B3 · BRL
IRBR3
IRB Brasil Resseguros SA
- Day's range
- R$61.41 – R$62.48
- Day's volume
- R$42m
- 52-week range
- R$45.86 – R$66.65
Follow IRBR3 on Fuolio
See how IRBR3 weighs in your net worth, what it has paid you and how far it is from your target allocation.
Create a free accountIRBR3 in numbers
- Market cap
- R$5.1bn
- P/E
- 21.18
- P/B
- 0.96
- Dividend yield (12m)
- 2.54%
The 12-month dividend yield of IRBR3 is 2.54%, above its 5-year average of 0.01%.
IRBR3 price history
IRBR3 risk and return
Monthly closes adjusted for splits and distributions.
| Metric | 12 months | 36 months | 60 months |
|---|---|---|---|
| Return | +29.58% | +44.31% | -46.07% |
| Volatility (annualised) | 20.25% | 50.36% | 55.49% |
| Largest drawdown | -15.19% | -41.96% | -83.96% |
| Positive months | 9/12 | 20/36 | 31/60 |
How much did investing in IRBR3 return?
R$1,000.00 invested on 01/09/2021 would be worth R$539.29 today.
- Value today in IRBR3
- R$539.29
- Return over the period
- -46.07%
- Return per year
- -11.62%
- In the Ibovespa
- R$1,679.06
With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.
IRBR3 fundamentals
Valuation
- P/E21.18
- P/B0.96
- EV/EBITDA27.39
- EV/EBIT41.75
- EV/Revenue1.14
- P/EBIT41.75
- P/S1.14
- P/OCF13.11
- P/FCF14.13
- Earnings yield2.39%
- PEG ratio—
- Earnings per shareR$2.94
- Book value per shareR$65.10
Debt
- Net debt—
- Net debt/EBITDA—
- Net debt/Equity—
- Debt/Equity—
- Current ratio1.44
- Quick ratio—
- Cash ratio1.22
Efficiency
- Gross margin2.39%
- EBITDA margin4.17%
- Operating margin2.74%
- Net margin5.39%
- Asset turnover0.30
Profitability
- ROE4.52%
- ROA1.59%
- ROIC2.29%
- Payout53.73%
Growth
- Revenue CAGR (5 years)-12.10%
- Earnings CAGR (5 years)—
- Revenue growth (year)-13.98%
- Earnings growth (year)-51.48%
- Revenue growth (quarter)-24.69%
- Earnings growth (quarter)-60.91%
What is IRBR3's fair price?
Two classic value formulas, with today's numbers. The current price is R$62.26.
- Graham's fair price
- R$65.62
- 5.40% above the price
√(22.50 × R$2.94 × R$65.10)
Benjamin Graham paid no more than a P/E of 15 and a P/B of 1.5. Their product, 22.5, times earnings (EPS) and book value per share gives the fair price.
- Bazin's ceiling price
- R$0.10
- 99.83% below the price
R$0.01 (5-year average) ÷ 6%
Décio Bazin only bought shares yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years divided by 6%.
Graham ignores growth and debt; Bazin assumes past distributions will repeat. They are reference points for comparison, not a buy recommendation.
IRBR3 indicators by year
Multiples at each year's closing price; margins and returns from that year's accounts.
