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The historical rank and industry rank for IRB Brasil Resseguros's PB Ratio or its related term are showing as below:
BSP:IRBR3'
s PB Ratio Range Over the Past 10 Years
Min: 0.35 Med: 1.09 Max: 10.58
Current: 0.83
During the past 12 years, IRB Brasil Resseguros's highest PB Ratio was 10.58. The lowest was 0.35. And the median was 1.09.
BSP:IRBR3's PB Ratio is ranked better than 78.6% of 500
companies
in the Insurance industry
Industry Median: 1.395
vs BSP:IRBR3: 0.83
During the past 12 months, IRB Brasil Resseguros's average Book Value Per Share Growth Rate was 4.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -5.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -4.70% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of IRB Brasil Resseguros was 8.20% per year. The lowest was -18.40% per year. And the median was -0.30% per year.
Back to Basics: PB Ratio
IRB Brasil Resseguros (BSP:IRBR3) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Reinsurance subindustry, IRB Brasil Resseguros's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
IRB Brasil Resseguros PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, IRB Brasil Resseguros's PB Ratio distribution charts can be found below:
* The bar in red indicates where IRB Brasil Resseguros's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
IRB Brasil Resseguros (BSP:IRBR3) has a PB Ratio of 0.83 as of Jul. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IRB Brasil Resseguros and its competitors. This is 24% below median its historical median of 1.09. Over the past decade, IRB Brasil Resseguros' PB Ratio has ranged from 0.35 to 10.58. According to the industry distribution chart, IRB Brasil Resseguros ranks #107 out of 500 companies in the Insurance industry, placing it in the top 21.4%.
Is IRB Brasil Resseguros' PB Ratio too high?
IRB Brasil Resseguros' current PB Ratio of 0.83 is 24% below median its 10-year median of 1.09. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 10.58. The Insurance industry median PB Ratio is 1.40. IRB Brasil Resseguros' value of 0.83 is 40.5% below this industry median. Based on the distribution chart, IRB Brasil Resseguros ranks #107 out of 500 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, IRB Brasil Resseguros has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IRB Brasil Resseguros' PB Ratio compare to RGA and EG?
According to the Insurance industry distribution chart, IRB Brasil Resseguros ranks #107 out of 500 companies for PB Ratio. This places IRB Brasil Resseguros in the top 21% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.40. IRB Brasil Resseguros' value of 0.83 is 40.5% below this benchmark. Historically, IRB Brasil Resseguros' own PB Ratio has ranged from 0.35 to 10.58 over the past decade. While the company's 10-year median is 1.09 vs. the industry median of 1.40, IRB Brasil Resseguros has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. IRB Brasil Resseguros's current PB Ratio of 0.83 is 40.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on IRB Brasil Resseguros and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IRB Brasil Resseguros's current PB Ratio is 0.83, which is 24% below median its own 10-year median of 1.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IRB Brasil Resseguros stock overvalued right now?
Based on GuruFocus' analysis, IRB Brasil Resseguros (BSP:IRBR3) is currently considered Fairly Valued. The stock's GF Value™ is R$53.07, compared to a current price of R$53.84 — trading 1.5% above its estimated fair value. The current PB Ratio is 0.83, which is 24% below median its 10-year median of 1.09 and 40.5% below the Insurance industry median of 1.40. IRB Brasil Resseguros' overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For IRB Brasil Resseguros (BSP:IRBR3), the current PB Ratio is 0.83 as of Jul. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is IRB Brasil Resseguros (BSP:IRBR3) Overvalued in 2026?
Based on GuruFocus' analysis, IRB Brasil Resseguros stock appears to be overvalued.
The current stock price of R$53.84 is trading 1.5% above its estimated GF Value™ of R$53.07.
GuruFocus considers IRB Brasil Resseguros to be Fairly Valued.
Key valuation signals for BSP:IRBR3:
PB Ratio: 0.83 (24% below median its 10-year median of 1.09)
GF Value™: R$53.07 vs. price of R$53.84 (1.5% above fair value)
Industry Position: 40.5% below the Insurance median (#107 of 500)
No single metric tells the full story. See the BSP:IRBR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IRB Brasil Resseguros SA is a Brazil-based company that provides reinsurance solutions. It offers reinsurance solutions for aviation, engineering, surety, financial, oil and gas, property, casualty, agricultural, cargo and marine, life and pension, and miscellaneous. Its business segments are Brazil, Abroad, and Other.
57GF Score
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