Division, Tokio Marine & Nichido Fire Insurance Co., Ltd.; General Manager, Financial Sales Promotion Division, Tokio Marine & Nichido Life Insurance Co., Ltd. Jun 2011 President and Representative Director, edesign Insurance Co., Ltd. Apr 2015 Managing Director, Tokio Marine & Nichido Life Insurance Co., Ltd. Apr 2016 Managing Director (Representative Director), Tokio Marine & Nichido Life Insurance Co., Ltd. Apr 2018 Senior Managing Director (Representative Director), Tokio Marine & Nichido Life Insurance Co., Ltd. Apr 2020 Non-Standing Adviser, Tokio Marine & Nichido Fire Insurance Co., Ltd. Jun 2020 Full-time Audit & Supervisory Board Member, Yanase Co., Ltd. Dec 2023 Outside Director of the Company (current) Jul 2024 Non-Standing Adviser, Tokio Marine & Nichido Fire Insurance Co., Ltd. (current)
1960-07-17
Yuki SAKURAI
Outside Director
Apr 1976 Joined Fukoku Mutual Life Insurance Company Apr 2001 General Manager, Securities Division, Fukoku Mutual Life Insurance Company Apr 2003 General Manager, Financial Planning Division, Fukoku Mutual Life Insurance Company Jul 2007 Director, General Manager, Financial Planning Division, Fukoku Mutual Life Insurance Company Apr 2009 Director, Executive Officer, General Manager, Financial Planning Division, Fukoku Mutual Life Insurance Company Jun 2009 President and Representative Director, Fukoku Mutual Investment Advisors Co., Ltd. Apr 2014 Managing Executive Officer, Fukoku Mutual Life Insurance Company Jun 2014 Outside Director, Fukoku Shinrai Life Insurance Co., Ltd. Jul 2014 Director, Managing Executive Officer, Fukoku Mutual Life Insurance Company Apr 2016 Director, Managing Executive Officer, Deputy in charge of Medium-Term Management Plan, Fukoku Mutual Life Insurance Company Jun 2016 Outside Audit & Supervisory Board Member, Orient Corporation Apr 2019 Director, Senior Managing Executive Officer, Fukoku Mutual Life Insurance Company Apr 2022 Director, Vice President Executive Officer, in charge of Medium-Term Management Plan, Fukoku Mutual Life Insurance Company Jun 2022 Outside Director (Audit and Supervisory Committee Member), Orient Corporation (current) Apr 2024 Director, Fukoku Mutual Life Insurance Company Jul 2024 Full-time Adviser, Fukoku Mutual Life Insurance Company (current) Mar 2025 Outside Director of the Company (current)
1952-09-11
Asako SHIMAZU
Outside Director
Nov 1996 Joined Roy Kodani Law Office Apr 1997 Joined Thomas T. M. Ho Law Office Apr 1998 Joined McCorriston Miller Mukai MacKinnon LLP May 2011 Joined Char Hamilton Yoshida & Shimomoto Aug 2018 Joined Goodsill Anderson Quinn & Stifel Mar 2021 Established Shimazu International Law Offices, LLLC; Representative Attorney (current) Mar 2025 Outside Director of the Company (current) Dec 2025 Director, Advance Create Reinsurance Incorporated (current)
1967-06-02
Shigehiro KOSAKADA
Outside Director
Oct 2002 Registered as attorney (Osaka Bar Association) Oct 2002 Joined Yodoyabashi Godo Law Office (now Yodoyabashi Yamagami Godo Law Firm) Apr 2010 Partner Attorney, Yodoyabashi Yamagami Godo Law Firm (current) May 2011 Outside Audit & Supervisory Board Member, MaxValu Tokai Co., Ltd. Mar 2025 Outside Director of the Company (current)
1976-06-28
Nobuyuki TANIGUCHI
Full-time Corporate Auditor
