Inter & Co. Inc. (INTR) vs WaFd, Inc. (WAFD)

Inter & Co. Inc. and WaFd, Inc. are both Banks Regional companies. Inter & Co. Inc. and WaFd, Inc. are of similar size ($2.3B and $2.2B). Inter & Co. Inc. trades at the lower P/E: 7.7× against 9.8×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against −4.62%. WaFd, Inc. has the higher net margin (17.4% vs 9.22%) and the higher return on invested capital (3.66% vs 0.00%). Both pay a dividend; WaFd, Inc. yields more (3.65% vs 0.34%). Across the 18 metrics below, Inter & Co. Inc. leads on 10 and WaFd, Inc. on 8.

Valuation

Metric INTR WAFD Banks Regional median
P/E 7.74 9.83 12.15
P/S 0.72 1.67 2.37
P/B 1.07 0.85 1.21
Price to free cash flow 9.79 8.31 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.04 3.53 2.27
Earnings yield 12.92% 10.18% 8.11%
Free cash flow yield 10.21% 12.03% 8.98%

Profitability

Metric INTR WAFD Banks Regional median
Gross margin 58.20% 56.36% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.22% 17.42% 18.66%
Free cash flow margin 7.36% 20.07% 21.18%
Return on equity 15.36% 8.90% 10.64%
Return on assets 1.64% 0.89% 1.13%
Return on invested capital 0.00% 3.66% 8.33%

Growth

Metric INTR WAFD Banks Regional median
Revenue growth (TTM) 52.59% (4.62%) 6.61%
EPS growth (last fiscal year) 39.47% 5.20% —
Revenue growth, 5-year CAGR — 14.78% 12.30%
Net income growth, 5-year CAGR — 4.04% 9.71%

Health

Metric INTR WAFD Banks Regional median
Debt to equity 0.08 1.08 0.22
Current ratio 0.90 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric INTR WAFD Banks Regional median
Dividend yield 0.34% 3.65% 3.75%
Payout ratio — 0.24 0.27

Size

Metric INTR WAFD Banks Regional median
Market cap 2.23b 2.29b 921.07m

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