The earnings call highlighted strong growth in client base, revenue, and innovative product launches, indicating positive momentum. However, challenges with cost of risk, efficiency ratio improvements, and macroeconomic conditions were noted. Despite these challenges, the sentiment remains cautiously optimistic due to strategic initiatives and product performance.

Company Guidance -

Q3 2025

During Inter's Second Quarter 2025 Earnings Conference Call, the company reported robust financial and operational metrics, showcasing their strategic progress and market growth. Inter announced an impressive milestone, reaching 40 million clients, and highlighted a Net Promoter Score of 85, reflecting strong customer satisfaction. In terms of financial performance, the company achieved a total gross revenue of BRL 3.6 billion, reflecting a 48% year-over-year increase, while net revenues grew by 35%. The total loan portfolio saw an 8% quarter-on-quarter growth, with credit penetration among active clients reaching 33.8%. Notably, the company's private payroll loan portfolio soared to BRL 728 million, demonstrating significant growth potential. Inter's efficiency ratio improved to 47.1%, and the return on equity (ROE) reached a record 13.9%. The introduction of innovative features such as "My Credit" and "My Piggy Bank By Savings Goals" drove client engagement and cross-sell opportunities, contributing to the bank's overall strategy of delivering sustainable, high-quality growth.

Client Base Growth

Reached 40 million clients, with consistent addition of 1 million to 1.1 million active clients each quarter, demonstrating strong brand engagement and platform attractiveness.

New Product Launches

Introduced 'My Credit' and 'My Piggy Bank By Savings Goals' features, with over 425,000 clients using the savings feature within a month, creating more than 529,000 savings goals.

Record Revenue Growth

Achieved BRL 3.6 billion in total gross revenues and BRL 2.0 billion in net revenue, representing a year-over-year growth of 48% and 35% respectively.

NIM Expansion

Net Interest Margin (NIM) consistently showing growth, achieving new record levels, demonstrating effective asset-liability management strategy.

Global Account Performance

Global account clients grew 34% year-over-year, reaching 4.4 million, with a record performance in deposits, up 90% year-over-year.

Credit Portfolio Performance

Total portfolio grew 8% quarter-on-quarter, driven by significant growth in private payroll loan portfolio, which reached BRL 728 million.

Inter & Company Incorporation Class A (INTR) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

INTR Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 11, 2025	2025 (Q3)	0.15 / -	0.098	―	―	―
Aug 06, 2025	2025 (Q2)	0.13 / 0.13	0.091	43.96% (+0.04)
May 12, 2025	2025 (Q1)	0.12 / 0.12	0.079	50.63% (+0.04)
Feb 06, 2025	2024 (Q4)	0.10 / 0.11	0.08	38.75% (+0.03)
Nov 14, 2024	2024 (Q3)	0.10 / 0.10	0.053	84.91% (+0.05)
Aug 07, 2024	2024 (Q2)	0.09 / 0.09	0.032	184.37% (+0.06)
May 09, 2024	2024 (Q1)	0.08 / 0.08	0.012	558.33% (+0.07)
Feb 07, 2024	2023 (Q4)	0.07 / 0.08	0.014	471.43% (+0.07)
Nov 06, 2023	2023 (Q3)	0.05 / 0.05	-0.014	478.57% (+0.07)
Aug 14, 2023	2023 (Q2)	0.01 / 0.03	0.008	300.00% (+0.02)

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
Aug 06, 2025	$6.53	$7.46	+14.24%
May 12, 2025	$7.11	$6.73	-5.34%
Feb 06, 2025	$5.20	$5.48	+5.38%
Nov 14, 2024	$6.02	$5.88	-2.33%

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 Nov 11, 2025, After Close (Confirmed).

What is Inter & Company Incorporation Class A (INTR) earnings time?

Inter & Company Incorporation Class A (INTR) earnings time is at Nov 11, 2025, 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 2025 (Q3) is 0.15.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing