Beacon Financial Corporation (BBT) vs Inter & Co. Inc. (INTR)

Beacon Financial Corporation and Inter & Co. Inc. are both Banks Regional companies. Beacon Financial Corporation and Inter & Co. Inc. are of similar size ($2.4B and $2.2B). Inter & Co. Inc. trades at the lower P/E: 7.7× against 15.4×. Beacon Financial Corporation grew revenue faster over the last twelve months: 76.4% against 52.6%. Beacon Financial Corporation has the higher net margin (13.3% vs 9.22%) and the higher return on invested capital (8.28% vs 0.00%). Both pay a dividend; Beacon Financial Corporation yields more (3.22% vs 0.34%). Across the 18 metrics below, Inter & Co. Inc. leads on 10 and Beacon Financial Corporation on 8.

Valuation

Metric BBT INTR Banks Regional median
P/E 15.44 7.74 12.15
P/S 1.97 0.72 2.37
P/B 0.93 1.07 1.21
Price to free cash flow 10.95 9.79 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.70 0.04 2.27
Earnings yield 6.48% 12.92% 8.11%
Free cash flow yield 9.14% 10.21% 8.98%

Profitability

Metric BBT INTR Banks Regional median
Gross margin 66.78% 58.20% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.32% 9.22% 18.66%
Free cash flow margin 18.00% 7.36% 21.18%
Return on equity 8.49% 15.36% 10.64%
Return on assets 0.93% 1.64% 1.13%
Return on invested capital 8.28% 0.00% 8.33%

Growth

Metric BBT INTR Banks Regional median
Revenue growth (TTM) 76.38% 52.59% 6.61%
EPS growth (last fiscal year) 33.85% 39.47% —
Revenue growth, 5-year CAGR 13.14% — 12.30%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric BBT INTR Banks Regional median
Debt to equity 0.35 0.08 0.22
Current ratio 1.00 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBT INTR Banks Regional median
Dividend yield 3.22% 0.34% 3.75%
Payout ratio 0.29 — 0.27

Size

Metric BBT INTR Banks Regional median
Market cap 2.35b 2.23b 921.07m

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