Inter & Company Incorporation Class A (INTR)
NASDAQ:INTR
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Earnings Data
Report Date
Aug 17, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.18Last Year’s EPS
0.13Same Quarter Last Year
Moderate Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strong set of operating and financial results: robust client growth (44M), large TPV (BRL 1.7tn run rate), rapid loan growth (>30% YoY), margin expansion (NIM +70 bps YoY) and record profitability metrics (net income BRL 395M, ROE 15.5%, RoTE 19.5%). These positives are tempered by near-term asset quality pressures (NPLs up to 5.1%), an expected higher cost of risk (~6% for the year) driven by an early-stage private payroll book and Q1 seasonality in funding, plus fee growth and efficiency still short of longer-term targets. Management frames the issues as expected and manageable (private payroll cohorts breakeven ~6 months; operational and collateral improvements planned) and emphasizes structural advantages (low, stable funding costs, digital distribution, AI-enabled product rollout). Overall, the highlights from growth, revenue, margins and product innovation materially outweigh the manageable near-term headwinds.Company Guidance
Large and Growing Client Base
Total clients reached 44 million with an activation rate near 60% (highest quarterly jump since 2024), indicating strong engagement while keeping customer acquisition costs deliberately low.
Massive TPV and Payment Volume Growth
Combined cards and PIX volume produced a BRL 1.7 trillion run rate, up 25% year-over-year; 8.5% of PIX transactions in Brazil flow through Inter.
Strong Loan Portfolio Scaling
Gross loan portfolio scaled to more than BRL 50 billion (nearly BRL 50bn reported), growing 33% year-on-year (37% YoY excluding SME short-duration portfolio) and 3% quarter-on-quarter.
High Growth Across Key Credit Products
Mortgages grew 42% YoY, home equity grew 43% YoY, payroll & personal loans grew 38% YoY, and credit cards grew 27% YoY; three products are growing near 40% YoY.
Notable Private Payroll Momentum
Private payroll portfolio reached BRL 2.5 billion with 600,000 active clients and strong origination (including ~30% early origination via WhatsApp). Management reports ROE for the product around 30% at current pricing and cohorts breakeven in ~6 months.
Robust Funding and Deposits
Total funding reached BRL 74 billion (+25% YoY); loan-to-deposit ratio increased 4 percentage points YoY; deposits per active client remain above BRL 2,000; My Piggy Bank product surpassed 5 million clients.
Revenue and Margin Expansion
Total gross revenue surpassed BRL 4.3 billion (+37% YoY); total net revenue BRL 2.4 billion (+33% YoY); net interest margin (NIM) at 9.54% (second best on record, +70 bps YoY).
Growing Monetization per Client
Net ARPAC reached BRL 34 (+9% YoY) and margin per active client BRL 21 (+15% YoY); mature clients generate over BRL 130 in gross ARPAC.
Improving Efficiency and Profitability
Efficiency ratio hit a record low of 43.8% (170 bps improvement QoQ). Net income was BRL 395 million (run rate ~BRL 1.6 billion), ROE 15.5% and ROA 1.59% (both record numbers); return on tangible equity 19.5%.
Product and Tech Innovation (AI)
Launched 'Seven', a multi-agent transactional AI platform enabling tasks (investment advice, PIX transfers via text, buying gift cards, managing installments); management highlights broad AI adoption across the company.
Inter & Company Incorporation Class A (INTR) Earnings, Revenues Date & History
INTR Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
INTR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 07, 2026 | $7.84 | $6.70 | -14.54% |
Feb 11, 2026 | $9.17 | $8.87 | -3.34% |
Nov 13, 2025 | $9.78 | $9.10 | -6.87% |
Aug 06, 2025 | $6.45 | $7.37 | +14.24% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Inter & Company Incorporation Class A (INTR) report earnings?
Inter & Company Incorporation Class A (INTR) is schdueled to report earning on Aug 17, 2026, After Close (Confirmed).
What is Inter & Company Incorporation Class A (INTR) earnings time?
Inter & Company Incorporation Class A (INTR) earnings time is at Aug 17, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is INTR EPS forecast?
INTR EPS forecast for the fiscal quarter 2026 (Q2) is 0.18.