{"id":10574,"date":"2025-07-09T14:39:14","date_gmt":"2025-07-09T17:39:14","guid":{"rendered":"https:\/\/www.irbre.com\/?p=10574"},"modified":"2025-07-18T10:53:26","modified_gmt":"2025-07-18T13:53:26","slug":"insurers-net-profit-grows-23-1-in-april","status":"publish","type":"post","link":"https:\/\/www.irbre.com\/en\/insurers-net-profit-grows-23-1-in-april\/","title":{"rendered":"Insurers’ net profit grows 23.1% in April"},"content":{"rendered":"

Despite declines in January and February, year-to-date revenue totaled R$12.5 billion, an 8.2% increase compared to the same period in 2024. Premium issuance in the month reached R$18 billion<\/em><\/p>\n

The net profit of insurance companies increased 23.1% in April, compared to the same period last year, totaling R$3.2 billion. So far, this is the largest positive change for a month in 2025, according to the 52nd edition of the IRB+Mercado Report, released today (July 8th) by the IRB+Intelig\u00eancia platform.<\/p>\n

Although the volume recorded in April was below the R$3.8 billion recorded in March, net income in these two months offset the declines recorded in January (-4.1%) and February (-5.9%). As a result, the year-to-date result, from January to April, totaled R$12.5 billion, an increase of 8.2% compared to the same period last year.<\/p>\n

According to the IRB+Mercado Report, which considers property, liability, and personal insurance, insurers collected R$18 billion in April, an increase of 9.5% compared to the same month in 2024. From January to April, revenue, or premiums issued, reached R$70.3 billion, an increase of 8.9%. The analysis uses a database updated by Susep, the sector’s regulatory agency, on June 23.<\/p>\n

The loss ratio rose 2.5 percentage points (p.p.) in April, year-over-year, reaching 41.5%. Year-to-date, the rate grew 2.1 p.p., closing at 41.6%. The increase was driven primarily by the Corporate Damage and Liability and Automobile segments.<\/p>\n

In April, insurers in the country contracted almost R$2.3 billion in reinsurance, a 24.7% increase compared to the fourth month of last year. From January to April, reinsurance transfers totaled R$9.4 billion, a 16.3% increase compared to the first four months of 2024.<\/p>\n

Life Leads Premium Issuance<\/strong>
\nAccounting for the largest share of the insurance sector, Life, which has a 36.1% share, issued premiums of R$6.6 billion in April, up 10.8% compared to the same month in 2024. Loss ratio for the month closed at 27%, a 4.6 percentage point decrease.<\/p>\n

The Automobile segment, in turn, earned R$4.8 billion in the fourth month of the year, an increase of 4.3%. Regarding the loss ratio, there was a 0.6 percentage point reduction in April, closing at 58.7%.<\/p>\n

Corporate Damage and Liability grew 17.2% in April, collecting R$3.5 billion. The loss ratio for the month closed at 48.1%, up 15.5 p.p..<\/p>\n

Individual Damage Insurance grew 10.2% compared to April 2024 and April 2025, with R$1.5 billion in premiums issued. The loss ratio for the segment closed April at 28.5%, a decrease of 3.6 percentage points.<\/p>\n

The Rural segment issued a total of R$ 908 million in premiums in the fourth month of the year, an 11% decrease compared to the same period last year. The monthly loss ratio closed at 19.1%, an increase of 1.7 percentage points.<\/p>\n

Finally, Credit and Guarantees earned R$654 million in April, an increase of 36.2% compared to a year earlier. This was the largest positive change recorded in April, considering all segments. The loss ratio for the month closed at 67.8%, up 50.8 p.p..<\/p>\n

The IRB+Mercado Report, available in full here on the IRB(Re) website, summarizes insurance operations. The Dashboard IRB+Mercado Segurador, which allows dynamic and free consultation of information, is also online.<\/p>\n","protected":false},"excerpt":{"rendered":"

Despite declines in January and February, year-to-date revenue totaled R$12.5 billion, an 8.2% increase compared to the same period in 2024. Premium issuance in the month reached R$18 billion The net profit of insurance companies increased 23.1% in April, compared to the same period last year, totaling R$3.2 billion. So far, this is the largest […]<\/p>\n","protected":false},"author":5,"featured_media":6921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[63],"tags":[],"class_list":["post-10574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/posts\/10574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/comments?post=10574"}],"version-history":[{"count":2,"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/posts\/10574\/revisions"}],"predecessor-version":[{"id":10576,"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/posts\/10574\/revisions\/10576"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/media\/6921"}],"wp:attachment":[{"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/media?parent=10574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/categories?post=10574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.irbre.com\/en\/wp-json\/wp\/v2\/tags?post=10574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}