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|
| P/E | 11.24 | 4.31 | -882.72 | -0.11 | -6.19 | -5.66 | 23.10 | 16.38 |
| P/B | 0.83 | 0.71 | 25.68 | 0.02 | 1.16 | 2.02 | 7.09 | 4.99 |
| EV/EBITDA | 6.81 | 3.92 | — | 1.76 | 1.94 | 2.46 | 6.08 | 9.10 |
| Dividend yield | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.01% | 0.55% | 0.35% |
| Earnings per share | R$4.78 | R$9.84 | -R$0.05 | -R$7.66 | -R$0.54 | -R$1.20 | R$1.29 | R$3.91 |
| Book value per share | R$64.55 | R$60.19 | R$1.73 | R$49.52 | R$2.87 | R$3.36 | R$4.21 | R$12.82 |
| ROE | 7.40% | 16.36% | -2.91% | -15.47% | -18.78% | -35.74% | 30.67% | 30.46% |
| ROIC | 10.60% | 16.04% | -8.90% | 0.27% | -0.04% | 1.37% | 3.29% | 0.70% |
| Gross margin | 11.10% | 12.82% | -5.62% | -20.42% | -19.74% | -18.47% | 10.46% | 23.14% |
| EBITDA margin | 12.38% | 14.63% | -5.54% | 94.23% | 109.15% | 94.16% | 95.76% | 51.56% |
| Net margin | 7.50% | 13.30% | -2.14% | -8.94% | -8.55% | -17.94% | 18.31% | 21.14% |
| Net debt/EBITDA | — | — | — | 1.75 | 1.46 | 1.38 | 1.66 | 2.39 |
IRBR3 financial statements
| Line | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Net revenue | R$5.2bn | R$6.1bn | R$5.8bn | R$7bn | R$8bn | R$8.5bn |
| Cost of sales | — | — | — | -R$8.5bn | -R$9.6bn | -R$10bn |
| Gross profit | R$578.7m | R$776.7m | -R$325.7m | -R$1.4bn | -R$1.6bn | -R$1.6bn |
| EBITDA | R$645m | R$886.2m | -R$321m | R$6.6bn | R$8.7bn | R$8bn |
| EBIT | R$559.9m | R$790.4m | -R$378.8m | R$65.2m | -R$9.2m | R$209.3m |
| Net finance result | R$42.6m | R$406.2m | R$121.1m | R$0 | R$0 | R$0 |
| Profit before tax | R$602.6m | R$1.2bn | -R$257.7m | -R$1.8bn | -R$2bn | -R$1.8bn |
| Income tax | — | — | — | R$614.5m | R$610.1m | -R$111.6m |
| Net income | R$390.9m | R$805.7m | -R$123.9m | -R$630.3m | -R$682.7m | -R$1.5bn |
Figures the company filed with the CVM. Debt excludes leases; each quarter is that quarter alone.
IRBR3 against its sector
The same indicators for the company's other shares and the sector's largest stocks.
| Stock | P/E | P/B | Dividend yield (12m) | ROE | Market cap |
|---|---|---|---|---|---|
| IRBR3Irb - Brasil Resseguros | 21.18 | 0.96 | 2.54% | 4.52% | R$5.1bn |
| ITUB4ITAU UNIBANCO HOLDING S.A. | 10.40 | 2.24 | 7.17% | 21.50% | R$509.4bn |
| ITUB3ITAU UNIBANCO HOLDING S.A. | 11.34 | 2.44 | 6.57% | 21.50% | R$509.4bn |
| BPAC3BCO BTG PACTUAL S.A. | 15.66 | 3.48 | 1.91% | 22.20% | R$270.2bn |
| BPAC5BCO BTG PACTUAL S.A. | 12.94 | 2.87 | 2.31% | 22.20% | R$270.2bn |
| BBDC4BCO BRADESCO S.A. | 7.94 | 1.09 | 6.78% | 13.66% | R$184.7bn |
| BBDC3BCO BRADESCO S.A. | 6.97 | 0.95 | 7.02% | 13.66% | R$184.7bn |
Does IRBR3 pay dividends?
