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IRB-Brasil Resseguros
IRB-Brasil Resseguros (IRBR3) investor relations material
IRB-Brasil Resseguros Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Net income for 3Q25 ranged from BRL 99 million to BRL 474 million, with accumulated net income reaching BRL 61 million and a 39% year-over-year increase for the nine-month period, driven by disciplined underwriting and improved loss ratios.
Life portfolio retained premium dropped significantly YoY due to portfolio sanitation and contract cancellations, but profitability improved and losses narrowed.
P&C portfolio retained premium grew 8% YoY, with underwriting and net profit increases, while total retained premium decreased 11% due to Life segment contraction.
Regulatory solvency ratio reached 251%, well above requirements and in line with top international peers.
S&P upgraded the rating to 'brAAA'; A.M. Best affirmed 'A-' and assigned 'aaa.BR' on the national scale.
Financial highlights
Underwriting results for the last 12 months rose from BRL 379 million to BRL 626 million, a 65% increase.
Loss ratio improved to 61% (down 7 p.p. YoY), with combined P&C index at 95% and combined ratio for 9M25 at 98%.
Return on tangible equity reached 21% for the last twelve months.
Financial and equity income remained strong, reaching up to BRL 668 million in 3Q25.
Assets under management reached BRL 8.9 billion, with 60% onshore and 40% offshore.
Outlook and guidance
Focus on disciplined underwriting, portfolio quality, and capital efficiency, with optimism for P&C premium growth and international expansion.
Life segment expected to recover with new leadership and product development.
Dividend payout of at least 25% of adjusted net profit planned for 2026.
International P&C growth strategy and risk focus
Timeline to achieve single-digit admin expense ratio
Retrocession strategy impact on capital allocation
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Next IRB-Brasil Resseguros earnings date
Q4 202513 Feb, 2026
IRB-Brasil Resseguros
Next IRB-Brasil Resseguros earnings date
Q4 202513 Feb, 2026
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