IRB-Brasil Resseguros S.A. (BVMF:IRBR3)

Total Valuation

BVMF:IRBR3 has a market cap or net worth of BRL 3.70 billion. The enterprise value is 4.20 billion.

Market Cap	3.70B
Enterprise Value	4.20B

Important Dates

The next estimated earnings date is Thursday, August 14, 2025.

Earnings Date	Aug 14, 2025
Ex-Dividend Date	n/a

Share Statistics

BVMF:IRBR3 has 81.84 million shares outstanding.

Current Share Class	81.84M
Shares Outstanding	81.84M
Shares Change (YoY)	n/a
Shares Change (QoQ)	+0.00%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	15.55%
Float	55.14M

Valuation Ratios

The trailing PE ratio is 5.26 and the forward PE ratio is 6.16.

PE Ratio	5.26
Forward PE	6.16
PS Ratio	0.62
PB Ratio	0.73
P/TBV Ratio	0.74
P/FCF Ratio	30.65
P/OCF Ratio	24.95
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.84, with an EV/FCF ratio of 34.77.

EV / Earnings	5.97
EV / Sales	0.71
EV / EBITDA	5.84
EV / EBIT	5.98
EV / FCF	34.77

Financial Position

The company has a current ratio of 1.36, with a Debt / Equity ratio of 0.10.

Current Ratio	1.36
Quick Ratio	1.05
Debt / Equity	0.10
Debt / EBITDA	0.73
Debt / FCF	4.37
Interest Coverage	5.46

Financial Efficiency

Return on equity (ROE) is 14.73% and return on invested capital (ROIC) is 8.22%.

Return on Equity (ROE)	14.73%
Return on Assets (ROA)	2.83%
Return on Invested Capital (ROIC)	8.22%
Return on Capital Employed (ROCE)	6.04%
Revenue Per Employee	17.68M
Profits Per Employee	2.10M
Employee Count	335
Asset Turnover	0.38
Inventory Turnover	n/a

Taxes

In the past 12 months, BVMF:IRBR3 has paid 325.22 million in taxes.

Income Tax	325.22M
Effective Tax Rate	31.63%

Stock Price Statistics

The stock price has increased by +42.38% in the last 52 weeks. The beta is 0.71, so BVMF:IRBR3's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+42.38%
50-Day Moving Average	47.43
200-Day Moving Average	46.58
Relative Strength Index (RSI)	38.16
Average Volume (20 Days)	899,725

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, BVMF:IRBR3 had revenue of BRL 5.92 billion and earned 703.02 million in profits. Earnings per share was 8.59.

Revenue	5.92B
Gross Profit	709.52M
Operating Income	701.57M
Pretax Income	1.03B
Net Income	703.02M
EBITDA	718.62M
EBIT	701.57M
Earnings Per Share (EPS)	8.59

Balance Sheet

The company has 4.60 billion in cash and 527.93 million in debt, giving a net cash position of -497.14 million or -6.07 per share.

Cash & Cash Equivalents	4.60B
Total Debt	527.93M
Net Cash	-497.14M
Net Cash Per Share	-6.07
Equity (Book Value)	5.09B
Book Value Per Share	62.16
Working Capital	1.57B

Cash Flow

In the last 12 months, operating cash flow was 148.21 million and capital expenditures -27.53 million, giving a free cash flow of 120.69 million.

Operating Cash Flow	148.21M
Capital Expenditures	-27.53M
Free Cash Flow	120.69M
FCF Per Share	1.47

Margins

Gross margin is 11.98%, with operating and profit margins of 11.84% and 11.87%.

Gross Margin	11.98%
Operating Margin	11.84%
Pretax Margin	17.36%
Profit Margin	11.87%
EBITDA Margin	12.13%
EBIT Margin	11.84%
FCF Margin	2.04%

Dividends & Yields

BVMF:IRBR3 does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	19.01%
FCF Yield	3.26%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 25, 2023. It was a reverse split with a ratio of 0.0333333333.

Last Split Date	Jan 25, 2023
Split Type	Reverse
Split Ratio	0.0333333333

Scores

Altman Z-Score	n/a
Piotroski F-Score	6