Apr 1981 Joined Sharp Corporation Oct 1999 General Manager, Human Resources Department, Human Resources Division, Sharp Corporation Aug 2003 General Manager, Business Strategy Promotion Office, AVC LCD Business Division, Sharp Corporation Oct 2004 Deputy Head, Human Resources Division, Sharp Corporation Apr 2007 Head of Human Resources Division, Sharp Corporation Jun 2007 Director, Head of Human Resources Division, Sharp Corporation Jun 2008 Director and Executive Officer, Head of Human Resources Division, Sharp Corporation Apr 2013 Director and Managing Executive Officer, Deputy Head of Structural Reform Implementation HQ, Corporate Division, Sharp Corporation Jun 2013 Managing Executive Officer, Deputy Head of Structural Reform Implementation HQ, Corporate Division, Sharp Corporation Oct 2013 Managing Executive Officer, Head of Product Business Strategy Division, Sharp Corporation Mar 2015 Managing Executive Officer, in charge of SCM, Corporate Division, Sharp Corporation Jun 2015 Executive Officer, in charge of Communications, Corporate Strategy Division, Sharp Corporation Oct 2015 Executive Officer, in charge of Quality & Environment, Sharp Corporation Aug 2016 Executive Officer, Head of Quality & Environment Division, Sharp Corporation May 2018 Resigned from Sharp Corporation Oct 2018 Joined the Company; Advisor, President's Office Dec 2021 Full-time Audit & Supervisory Board Member of the Company (current)
1958-05-12
Shigeru AKIYOSHI
Corporate Auditor
Apr 1978 Joined Shinnihon Securities Co., Ltd. (now Mizuho Securities Co., Ltd.) Apr 2006 Executive Officer, First Block Head, Sales Division, Mizuho Securities Co., Ltd. Apr 2010 Managing Executive Officer, Head of Nagoya Branch, Mizuho Securities Co., Ltd. Apr 2012 Managing Director and Managing Executive Officer, Co-head of Domestic Sales Division, Head of Retail Group, Mizuho Securities Co., Ltd. Apr 2013 Managing Executive Officer, Deputy Responsible Officer, Retail Banking Unit, Mizuho Financial Group, Inc. Jun 2015 Full-time Audit & Supervisory Board Member, Mizuho Securities Co., Ltd. Apr 2016 Full-time Audit & Supervisory Board Member, Mizuho Securities Property Management Co., Ltd. Jun 2017 Adviser, Mizuho Securities Property Management Co., Ltd. Dec 2017 Audit & Supervisory Board Member of the Company Jul 2021 Full-time Audit & Supervisory Board Member of the Company Dec 2022 Audit & Supervisory Board Member of the Company (current)
1954-08-21
Takashi HATAKEYAMA
Corporate Auditor
Apr 1976 Joined Shinnihon Securities Co., Ltd. (now Mizuho Securities Co., Ltd.) Apr 2004 Executive Officer, Head of Capital Markets Department, Mizuho Securities Co., Ltd. Oct 2005 Executive Officer, Deputy Head of Osaka Corporate Division, Mizuho Securities Co., Ltd. Apr 2007 Joined Shinko Investment Trust Co., Ltd.; Managing Executive Officer, Head of Investment Research May 2009 Full-time Statutory Auditor, Shinko Investment Trust Co., Ltd. Jun 2013 Adviser, Shinko Investment Trust Co., Ltd. Aug 2013 Retired as Adviser, Shinko Investment Trust Co., Ltd. Dec 2013 Audit & Supervisory Board Member of the Company (current)
1953-08-25
Yoshio MITA
Corporate Auditor
Oct 2000 Joined Asahi Audit Corporation (now Azusa Audit LLC) Apr 2004 Registered as Certified Public Accountant Jul 2008 Established Mita CPA Office; Representative (current) Jul 2008 Registered as Licensed Tax Accountant Oct 2017 Outside Director (Audit and Supervisory Committee Member), AIL Co., Ltd. (current) Oct 2017 Member Partner, Asunaro Audit Corporation (current) Dec 2023 Audit & Supervisory Board Member of the Company (current)
1973-11-07
Large Shareholding Reports
FWD Life Insurance Company Limited
2026-02-18
6.00%→4.99%
Annual report (as of 2026-03-31): 4.78%
Yugen Kaisha Hamada Holdings
2026-01-26
19.19%→5.91%
Annual report (as of 2026-03-31): 6.33%
Yugen Kaisha Hamada Holdings
2026-01-26
5.91%→5.91%
Annual report (as of 2026-03-31): 6.33%
Yugen Kaisha Hamada Holdings
2026-01-26
5.91%→5.91%
Annual report (as of 2026-03-31): 6.33%
Lifenet Insurance Company
2025-09-12
29.07%
Annual report (as of 2026-03-31): 29.07%
FWD Life Insurance Company Limited
2025-09-08
6.00%
Annual report (as of 2026-03-31): 4.78%
Daiwa Asset Management Co., Ltd.
2025-08-21
0.93%→0.93%
Yugen Kaisha Hamada Holdings
2025-08-06
19.56%→19.19%
Annual report (as of 2026-03-31): 6.33%
Disclosures
No disclosures
Primary Source Filings
EDINETAmended
2026-09-24
Amended Securities Registration Statement
EDINETAmended
2026-08-28
Amended Semi-Annual Securities Report
Period: Oct 2025 – Sep 2026
TDnetAmended
2026-08-17
Q1 Earnings Flash
FY ending Sep 2025
EDINETAmended
2026-08-14
Amended Annual Securities Report
Period: Oct 2020 – Sep 2021
EDINETAmended
2026-08-14
Amended Annual Securities Report
Period: Oct 2021 – Sep 2022
EDINETAmended
2026-08-14
Amended Annual Securities Report
Period: Oct 2024 – Sep 2025
EDINETAmended
2026-08-14
Amended Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2026-08-14
Semi-Annual Securities Report
Period: Oct 2025 – Sep 2026
EDINETAmended
2026-08-14
Amended Semi-Annual Securities Report
Period: Oct 2024 – Sep 2025
EDINETAmended
2026-08-14
Amended Annual Securities Report
Period: Oct 2023 – Sep 2024
EDINETAmended
2026-08-14
Amended Quarterly Securities Report
Period: Jan 2024 – Mar 2024
EDINETAmended
2026-08-14
Amended Annual Securities Report
Period: Oct 2022 – Sep 2023
EDINET
2026-02-18
Large Shareholding Report
TDnet
2026-02-13
Q1 Earnings Flash
FY ending Sep 2026
EDINET
2026-01-26
Large Shareholding Report
EDINET
2026-01-26
Large Shareholding Report
EDINET
2026-01-26
Large Shareholding Report
EDINET
2025-12-17
Annual Securities Report
Period: Oct 2024 – Sep 2025
EDINET
2025-09-12
Large Shareholding Report
EDINET
2025-09-08
Large Shareholding Report
EDINET
2025-08-21
Large Shareholding Report
EDINETAmended
2025-08-20
Amended Securities Registration Statement
TDnet
2025-08-13
Q3 Earnings Flash
FY ending Sep 2025
EDINETAmended
2025-08-06
Change Report
EDINET
2025-07-17
Securities Registration Statement
EDINETAmended
2025-07-14
Amended Annual Securities Report
Period: Oct 2023 – Sep 2024
EDINETAmended
2025-07-14
Amended Semi-Annual Securities Report
Period: Oct 2024 – Sep 2025
TDnet
2025-05-15
Q1 Earnings Flash
FY ending Sep 2025
EDINET
2025-05-15
Semi-Annual Securities Report
Period: Oct 2024 – Sep 2025
EDINETAmended
2025-03-25
Amended Annual Securities Report
Period: Oct 2023 – Sep 2024
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