BVMF/IRBR3 (BVMF/IRBR3)

Brazil Stock Exchange: BVMF/IRBR3 · BRL

R$55.5

-1.49 (-2.6%)· Recorded snapshot

Market cap	4.5B
Revenue (ttm)	4.9B
Net income (ttm)	240.6M
EPS (ttm)	R$2.94
Shares out	81.6M
P/E (trailing)	18.9x
P/E (forward)	8.0x
Dividend	R$0.62 (1.12%)
Volume	779,500
Beta	0.67

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 4.9B
Net income (ttm): 240.6M
EPS (ttm): R$2.94
P/E (trailing): 18.9x
P/E (forward): 8.0x
Market cap: 4.5B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E8

P25 n/aP50 n/aP75 n/a

Trailing P/E18.9

P25 n/aP50 n/aP75 n/a

ROE4.6

P25 n/aP50 n/aP75 n/a

ROIC7.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/IRBR3 indicators

Market & fundamental data

Available fields

220

Groups with data

Currency

BRL

Showing 220 of 220 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BRL
Country	Brazil
Country code	BR
Earnings date	2026-11-12
Employees	328
Employees change	-7
Employees growth	-2.09%
Enterprise value	BRL 4.8B
Exchange	Brazil Stock Exchange
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1939
Industry	Insurance - Reinsurance
Is primary listing	Yes
ISIN number	BRIRBRACNOR4
Last earnings date	2026-08-13
Last refreshed	2026-10-29
Last stock split date	2023-01-25
Last stock split type	Reverse
Market cap	BRL 4.5B
Next earnings date	2026-11-12
Price	BRL 55.45
Price currency	BRL
Sector	Financials
SIC code	6300
Stock price date	2026-10-29
Symbol	bvmf/IRBR3
Website	https://www.irbre.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	9.89x
Average P/E ratio (3Y)	11.49x
Earnings yield	5.3%
EV/Earnings	20.28x
EV/EBIT	8.44x
EV/EBITDA	8.59x
EV/FCF	12.59x
EV/Sales	0.99x
FCF / EV yield	7.94%
FCF yield	8.34%
Forward P/E	8x
Graham number	65.68073
Graham upside	18.17%
P/(FCF - SBC) ratio	12.08x
P/(OCF - SBC) ratio	12.04x
P/B ratio	0.87x
P/E ratio	18.88x
P/FCF ratio	11.99x
P/OCF ratio	11.96x
P/S ratio	0.95x
Price / tangible book value	0.89x
Price/EBITDA ratio	8.39x
Sector forward P/E	7.94x
Sector P/E	8.93x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	11.56%
EBITDA margin	11.26%
Effective tax rate	25.46%
FCF margin	7.88%
Gross margin	43.97%
Operating margin	11.56%
Pretax margin	6.56%
Profit margin	4.89%
Profit per employee	BRL 733,500
Profitable years	2
Revenue per employee	BRL 15M
ROA	2.3%
ROA (5Y)	0.46%
ROCE	4.96%
ROE	4.57%
ROE (5Y)	-1.04%
ROIC	7.56%
ROIC (5Y)	-1.32%
SBC / revenue	0.06%
Tax / revenue	1.67%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-60.94%
EPS growth 10Y	-19.87%
EPS growth years	0
FCF growth (Q)	944.23%
FCF growth (QoQ)	26.29%
Net income growth	-60.91%
Net income growth years	0
OCF growth	2,446.71%
OCF growth (Q)	764.74%
OCF growth (QoQ)	26.12%
OCF growth 10Y	6.1%
Revenue growth	-1.38%
Revenue growth (Q)	-23.02%
Revenue growth (QoQ)	-13.83%
Revenue growth 10Y	-2.61%
Revenue growth 3Y	-1.72%
Revenue growth 5Y	-16.14%
Revenue growth quarters	3
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -1.1M
EBIT	BRL 568.6M
EBITDA	BRL 553.8M
EPS	BRL 2.94
FCF per share	BRL 4.75
Financing cash flow	BRL -327.1M
Free cash flow	BRL 387.7M
Free cash flow minus SBC	BRL 384.8M
Gross profit	BRL 2.2B
Income taxes	BRL 82.2M
Investing cash flow	BRL -28.1M
Net borrowing	BRL -206.2M
Net cash flow	BRL 26.6M
Net income	BRL 240.6M
Operating cash flow minus SBC	BRL 385.9M
Operating income	BRL 568.6M
Revenue	BRL 4.9B
