Inter & Company Incorporation Class A (INTR)
NASDAQ:INTR
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Inter & Company Incorporation Class A
(NASDAQ:INTR)
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Rating:66Neutral
Price Target:
$9.00
▼(-3.54% Downside)
Action:ReiteratedDate:03/24/26
The score is driven primarily by improving fundamentals (growth and sustained profitability) but held back by a sharp increase in leverage and weaker technical momentum. Valuation appears reasonable with a modest yield, providing some support but not enough to offset the risk and trend signals.
Positive Factors
Sustained revenue and profit acceleration
Consistent top‑line re-acceleration and a return to sustained profitability indicate the business model is scaling. Durable revenue growth improves funding of investments and provisioning, supports margin stability, and underpins longer-term return targets even amid cyclical pressures.
Negative Factors
Sharp increase in leverage
A near-tripling of debt-to-equity materially raises funding and solvency sensitivity. Higher leverage reduces capital flexibility, amplifies earnings volatility through funding-cost shocks, and limits resilience to tightening credit conditions or regulatory capital demands.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue and profit acceleration
Consistent top‑line re-acceleration and a return to sustained profitability indicate the business model is scaling. Durable revenue growth improves funding of investments and provisioning, supports margin stability, and underpins longer-term return targets even amid cyclical pressures.
Read all positive factors
Inter & Company Incorporation Class A (INTR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.38B
Dividend Yield0.97%
Average Volume (3M)2.78M
Price to Earnings (P/E)15.9
Beta (1Y)0.70
Revenue Growth24.97%
EPS Growth36.91%
CountryUS
Employees4,030
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.16
Shares Outstanding324,284,550
10 Day Avg. Volume2,811,686
30 Day Avg. Volume2,781,883
Financial Highlights & Ratios
PEG Ratio0.40
Price to Book (P/B)2.01
Price to Sales (P/S)1.40
P/FCF Ratio6.82
Enterprise Value/Market Cap10.89
Enterprise Value/Revenue2.52
Enterprise Value/Gross Profit6.05
Enterprise Value/Ebitda19.78
Forecast
1Y Price Target
$12.00Price Target Upside28.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.83
Revenue Forecast (FY)$2.07B
Inter & Company Incorporation Class A Business Overview & Revenue Model
Company Description
Inter & Co, Inc., through its subsidiaries, engages in the banking, securities, insurance brokerage, marketplace, asset management, and services businesses. The company's Banking segment offers banking products and services, including checking acc...
How the Company Makes Money
Inter & Co generates revenue primarily from a mix of banking and financial-services monetization within its digital platform. Key revenue streams typically include: (1) Net interest income, earned on the spread between interest income from lending...
Inter & Company Incorporation Class A Key Performance Indicators (KPIs)
Inter & Company Incorporation Class A Earnings Call Summary
Earnings Call Date:Nov 13, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:May 13, 2026
Earnings Call Sentiment Positive
The earnings call highlighted strong client growth, transaction volumes, and a record loan portfolio expansion. However, there are challenges with increased cost of risk and fee income growth slowdown, influenced by economic headwinds such as high Selic rates.Positive Updates
Record Client Growth
Inter welcomed 2 million new clients, setting a new record and surpassing the previous record set in 2022.
Negative Updates
Increased Cost of Risk
Cost of risk reached 5.35%, primarily driven by upfront provisioning for the new private payroll portfolio.
Read all updates
Q3-2025 Updates
Positive
Negative
Record Client Growth
Inter welcomed 2 million new clients, setting a new record and surpassing the previous record set in 2022.
