Inter & Co. Inc. INTR

5.11 0.05 0.99% as of 25 Sep
Market cap
$2.2B
P/E
7.7×
Growth Flags show if company had growth for consecutive years

Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 45.54%

Capital & Financial Ratios

Market Cap 2,230.00
Revenue 3,131.55
Net Income 298.95
Free Cash Flow 230.37
Net Debt (2,129.98)
Current Ratio 0.90
Debt/Equity 0.08
P/E ratio 7.74
P/S ratio 0.72
P/B ratio 1.07
Past 5Y EPS Growth 107.84%
This Y EPS Growth 26.20%
Next Y EPS Growth 24.52%
Next 5Y EPS Growth 23.61%
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield 0.34%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.04
0.11
2025 0.03
0.08
2024 0.03
0.03
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 1,387 1,185 2,090 2,295
Receivables — — — —
Inventory — — — —
Other — — — —
7,720 8,513 11,018 12,891
2023 2024 2025 Q'26
Payables 8,447 10,034 12,442 14,293
ST’ Debt — — — —
Other — — — —
8,447 10,034 12,442 14,293
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — — 33.92%
Cash Flow — — 50.34%
Earnings — — 0.00%
Book Value — — 10.67%

Revenue

Mar Jun Sep Dec Year
’26 796 880 — — —
’25 515 605 701 755 2,575
’24 437 431 453 480 1,801
’23 327 372 417 415 1,530
’22 224 273 273 303 1,072
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 276 (634) — — —
’25 229 460 757 (61) 1,384
’24 (229) 143 348 434 697
’23 139 695 387 290 1,511
’22 171 401 (104) (60) 407
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 247 (663) — — —
’25 204 432 731 (84) 1,282
’24 (252) 82 368 405 602
’23 126 679 373 278 1,456
’22 26 380 (103) 50 353
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.17 0.19 — — —
’25 0.11 0.13 0.14 0.16 0.53
’24 0.09 0.09 0.10 0.11 0.38
’23 0.01 0.02 0.05 0.07 0.15
’22 0.00 0.01 (0.01) 0.01 (0.01)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — — 1.72 1.37 3.88 4.00

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — — 4.63 5.95 7.84 10.22
High Price
— — — — — 3,898 4,030 3,235 4,333 4,124
Employees
— — — — — 0 0 0 0 1
Revenue/Emp
— — — — — 512 1,072 1,530 1,801 2,575
Revenue
— — — — — 80.35% 64.36% 62.21% 65.90% 58.43%
Gross Margin
— — — — — (43) (35) 88 224 291
EBT
— — — — — (8.36%) (3.23%) 5.76% 12.41% 11.30%
EBT Margin
— — — — — (10) (3) 71 180 250
Net Income
— — — — — 11 32 32 39 61
Depreciation
— — — — — 0.20 2.67 3.81 4.13 5.85
Revenue/Sh
— — — — — 0.00 (0.01) 0.15 0.39 0.53
Earnings/Sh
— — — — — 0.01 1.02 3.76 1.60 3.14
Cash Flow/Sh
— — — — — (0.02) (0.13) (0.14) (0.22) (0.23)
Capex/Sh
— — — — — (0.01) 0.88 3.62 1.38 2.91
Free CF/Sh
— — — — — 0.62 3.42 3.79 3.86 4.23
Book Value/Sh
— — — — — 2,541 401 402 436 440
Shares
— — — — — 306.67 306.67 33.63 10.82 15.70
PE Ratio
— — — — — 0.00 0.69 1.41 1.02 1.45
PS Ratio
— — — — — 5.59 0.54 1.42 1.09 2.01
PB Ratio
— — — — — 0.00 (0.06) 0.52 0.38 0.70
EV/Sales
— — — — — 0.00 (0.19) 0.55 1.13 1.40
EV/FCF
— — — — — 17 407 1,511 697 1,384
Op' Cash Flow
— — — — — (53) (54) (55) (94) (102)
Capex
— — — — — (36) 353 1,456 602 1,282
FCF
— — — — — (405) (334) (727) (1,522) (1,424)
Working Cap'
— — — — — 5 7 22 24 146
Total Debt
— — — — — (533) (804) (1,365) (1,162) (1,944)
Net Debt
— — — — — 1,566 1,373 1,522 1,682 1,861
Sh' Equity
— — — — — 0.00% (0.03%) 0.57% 1.28% 1.48%
ROA
— — — — — 4.09% 19.24% 158.71% 66.90% 0.00%
ROIC
— — — — — 0.00% (0.15%) 4.18% 10.50% 13.27%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Inter & Co. Inc. (INTR) key facts

  • Inter & Co. Inc. (INTR) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Inter & Co. Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.6 billion, up 43.0% from fiscal 2024.
  • Net income was $250.3 million, or $0.53 per share (basic), a net margin of 9.13%.
  • As of September 25, 2026, INTR traded at $5.11, a market capitalization of $2.2 billion.
  • At that price the stock trades at 7.7× trailing-twelve-month earnings and 0.7× sales.
  • Return on equity was 13.3% and debt-to-equity 0.08.