Stock-based compensation	BRL 2.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	BRL 65.28
Debt / EBITDA	0.51
Debt / equity	0.05
Debt / FCF	0.74
Interest coverage	13.7
Net cash (debt)	BRL -232.6M
Net cash / market cap	-5.01%
Net debt / EBITDA	0.42
Net debt / equity	0.04
Net debt / FCF	0.6
Piotroski F-Score	6
Property, plant and equipment	BRL 36.7M
Shareholders' equity	BRL 5.3B
Tangible book value	BRL 5.2B
Tangible book value per share	BRL 64.08
Total assets	BRL 15.1B
Total cash	BRL 4.5B
Total debt	BRL 286.7M
Total liabilities	BRL 9.8B
WACC	8.12%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.32
Current ratio	1.44
Net working capital	BRL 1.8B
Quick ratio	1.24
Working capital	BRL 1.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.07%
Dividend growth	0%
Dividend growth (3Y)	36.64%
Dividend growth (5Y)	-26.42%
Dividend growth years	0
Dividend payment date	2026-07-31
Dividend payment years	1
Dividend per share	BRL 0.62
Dividend yield	1.12%
Ex-dividend date	2026-07-01
FCF payout ratio	33.26%
Last dividend	BRL 0.32
Payout ratio	38.61%
Shareholder yield	1.04%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	BRL 56.31
1D price change	-2.62%
1M price change	-8.72%
1M total return	-8.72%
1W price change	-16.86%
1W total return	-16.86%
1Y price change	16.3%
1Y return CAGR	19.77%
1Y total return	19.76%
20-day SMA	BRL 66.04
200-day SMA	BRL 56.52
3M price change	3.73%
3M total return	3.73%
3Y price change	36.22%
3Y return CAGR	11.94%
3Y total return	40.28%
50-day SMA	BRL 61.51
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 71.50
52-week high date	2026-10-09
52-week low	BRL 47.09
52-week low date	2025-11-14
5Y price change	-61.1%
5Y return CAGR	-13.56%
5Y total return	-51.73%
6M price change	4.84%
6M total return	6.75%
All-time high	BRL 1,352.70
All-time high date	2020-01-31
All-time low	BRL 18.27
All-time low date	2023-03-02
Average true range (ATR)	BRL 3.11
Average volume	1.2M
Beta (1Y)	0.34
Beta (2Y)	0.5
Beta (5Y)	0.67
Change from 52-week high	-22.45%
Change from 52-week low	17.75%
Change from all-time high	-95.89%
Change from all-time low	204.65%
Change from open	-2.34%
Day's gap	-0.28%
Dollar volume	BRL 43.2M
High price	BRL 57.17
Low price	BRL 55.29
Monthly RSI	50.56
Open price	BRL 56.78
Position in 52-week range	8.51%
Previous close	BRL 56.94
Price vs 150-day SMA	-1.15%
Price vs 20-day SMA	-15.72%
Price vs 200-day SMA	-1.52%
Price vs 50-day SMA	-9.52%
Relative volume	0.66
RSI	29.63
Sharpe ratio	0.62
Sharpe ratio (3Y)	0.4
Sharpe ratio (5Y)	-0.09
Sortino ratio	1.09
Sortino ratio (3Y)	0.78
Sortino ratio (5Y)	-0.02
Volume	779.5K
Weekly RSI	46.13
YTD price change	3.65%
YTD total return	6.73%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	54.9M
Shares change (QoQ)	0.64%
Shares change (YoY)	0.07%
Shares held by institutions	15.71%
Shares outstanding	81.6M

Deeper analysis on BVMF/IRBR3

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BVMF/IRBR3 report

Is a complete BVMF/IRBR3 research report available?

No complete published report is available for bvmf/IRBR3 (BVMF/IRBR3) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/IRBR3 (BVMF/IRBR3)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/IRBR3

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/IRBR3 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/IRBR3

Frequently asked questions