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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 Q3 2025 ranged from BRL 99 million to BRL 474 million, with accumulated profit for the year reaching BRL 61 million and a 39% year-over-year increase for the nine-month period; profitability was driven by disciplined underwriting and improved loss ratios.
Life segment premiums dropped significantly (61–80% YoY) due to portfolio sanitation and contract cancellations, but profitability improved; P&C retained premium grew 8% YoY, offsetting the decline in Life.
International business expanded, with 22% growth in LATAM and 39% in other regions, while Brazil remains the core market with 65% of retained premium.
Regulatory solvency ratio reached 251%, with S&P upgrading the domestic rating to AAA and A.M. Best affirming A- (Excellent) rating.
Equity-based compensation plan approved, and accumulated losses eliminated, clarifying profit reserve and dividend policy.
Financial highlights
Underwriting results improved, with a 7% drop in loss ratio to 61% and a 65% increase in underwriting result to BRL 626 million.
Return on tangible equity reached 21% for the last twelve months.
Assets under management or financial investments reached BRL 8.9 billion, with financial revenue of BRL 652–668 million over 12 months.
IFRS 17 net profit was BRL 112 million in Q3 2025, down from BRL 192 million YoY, mainly due to Life segment contract cancellations.
Administrative expenses reduced to 8.8% of earned premium in one report, but rose 26% YoY in another due to digital transformation and regulatory projects.
Outlook and guidance
Optimism for premium growth, especially in P&C, with a fourfold increase in proposals expected for 2026 renewals.
Life segment expected to recover with new leadership and product development, though effects will be gradual.
Focus remains on profitability, disciplined underwriting, and capital efficiency over rapid premium growth.
Dividend distribution of at least 25% of adjusted net profit planned for 2026, with potential for higher payouts if solvency remains strong.
Plans to expand across Latin America and capitalize on climate-related insurance opportunities.
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Next IRB-Brasil Resseguros earnings date
Q4 202525 Feb, 2026
Next IRB-Brasil Resseguros earnings date
Q4 202525 Feb, 2026
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