Source: company filings (standardised) and stockrow calculations.

Inter & Co. Inc. (INTR) Latest News

News by impact score

Fine-tune

12 Aug

3 transcript

Inter & Co. Inc. (INTR) held its Q2 2026 earnings call covering financial results, operations and outlook. Earnings call details can moderately shift short-term market views on INTR performance.

8 Aug

4

Inter & Co shares fell 5.9% after the company reported record Q2 profitability and achieved capital neutrality milestones. Record Q2 profitability and capital neutrality milestones constitute major financial achievements that can significantly shift company trajectory and investor views.

3

Inter & Co. Inc. (INTR) may be 84% undervalued based on its 60 30 30 narrative. Valuation narrative on 84% undervaluation may shift INTR investor sentiment without altering core operations.

6 Aug

4

Inter & Co Inc posted record net income and net interest margin for Q2 2026. Record Q2 2026 net income and NIM signal major positive shift in financial trajectory and investor sentiment.

3 transcript

Inter & Co. Inc. released Q2 earnings call highlights covering financial results, operational metrics, and strategic outlook. Q2 earnings metrics directly inform near-term valuation and trading activity for Inter & Co. Inc.

3

Inter & Co. Inc. sustains its ongoing profitability streak. Sustained profits indicate steady earnings that may support moderate market sentiment without major trajectory shifts.

5 Aug

4

Inter&Co posts record Q2 results with strong growth and $81M net income as Rule of 50 is achieved. Record earnings and Rule of 50 attainment signal major positive shift in financial trajectory and investor outlook.

3

Inter & Co. Inc. posted Q2 earnings and revenues above analyst estimates. Q2 earnings and revenue beats signal improved financial results that may lift near-term stock performance.

13 Jul

4

Inter launches wearables in the U.S. enabling banking services beyond mobile phones. Wearables launch marks major product innovation expanding market reach and competitive edge.

2 Jul

3

Inter & Co. Inc. CFO highlighted adherence to Rule of 50 metrics alongside U.S. expansion efforts, stating that operational discipline is delivering results. CFO comments on Rule of 50 and U.S. expansion outline growth plans that may moderately affect financial trajectory and positioning.

8 Jun

3

Inter & Co. Inc. opens a U.S. branch in Miami. Miami branch launch initiates U.S. market entry and operational expansion for Inter & Co.

11 May

4

Inter & Co. Inc. (INTR) adopts the Rule of 50—targeting revenue growth rate plus profitability margin totaling at least 50%—as its core guiding principle for future performance. Declaring the Rule of 50 as the north star commits to balancing aggressive growth with profitability, positioning the company for stronger investor sentiment and trajectory shifts.

4

Inter & Co. Inc. (INTR) sets ‘Rule of 50’ target to drive growth and return on equity gains as its digital bank accelerates expansion. ‘Rule of 50’ target signals major strategic push for revenue growth and ROE improvement, poised to reshape competitive positioning and investor sentiment.

3

Inter & Co. Inc. (INTR) shares dropped 21% in four weeks, creating a buy-the-dip opportunity due to strong fundamentals and growth prospects. Buy recommendation after 21% decline highlights potential recovery in financial performance and market sentiment.

8 May

4

Inter & Co. Inc. (INTR) governance overhaul quietly reframes its core investment story, enhancing board independence, aligning incentives, and signaling long-term strategic maturity amid digital banking growth. Governance overhaul constitutes a major strategic shift improving board quality and investor trust, poised to significantly influence INTR's valuation and market performance.

4

Inter & Co, Inc. released Q1 2026 earnings call summary detailing financial results, strategic updates, and outlook. Q1 2026 earnings summary discloses financial metrics and guidance directly influencing stock performance and investor sentiment.

4

Inter & Co. Inc. (INTR) released Q1 earnings call highlights detailing financial results, operational updates, and forward guidance. Q1 earnings call highlights disclose key financial metrics and strategic outlook directly impacting stock valuation and investor confidence.

7 May

5

Inter&Co delivers record first quarter, surpassing 44 million clients and R$50 billion (US$9.5B) in credit as AI-powered super app strategy accelerates. Record-breaking client base exceeding 44 million and R$50 billion credit portfolio driven by accelerating AI super app strategy fundamentally enhances long-term growth and market position.

5 May

3

Analysts forecast higher earnings and revenue for Inter & Co. Inc. (INTR), prompting a valuation analysis. Analyst forecasts of higher earnings and revenue signal moderately noticeable positive influence on INTR's financial performance and investor sentiment.

4 May

3

Inter & Co. Inc. (INTR) earnings expected to grow, analysis questions if investors should buy the stock. Expected earnings growth signals moderate positive impact on financial performance and market sentiment.

27 Apr

4

Wall Street analysts expect Inter & Co. Inc. (INTR) stock to rally 30.38%, driven by positive projections on growth and performance. Analyst consensus projects 30.38% upside for INTR, likely enhancing investor sentiment and market trajectory.

21 Apr

3

Inter & Co. Inc. (INTR) upgraded to Buy rating by analysts, citing strong growth prospects, solid financials, and attractive valuation for investors. Analyst upgrade to Buy reflects improved outlook on financials and growth, likely enhancing investor sentiment and moderately impacting stock performance.

30 Mar

4

Intrepid Metals announces leadership transition following strategic validation, positioning the company for next phase of growth. Leadership transition after strategic validation marks a major strategic shift to propel future growth and market performance.

18 Feb

4

SoftBank added TwentyOne Capital to its portfolio while completely exiting Nvidia in a Q4 portfolio reconfiguration. SoftBank's addition of TwentyOne Capital linked to Inter & Co. provides significant strategic investment boosting INTR's market position and investor sentiment.

13 Feb

4 transcript

Inter & Co. Inc. (INTR) reported strong loan growth in its Q4 2025 earnings call, highlighting the brand's resilience and strategic initiatives that contributed to its performance. The company emphasized its commitment to expanding its market presence and enhancing customer engagement, which are expected to drive future growth. Strong loan growth and strategic initiatives indicate significant potential for future performance and market positioning.

4 transcript

Inter & Co. Inc. (INTR) reported record growth in its Q4 2025 earnings call, highlighting strategic initiatives that contributed to its strong performance. The company emphasized its focus on innovation and market expansion, which have positioned it favorably in a competitive landscape. Key metrics showed significant increases in revenue and customer engagement, reflecting the effectiveness of its strategies. Management expressed optimism about future growth prospects and outlined plans for continued investment in technology and services. Record growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

12 Feb

4

Inter & Co. Inc. (INTR) reported strong earnings, surpassing expectations with record client and loan growth. The company's performance reflects a robust demand for its services, indicating a positive trajectory in its operations. Analysts are optimistic about the future, considering the growth metrics and the overall financial health of the company. Record client and loan growth signals a significant positive shift in the company's market position and future performance.

11 Feb

4 transcript

Inter & Co. Inc. reported its Q4 earnings, highlighting significant growth in revenue and customer acquisition. The company emphasized its strategic initiatives aimed at enhancing digital banking services and expanding its market presence. Management provided insights into future growth prospects and ongoing investments in technology to improve customer experience. Overall, the earnings call reflected a positive outlook for the company, with expectations for continued momentum in the upcoming quarters. Significant growth in revenue and strategic initiatives indicate a strong potential for future performance.

4 transcript

Inter & Co. Inc. (INTR) reported its Q4 2025 earnings, highlighting significant growth in revenue and customer acquisition. The company emphasized its strategic initiatives aimed at enhancing digital banking services and expanding its market presence. Management provided insights into future growth prospects and ongoing investments in technology to improve customer experience. Overall, the earnings call reflected a positive outlook for the company amidst a competitive landscape. Significant growth in revenue and strategic initiatives indicate a strong potential for future performance.

4

Inter & Co. Inc. (INTR) reported better-than-expected earnings and revenue for Q4, surpassing analysts' estimates. The company's strong performance reflects its effective strategies and market positioning, contributing to positive investor sentiment. This financial success may enhance its competitive standing and attract further investment. The significant earnings beat indicates strong operational performance that could positively influence future growth and investor confidence.

stockrow.com/INTR · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com