Dividend yield per year
- 0.22%2017
- 0.35%2018
- 0.55%2019
- 0.01%2020
- 0.03%2021
- 0.00%2022
- 0.00%2023
- 0.00%2024
- 0.00%2025
- 2.54%2026
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Interest on equity | 30/06/2026 | 31/07/2026 | R$0.32 |
| Interest on equity | 29/05/2026 | 30/06/2026 | R$0.32 |
| Interest on equity | 30/04/2026 | 29/05/2026 | R$0.32 |
| Income | 06/04/2026 | 17/04/2026 | R$0.02 |
| Dividend | 06/04/2026 | 17/04/2026 | R$0.59 |
| Interest on equity | 14/08/2020 | 08/09/2021 | R$0.03 |
| Income | 14/08/2020 | 08/09/2021 | R$0.00 |
| Interest on equity | 14/08/2020 | 29/12/2020 | R$0.03 |
| Interest on equity | 18/11/2019 | 05/12/2019 | R$0.21 |
| Dividend | 21/03/2019 | 30/04/2019 | R$0.22 |
| Interest on equity | 21/03/2019 | 30/04/2019 | R$0.21 |
| Dividend | 21/03/2019 | 30/04/2019 | R$1.89 |
See all 23 distributions
| Type | Last day to own | Payment | Per share |
|---|---|---|---|
| Dividend | 14/03/2019 | 30/04/2019 | R$1.90 |
| Dividend | 14/03/2019 | 30/04/2019 | R$0.23 |
| Interest on equity | 14/03/2019 | 30/04/2019 | R$0.22 |
| Interest on equity | 07/11/2018 | 21/11/2018 | R$0.58 |
| Interest on equity | 21/03/2018 | 03/04/2018 | R$0.20 |
| Dividend | 21/03/2018 | 03/04/2018 | R$1.44 |
| Dividend | 21/03/2018 | 03/04/2018 | R$0.01 |
| Interest on equity | 07/11/2017 | 21/11/2017 | R$0.58 |
| Income | 21/03/2019 | — | R$0.00 |
| Income | 21/03/2019 | — | R$0.00 |
| Income | 21/03/2019 | — | R$0.04 |
| Event | Last day to own | Ratio |
|---|---|---|
| Share consolidation | 24/01/2023 | 1 for 30 |
| Split | 25/09/2019 | 3 for 1 |
About Irb - Brasil Resseguros
- Sector
- Serviços Financeiros
- Segment
- Resseguradoras
- Listing segment
- Novo Mercado
- Tag along
- 100.00%
- Free float
- 99.04%
- Shares issued
- 81.84m ordinary
- Average daily trading
- R$39.8m
- Listed since
- 31/07/2017
- CNPJ
- 33.376.989/0001-91
A IRB(Re) é uma resseguradora brasileira com atuação em diferentes ramos, incluindo riscos patrimoniais, rurais, financeiros, transportes e vida. A companhia opera com foco em resseguro local e internacional, oferecendo capacidade de subscrição e gestão de riscos para seguradoras cedentes. A organização teve origem em 1939 como instituto estatal e passou por transformações societárias até se tornar empresa privada listada na B3. Desde a abertura do mercado de resseguros no Brasil, o ambiente competitivo mudou e a companhia passou a atuar em condições de mercado com múltiplos participantes. O desempenho da IRB é sensível a ciclos de sinistralidade, precificação de contratos, resultado financeiro e disciplina de subscrição. A estratégia recente enfatiza rentabilidade técnica, capital e concentração em linhas e geografias consideradas prioritárias.
Investor website| Shareholder | Ordinary | Preferred | Total |
|---|---|---|---|
| Bradesco Seguros S.A. | 15.93% | 0.00% | 15.93% |
| Itaú Seguros S.A. | 11.63% | 0.00% | 11.63% |
| Bonsucex Holding S.A | 5.07% | 0.00% | 5.07% |
| União Federal | 0.00% | 100.00% | 0.00% |
| Outros | 66.55% | 0.00% | 66.55% |
| Ações Tesouraria | 0.82% | 0.00% | 0.82% |
Questions about IRBR3
How much is IRBR3 today?
IRBR3 is at R$62.26 (0.97% on the day), last traded on 02/10/2026.
How much did IRBR3 pay in dividends in 2025?
IRBR3 paid R$0.00 per share in 2025, a dividend yield of 0.00%.
What are the P/E and P/B of IRBR3?
IRBR3 trades at a P/E of 21.18 and a P/B of 0.96.
How much did IRBR3 return in 12 months?
IRBR3 returned 29.58% in 12 months, with annualised volatility of 20.25% and a largest drawdown of -15.19%.
What sector is IRBR3 in?
Irb - Brasil Resseguros is in the Serviços Financeiros sector, Resseguradoras segment.