Inter & Co. Inc.
INTR Financial Banks Regional
Inter & Co. Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.6 billion, up 43.0% from fiscal 2024. In the quarter to June 2026, revenue grew 45.5%, EPS grew 46.2%, free cash flow fell 253.5% and total debt rose 62.9%, each against the same quarter a year earlier. Revenue growth for three consecutive years.
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Inter & Co. Inc. (INTR) Piotroski F-score
Inter & Co. Inc.'s Piotroski F-score for fiscal 2025 is 6 out of 9: 6 of nine tests of profitability, leverage and efficiency passed, unchanged from fiscal 2024.
Piotroski F-score, annual
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Annual newest first
| Period | Piotroski F-score | Change (points) |
|---|---|---|
| FY2025 | 6 | 0.00 |
| FY2024 | 6 | 1.00 |
| FY2023 | 5 | — |
How fiscal 2025’s score is made up
| Test | This year | Year before | Result | Points |
|---|---|---|---|---|
| Positive return on assets | 1.48% | 1.28% | Pass | 1 |
| Positive operating cash flow | 1.38b | 696.93m | Pass | 1 |
| Rising return on assets | 1.48% | 1.28% | Pass | 1 |
| Cash flow above net income | 1.15b | 528.75m | Pass | 1 |
| Falling long-term leverage | 0.01 | 0.00 | Fail | 0 |
| Rising current ratio | 0.89 | 0.85 | Pass | 1 |
| No new shares issued | 440,228,000 | 435,927,000 | Fail | 0 |
| Rising gross margin | 58.43% | 65.90% | Fail | 0 |
| Rising asset turnover | 0.16 | 0.14 | Pass | 1 |
| Piotroski F-score | Mixed | 6 | ||
How the Piotroski F-score works
One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.
Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:
| 7–9 | Strong — most fundamentals improved |
|---|---|
| 4–6 | Mixed |
| 0–3 | Weak — most fundamentals deteriorated |
Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.
Piotroski F-score against peers
| Company | Piotroski F-score |
|---|---|
| FHB First Hawaiian, Inc. compare | 9 |
| PRK Park National Corporation compare | 9 |
| CBU Community Financial System, Inc. compare | 8 |
| CLBK Columbia Financial compare | 7 |
| PFS Provident Financial Services, Inc compare | 7 |
| INTR Inter & Co. Inc. | 6 |
| BKU BankUnited, Inc. compare | 6 |
| SFNC Simmons First National Corporation compare | 4 |
| SBCF Seacoast Banking Corporation of Florida compare | 4 |
What Piotroski F-score is
The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.
One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover