The earnings call reflects a strong positive sentiment with significant client growth, record financial performance, and successful product innovations, despite some challenges in operational efficiency and risk management.

Company Guidance

In Inter's Second Quarter 2025 Earnings Conference Call, significant guidance was provided regarding the company's financial health and strategic direction. Inter achieved a record net income of BRL 315 million, with a return on equity (ROE) of 13.9%, demonstrating consistent profitability. The company's client base reached 40 million, reflecting its strong brand and customer trust. Inter's Net Promoter Score was 85, with app ratings of 4.9 in the Apple Store and 4.8 in the Play Store, showcasing high customer satisfaction. The activation rate improved to 57.7%, while credit penetration grew to 33.8%. The private payroll loan portfolio surged to BRL 728 million, serving 153,000 clients. Inter's diversified loan portfolio, with a focus on collateralized products, continues to perform well, with total payment value increasing by 33% year-over-year to BRL 374 billion. The efficiency ratio improved to 47.1%, highlighting operational leverage. The company's global account clients grew 34% year-over-year, with deposits surpassing $294 million, marking a 90% increase. The strategic investments in digital features like My Credit and My Piggy Bank are driving client engagement and monetization, contributing to Inter's sustainable growth and long-term value creation for stakeholders.

Client Growth and Engagement

Inter reached 40 million clients, with strong engagement indicated by a Net Promoter Score of 85 and high app ratings. The company consistently adds 1 to 1.1 million active clients each quarter, with a growing activation rate.

Record Financial Performance

Total gross revenues reached BRL 3.6 billion, with net revenues growing 35% year-over-year. The company achieved a record ROE of 13.9% and a record net income of BRL 315 million.

Product and Feature Innovations

Launch of 'My Credit' and 'My Piggy Bank by Savings Goals' features, showing high user engagement with 425,000 clients and 529,000 savings goals created within a month.

Credit and Loan Growth

Credit penetration among active clients reached 33.8%. The private payroll loan portfolio soared to BRL 728 million, and real estate lending grew 37% year-over-year.

Global Expansion

Global account clients grew 34% year-over-year, with deposits surpassing $294 million this quarter, up 90% year-over-year.

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	45.05% (+0.04)
May 12, 2025	2025 (Q1)	0.12 / 0.12	0.079	51.90% (+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.

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