Inter & Co. Inc. (INTR) vs QCR Holdings, Inc. (QCRH)

Inter & Co. Inc. and QCR Holdings, Inc. are both Banks Regional companies. Inter & Co. Inc. and QCR Holdings, Inc. are of similar size ($1.7B and $1.7B). Inter & Co. Inc. trades at the lower P/E: 5.8× against 11.9×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 6.98%. QCR Holdings, Inc. has the higher net margin (22.9% vs 9.22%) and the higher return on invested capital (6.62% vs 0.00%). Both pay a dividend; Inter & Co. Inc. yields more (2.96% vs 0.41%). Across the 17 metrics below, Inter & Co. Inc. leads on 10 and QCR Holdings, Inc. on 7.

Valuation

Metric INTR QCRH Banks Regional median
P/E 5.79 11.88 12.02
P/S 0.54 2.68 2.36
P/B 0.80 1.45 1.23
Price to free cash flow 7.32 2.10 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 17.28% 8.41% 8.21%
Free cash flow yield 13.66% 47.70% 9.23%

Profitability

Metric INTR QCRH Banks Regional median
Gross margin 58.20% 63.77% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.22% 22.86% 18.82%
Free cash flow margin 7.36% 127.89% 17.97%
Return on equity 15.36% 12.91% 10.28%
Return on assets 1.64% 1.51% 1.13%
Return on invested capital 0.00% 6.62% 8.45%

Growth

Metric INTR QCRH Banks Regional median
Revenue growth (TTM) 52.59% 6.98% 6.37%
EPS growth (last fiscal year) 39.47% 11.62% 18.85%
Revenue growth, 5-year CAGR — 14.10% 12.65%
Net income growth, 5-year CAGR — 15.99% 9.81%

Health

Metric INTR QCRH Banks Regional median
Debt to equity 0.08 0.57 0.17
Current ratio 0.90 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric INTR QCRH Banks Regional median
Dividend yield 2.96% 0.41% 2.49%
Payout ratio 0.17 0.05 0.29

Size

Metric INTR QCRH Banks Regional median
Market cap 1.66b 1.65b 934.85m

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