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B3 · BRL

IRBR3

IRB Brasil Resseguros SA

R$61.66-1.82% (-R$1.14)
Day's range
R$61.03 – R$63.39
Day's volume
R$52.2M
52-week range
R$45.86 – R$66.65

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See how IRBR3 weighs in your net worth, what it has paid you and how far it is from your target allocation.

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IRBR3 in numbers

Market cap
R$5B
P/E
20.98
P/B
0.95
Dividend yield (12m)
2.56%

The 12-month dividend yield of IRBR3 is 2.56%, above its 5-year average of 0.01%.

IRBR3 price history

10/01/202509/30/2026
Compare with

IRBR3 risk and return

Monthly closes adjusted for splits and distributions.

Metric12 months36 months60 months
Return+28.69%+56.05%-45.61%
Volatility (annualized)19.35%49.94%55.42%
Largest drawdown-15.19%-41.96%-83.83%
Positive months9/1221/3632/60

How much did investing in IRBR3 return?

R$1,000.00 invested on 10/01/2021 would be worth R$543.89 today.

Value today in IRBR3
R$543.89
Return over the period
-45.61%
Return per year
-11.47%
In the Ibovespa
R$1,777.43

With dividends reinvested, before taxes and costs, at month-end closes. Past returns do not guarantee future ones.

IRBR3 fundamentals

Valuation

  • P/E
    20.98
  • P/B
    0.95
  • EV/EBITDA
    27.12
  • EV/EBIT
    41.35
  • EV/Revenue
    1.13
  • P/EBIT
    41.35
  • P/S
    1.13
  • P/OCF
    12.98
  • P/FCF
    13.99
  • Earnings yield
    2.42%
  • PEG ratio
    —
  • Earnings per share
    R$2.94
  • Book value per share
    R$65.10

Debt

  • Net debt
    —
  • Net debt/EBITDA
    —
  • Net debt/Equity
    —
  • Debt/Equity
    —
  • Current ratio
    1.44
  • Quick ratio
    —
  • Cash ratio
    1.22

Efficiency

  • Gross margin
    2.39%
  • EBITDA margin
    4.17%
  • Operating margin
    2.74%
  • Net margin
    5.39%
  • Asset turnover
    0.30

Profitability

  • ROE
    4.52%
  • ROA
    1.59%
  • ROIC
    2.29%
  • Payout
    53.73%

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$61.66.

Graham's fair price
R$65.62
6.42% 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 stocks yielding at least 6% a year in distributions. The ceiling price is the average dividend per share of recent years over 6%.

Graham ignores growth and debt; Bazin assumes past distributions repeat. They are references to compare, not a buy recommendation.

IRBR3's indicators by year

Multiples at each year's closing price; margins and returns from that year's statements.

Indicator20252024202320222021202020192018
P/E11.244.31-882.72-0.11-6.19-5.6623.1016.38
P/B0.830.7125.680.021.162.027.094.99
EV/EBITDA6.813.92—1.761.942.466.089.10
Dividend yield0.00%0.00%0.00%0.00%0.03%0.01%0.55%0.35%
Earnings per shareR$4.78R$9.84-R$0.05-R$7.66-R$0.54-R$1.20R$1.29R$3.91
Book value per shareR$64.55R$60.19R$1.73R$49.52R$2.87R$3.36R$4.21R$12.82
ROE7.40%16.36%-2.91%-15.47%-18.78%-35.74%30.67%30.46%
ROIC10.60%16.04%-8.90%0.27%-0.04%1.37%3.29%0.70%
Gross margin11.10%12.82%-5.62%-20.42%-19.74%-18.47%10.46%23.14%
EBITDA margin12.38%14.63%-5.54%94.23%109.15%94.16%95.76%51.56%
Net margin7.50%13.30%-2.14%-8.94%-8.55%-17.94%18.31%21.14%
Net debt/EBITDA———1.751.461.381.662.39

IRBR3's financial statements

Line202520242023202220212020
Net revenueR$5.2BR$6.1BR$5.8BR$7BR$8BR$8.5B
Cost of revenue———-R$8.5B-R$9.6B-R$10B
Gross profitR$578.7MR$776.7M-R$325.7M-R$1.4B-R$1.6B-R$1.6B
EBITDAR$645MR$886.2M-R$321MR$6.6BR$8.7BR$8B
EBITR$559.9MR$790.4M-R$378.8MR$65.2M-R$9.2MR$209.3M
Financial resultR$42.6MR$406.2MR$121.1MR$0R$0R$0
Income before taxR$602.6MR$1.2B-R$257.7M-R$1.8B-R$2B-R$1.8B
Income tax———R$614.5MR$610.1M-R$111.6M
Net incomeR$390.9MR$805.7M-R$123.9M-R$630.3M-R$682.7M-R$1.5B

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.

StockP/EP/BDividend yield (12m)ROEMarket cap
IRBR3Irb - Brasil Resseguros20.980.952.56%4.52%R$5B
ITUB4ITAU UNIBANCO HOLDING S.A.10.432.247.15%21.50%R$511.8B
ITUB3ITAU UNIBANCO HOLDING S.A.11.412.456.53%21.50%R$511.8B
BPAC3BCO BTG PACTUAL S.A.15.683.481.91%22.20%R$271.9B
BPAC5BCO BTG PACTUAL S.A.13.142.922.28%22.20%R$271.9B
BBDC4BCO BRADESCO S.A.7.921.086.80%13.66%R$183.9B
BBDC3BCO BRADESCO S.A.6.940.957.05%13.66%R$183.9B

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
  • 2.56%2026
Payment history
TypeLast day to ownPaymentPer share
Interest on equity06/30/202607/31/2026R$0.32
Interest on equity05/29/202606/30/2026R$0.32
Interest on equity04/30/202605/29/2026R$0.32
Income04/06/202604/17/2026R$0.02
Dividend04/06/202604/17/2026R$0.59
Interest on equity08/14/202009/08/2021R$0.03
Income08/14/202009/08/2021R$0.00
Interest on equity08/14/202012/29/2020R$0.03
Interest on equity11/18/201912/05/2019R$0.21
Dividend03/21/201904/30/2019R$0.22
Interest on equity03/21/201904/30/2019R$0.21
Dividend03/21/201904/30/2019R$1.89
See all 23 distributions
Earlier distributions
TypeLast day to ownPaymentPer share
Dividend03/14/201904/30/2019R$1.90
Dividend03/14/201904/30/2019R$0.23
Interest on equity03/14/201904/30/2019R$0.22
Interest on equity11/07/201811/21/2018R$0.58
Interest on equity03/21/201804/03/2018R$0.20
Dividend03/21/201804/03/2018R$1.44
Dividend03/21/201804/03/2018R$0.01
Interest on equity11/07/201711/21/2017R$0.58
Income03/21/2019—R$0.00
Income03/21/2019—R$0.00
Income03/21/2019—R$0.04
Splits, reverse splits and bonus shares
EventLast day to ownRatio
Reverse split01/24/20231 for 30
Split09/25/20193 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 common
Average daily trading
R$39.3M
Listed since
07/31/2017
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
ShareholdersAs of 12/31/2026, from the Formulário de Referência filed with the CVM.
ShareholderCommonPreferredTotal
Bradesco Seguros S.A.15.93%0.00%15.93%
Itaú Seguros S.A.11.63%0.00%11.63%
Bonsucex Holding S.A5.07%0.00%5.07%
União Federal0.00%100.00%0.00%
Outros66.55%0.00%66.55%
Ações Tesouraria0.82%0.00%0.82%

Questions about IRBR3

How much is IRBR3 today?

IRBR3 is at R$61.66 (-1.82% on the day), last traded on 09/30/2026.

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 20.98 and a P/B of 0.95.

How much did IRBR3 return in 12 months?

IRBR3 returned 28.69% in 12 months, with annualized volatility of 19.35% and a largest drawdown of -15.19%.

What sector is IRBR3 in?

Irb - Brasil Resseguros is in the Serviços Financeiros sector, Resseguradoras segment.