Inter & Company Incorporation Class A (INTR)
NASDAQ:INTR
Want to see INTR full AI Analyst Report?
Earnings Data
Report Date
May 07, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.17Last Year’s EPS
0.12Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strongly positive operational and financial performance: robust loan growth (36% YoY), significant revenue and margin expansion (gross revenues +45% YoY, NII +41% YoY), record client acquisition and engagement metrics, improved efficiency and profitability (net income BRL 1.3bn and ROE >15%), and major strategic milestones (US bank license, Cayman branch). Challenges remain around fee income dynamics, certain expense increases (notably one‑offs and D&A), evolving private‑payroll asset quality as cohorts mature, and competitive pressure in some fee businesses. Management articulated clear actions (AI, product initiatives, capital management, investor day deep dives) to address those issues, indicating momentum to continue into 2026.Company Guidance
Strong Top-Line Revenue Growth
Total gross revenues reached BRL 15,000,000,000, a 45% year‑over‑year increase; net revenues grew 31% YoY to BRL 8,400,000,000, driven primarily by credit portfolio expansion (NII +41% YoY).
Robust Loan Growth and Product Mix
Loan portfolio grew 36% YoY with quarterly acceleration (10% QoQ / ~40% annualized). Mortgages +48% YoY, home equity +35% YoY, credit cards +29% YoY, and private payroll grew from near zero to ~BRL 2,000,000,000 with ~500,000 clients.
Improving Profitability and ROE
Net income for 2025 was BRL 1,300,000,000 and the company surpassed 15% ROE in the last quarter, reflecting sustained margin expansion and improved monetization.
Record Client Acquisition and Engagement
Welcomed 7,000,000 new clients in 2025 (best annual result), with 4,400,000 becoming active (activation rate 58%); daily logins in December rose to 21,500,000 from 17,000,000 a year earlier; processed ~1,000,000,000 transactions in December (~32,000 transactions/min).
Payments & TPV Expansion
TPV run rate grew 27% in the year to BRL 1,800,000,000,000; PIX volumes ~BRL 1,500,000,000,000 for the year with PIX market share at 8.5%.
Operational Efficiency Gains
Efficiency ratio improved from 48.4% to 45.5% in 2025 (nearly 300 bps improvement year‑over‑year) due to digital scale, process optimization and cost initiatives; gross margin per active client reached BRL 21.2.
Enhanced Unit Economics
Net ARPAK reached a record BRL 35.1 (mature clients BRL 91); cost to serve remained low at BRL 13.8, supporting best‑ever gross margin per active client.
Funding Strength and Low Cost of Funding
Funding grew 32% YoY to nearly BRL 73,000,000,000 with an average balance of BRL 2,100 per active client; transactional deposits passed BRL 20,000,000,000 and cost of funding improved to 65.6% of CDI from 68.2% QoQ.
Key Product & Engagement Launches
Launched/expanded multiple client features: My Pick Bank (1,500,000 active users), My Credit Journey (3,000,000 unique accesses), over 10 other features including AI taskbar; investment client base reached 9,000,000 and an event hosted 6,000 attendees.
Global Expansion Milestones
Obtained US bank license (approved Jan 6) and previously secured a Cayman branch license (2024); US deposit base stands at $320,000,000; launched USD credit cards and announced Bind partnership for Argentina — positioning to offer USD accounts and expand international offerings.
Brand & Customer Satisfaction Recognition
Ranked 7th most powerful brand in Brazil, 3rd most mentioned on Brazilian social media, #1 bank brand among Gen Z, and #1 rated financial app on both Apple Store and Google Play; sustained NPS of 85.
Capital Management & Dividends Policy
Bank CET1 at 14.4% with holding-level excess capital (~BRL 2,000,000,000 ~4.5 p.p. of CET1); management expects continuation of a ~20% payout ratio for dividends while balancing growth and capital needs.
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 |
|---|---|---|---|
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% |
May 12, 2025 | $7.02 | $6.64 | -5.36% |
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 May 07, 2026, After Close (Confirmed).
What is Inter & Company Incorporation Class A (INTR) earnings time?
Inter & Company Incorporation Class A (INTR) earnings time is at May 07, 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 (Q1) is 0.17.