Read all positive updates
Company Guidance
In Inter & Co's third Quarter 2025 earnings call, the company provided optimistic guidance underpinned by robust growth metrics and strategic initiatives. Inter reported a record quarter with 2 million new clients, bringing their total client base to 41 million and achieving an activation rate of 58%. The company processed over 850 million financial transactions in September alone, with active clients transacting BRL 412 billion, a 30% year-over-year increase, largely driven by PIX transactions. Their credit card volume reached a new high, surpassing BRL 15 billion, indicating a 20% growth. The loan book expanded by 30% year-on-year, with a notable 9% quarterly growth. Inter's Net Promoter Score remained strong at 85 points, reflecting high client satisfaction. Financially, Inter reported a net revenue of 2.1 billion reais, up 29% year-on-year, and achieved a record net income of BRL 336 million with a ROE of 14.2%. The guidance emphasized continued innovation through 380 AI initiatives, global expansion, and talent development, aligning with their six thirty thirty plan to balance profitability and growth. The company remains focused on sustaining its momentum into 2026, driven by a commitment to enhancing client value across its seven verticals.Inter & Company Incorporation Class A Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
70
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 14.62B | 9.71B | 7.64B | 5.54B | 2.77B |
| Gross Profit | 6.20B | 4.60B | 3.21B | 2.48B | 1.63B |
| EBITDA | 1.93B | 1.41B | 600.28M | -14.60M | -172.72M |
| Net Income | 1.29B | 907.13M | 302.34M | -11.09M | -72.67M |
Balance Sheet | |||||
| Total Assets | 98.56B | 76.46B | 60.35B | 46.34B | 36.63B |
| Cash, Cash Equivalents and Short-Term Investments | 11.00B | 27.76B | 20.51B | 15.55B | 16.05B |
| Total Debt | 29.63B | 11.86B | 9.33B | 8.29B | 4.71B |
| Total Liabilities | 88.17B | 67.39B | 52.76B | 39.25B | 28.18B |
| Stockholders Equity | 10.16B | 8.90B | 7.47B | 6.99B | 2.66B |
Cash Flow | |||||
| Free Cash Flow | 3.00B | 3.25B | 7.27B | 1.82B | -196.34M |
| Operating Cash Flow | 3.11B | 3.76B | 7.54B | 2.10B | 91.64M |
| Investing Cash Flow | -14.47B | -7.73B | -4.67B | -50.81M | -7.18B |
| Financing Cash Flow | 13.87B | 683.04M | -38.68M | -1.22B | 5.43B |
Inter & Company Incorporation Class A Technical Analysis
Negative
9.33
Price Trends
8.65
Negative
8.63
Negative
8.30
Negative
Market Momentum
-0.18
Positive
39.96
Neutral
20.47
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For INTR, the sentiment is Negative. The current price of 9.33 is above the 20-day moving average (MA) of 8.17, above the 50-day MA of 8.65, and above the 200-day MA of 8.30, indicating a bearish trend. The MACD of -0.18 indicates Positive momentum. The RSI at 39.96 is Neutral, neither overbought nor oversold. The STOCH value of 20.47 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for INTR.
Inter & Company Incorporation Class A Risk Analysis
Inter & Company Incorporation Class A disclosed 73 risk factors in its most recent earnings report. Inter & Company Incorporation Class A reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Inter & Company Incorporation Class A Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $3.69B | 10.98 | 9.15% | 3.02% | 5.63% | 65.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $3.38B | 15.89 | 13.86% | 0.97% | 24.97% | 36.91% | |
65 Neutral | $4.10B | 12.34 | 9.30% | ― | 5.19% | 3454.95% | |
64 Neutral | $3.85B | 41.86 | 4.79% | 8.04% | 4.45% | 14.27% | |
57 Neutral | $4.99B | 11.31 | 9.57% | 3.03% | -6.62% | 111.94% | |
54 Neutral | $4.50B | 44.96 | 2.29% | 2.72% | -1.18% | -89.13% |
* Financial Sector Average
INTR
Inter & Company Incorporation Class A
7.65
2.20
40.37%
TCBI
Texas Capital Bancshares
92.71
18.35
24.68%
TFSL
TFS Financial
13.73
2.27
19.84%
UCB
United Community Banks
30.84
4.02
14.97%
AVAL
Grupo Aval Acciones y Valores SA Pfd
4.26
1.62
61.36%
EBC
Eastern Bankshares
19.16
3.23
20.27%
Inter & Company Incorporation Class A Corporate Events
Inter & Co Confirms March 13 Dividend Payout for Brazilian Depositary Receipt Holders
Mar 6, 2026
On March 6, 2026, Inter Co, Inc. detailed the cash dividend payment to holders of its Brazilian Depositary Receipts, following a declaration made on February 11, 2026 of a USD 0.113101823 dividend per common share, with each BDR representing one ...
Inter & Co Approves Cash Dividend From 2025 Profits for Global and BDR Investors
Feb 11, 2026
Inter Co, Inc. announced on February 11, 2026 that its board approved a cash dividend of USD 0.113101823 per common share, to be paid on March 5, 2026 to shareholders of record as of February 22, 2026. This distribution, drawn from 2025 profits, ...
Inter & Co Reports Strong 2025 Growth in Profits, Loans and Funding
Feb 11, 2026
Inter Co on February 11, 2026 filed consolidated financial statements for the years ended December 31, 2025 and 2024, detailing another year of rapid expansion in its digital banking and super‑app franchise. As of December 31, 2025, the gro...
Inter & Co Files 4Q25 Results as Growth and U.S. Bank License Mark New Phase
Feb 11, 2026
Inter Co filed its December 2025 Form 6-K on February 11, 2026, furnishing its fourth-quarter and full-year 2025 earnings release and presentation, which detail the group’s operating and financial performance. The filing underscores continu...
Inter & Co Moves to End Sponsored Level II BDRs and Shift to Unsponsored Level I Program
Jan 26, 2026
On January 26, 2026, Inter Co, Inc. announced that its board has decided to begin discontinuing its Sponsored Level II Brazilian Depositary Receipts (BDR) program and to transition to an Unsponsored Level I BDR structure, subject to approval by B...
Inter & Co Overhauls Senior Management Structure to Reflect Global Reporting Lines
Jan 26, 2026
On January 26, 2025, Inter Co, Inc. announced that its Board of Directors approved changes to the company’s officer positions to align its management structure with the executives who now report directly to the Global Chief Executive Office...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.