Inter & Company Incorporation Class A (INTR) AI Stock Analysis

• Market Cap: $3.90B
• Dividend Yield: 0.88%
• Average Volume (3M): 2.65M
• Price to Earnings (P/E): 18.3
• Beta (1Y): 0.63
• Revenue Growth: 24.97%
• EPS Growth: 36.91%
• Country: US
• Employees: 4,030
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.14
• Shares Outstanding: 322,639,600
• 10 Day Avg. Volume: 2,578,599
• 30 Day Avg. Volume: 2,648,881
• PEG Ratio: 0.07
• Price to Book (P/B): 1.29
• Price to Sales (P/S): 1.18
• P/FCF Ratio: 3.53
• Enterprise Value/Market Cap: 1.94
• Enterprise Value/Revenue: 0.70
• Enterprise Value/Gross Profit: 1.35
• Enterprise Value/Ebitda: 5.53
• 1Y Price Target: $10.50
• Price Target Upside: 12.54% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 0.58
• Revenue Forecast (FY): $1.56B

• Rating: 72 Outperform
• Price Target: $9.00 ▼(-3.54% Downside)

Inter & Company has a strong financial foundation and positive earnings call results, driving the overall score. However, bearish technical indicators and moderate valuation metrics temper the outlook.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust market positioning and operational expansion, supporting long-term financial health and competitiveness.

Client Base Expansion

Expanding client base enhances market reach and customer engagement, driving sustainable growth and reinforcing competitive advantage.

Loan Portfolio Growth

Significant loan portfolio growth strengthens financial performance and market share, supporting long-term profitability and resilience.

Negative Factors

Cash Flow Management Challenges

Cash flow volatility can hinder investment capacity and operational flexibility, posing risks to sustained growth and financial stability.

Increased Cost of Risk

Higher cost of risk impacts profitability and could strain financial resources, necessitating careful risk management to maintain margins.

Economic Headwinds

Economic headwinds, such as high interest rates, can affect growth dynamics and financial performance, requiring strategic adjustments.

Inter & Company Incorporation Class A Business Overview & Revenue Model

Company Description

Inter & Company Incorporation Class A (INTR) is a diversified holding company that operates across various sectors including technology, healthcare, and consumer goods. The company focuses on innovation and sustainable practices to deliver high-quality products and services to its global customer base. With a strong emphasis on research and development, Inter & Company aims to create cutting-edge solutions that enhance the quality of life and drive economic growth.

How the Company Makes Money

Inter & Company generates revenue through multiple streams, primarily by selling proprietary products in its technology and consumer goods sectors. The company leverages its strong branding to command premium pricing on its offerings. Additionally, Inter & Company has established strategic partnerships with key players in the healthcare sector, allowing it to expand its product offerings and reach new markets. Licensing agreements and royalties from innovations further contribute to its income. The combination of these revenue streams, along with a focus on operational efficiency, positions Inter & Company for sustained financial growth.

Inter & Company Incorporation Class A Financial Statement Overview

Summary

Inter & Company demonstrates strong financial performance with impressive revenue and profit growth, supported by solid margins and effective leverage management. However, cash flow management presents challenges that need addressing.

Income Statement

Inter & Company has demonstrated strong revenue growth over the years, with a notable increase in total revenue from $753.7 million in 2019 to $9.71 billion in 2024. The gross profit margin has remained robust, indicating efficient cost management. Net profit margin has improved significantly, reflecting enhanced profitability. The EBIT and EBITDA margins have also shown positive trends, contributing to a strong income statement performance.

Balance Sheet

The company's balance sheet reflects a solid equity position with a debt-to-equity ratio improving over time, indicating prudent financial leverage. The return on equity has increased, showcasing effective use of shareholder funds. However, the equity ratio suggests a moderate reliance on liabilities, which is typical for the banking industry but warrants monitoring.

Cash Flow

Cash flow analysis reveals a mixed picture. While operating cash flow has been volatile, the company has managed to maintain positive free cash flow in most years. The free cash flow to net income ratio indicates efficient cash generation relative to profits, though recent negative free cash flow highlights potential cash management challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.75B	9.71B	7.64B	5.54B	2.77B	1.12B
Gross Profit	5.60B	4.60B	3.21B	2.48B	1.63B	1.12B
EBITDA	1.37B	1.41B	600.28M	-14.60M	-172.72M	0.00
Net Income	1.21B	907.13M	302.34M	-11.09M	-72.67M	17.91M
Balance Sheet
Total Assets	91.81B	76.46B	60.35B	46.34B	36.63B	19.80B
Cash, Cash Equivalents and Short-Term Investments	0.00	27.76B	20.51B	15.55B	16.05B	9.68B
Total Debt	27.17B	11.86B	9.33B	8.29B	4.71B	1.86B
Total Liabilities	82.00B	67.39B	52.76B	39.25B	28.18B	16.45B
Stockholders Equity	9.68B	8.90B	7.47B	6.99B	2.66B	3.30B
Cash Flow
Free Cash Flow	4.89B	3.25B	7.27B	1.82B	-196.34M	2.83B
Operating Cash Flow	5.35B	3.76B	7.54B	2.10B	91.64M	2.98B
Investing Cash Flow	-6.54B	-7.73B	-4.67B	-50.81M	-7.18B	-5.05B
Financing Cash Flow	4.49B	683.04M	-38.68M	-1.22B	5.43B	1.11B

Inter & Company Incorporation Class A Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.33
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For INTR, the sentiment is Positive. The current price of 9.33 is above the 20-day moving average (MA) of 9.11, above the 50-day MA of 9.07, and above the 200-day MA of 7.35, indicating a neutral trend. The MACD of -0.13 indicates Positive momentum. The RSI at 52.02 is Neutral, neither overbought nor oversold. The STOCH value of 57.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for INTR.

Inter & Company Incorporation Class A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UCB	77 Outperform	$3.76B	12.24	9.01%	3.21%	5.63%	65.11%
TCBI	74 Outperform	$4.12B	14.77	8.60%	―	5.19%	3454.95%
INTR	72 Outperform	$3.90B	18.27	12.50%	0.88%	24.97%	36.91%
TFSL	71 Outperform	$4.00B	44.55	4.76%	8.28%	4.45%	14.27%
EBC	70 Outperform	$4.54B	76.93	1.32%	2.83%	-1.18%	-89.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AVAL	63 Neutral	$4.81B	11.52	9.69%	3.00%	-6.62%	111.94%

Inter & Company Incorporation Class A Corporate Events

Inter & Co Reports Strong Q3 2025 Financial Growth

Inter & Co, Inc. reported strong financial results for the third quarter of 2025, showcasing significant growth and strategic advancements. The company achieved a 30% year-over-year increase in its credit portfolio, outperforming the Brazilian market, and recorded a net income of R$336 million, reflecting a 39% growth year-over-year. The firm added 1.2 million new active clients, bringing its total client base to 24 million, and maintained a stable non-performing loan ratio. These results underscore Inter’s robust digital execution and strategic positioning, highlighting its ability to capture market share and drive sustainable profitability.

Inter & Co Reports Strong Financial Growth in Q3 2025

Inter & Co, Inc. reported significant financial growth as of September 30, 2025, with a net income of R$ 938.0 million, up 48.4% from the previous year. The company also saw a 31.8% increase in revenues, reaching R$ 6.0 billion, and expanded its customer base to over 41.3 million, with a loan portfolio growing by 23.1% to R$ 43.8 billion. These results underscore Inter & Co’s robust market positioning and operational expansion, reflecting a strong performance in both financial and customer engagement metrics.

Inter & Co’s Banco Inter Receives Positive Outlook from Moody’s

On October 3, 2025, Inter & Co, Inc. announced that Moody’s Local BR reaffirmed Banco Inter S.A.’s ‘AA+.br’ rating and upgraded its outlook to ‘Positive’. This decision was based on the bank’s continuous improvement in profitability, stable credit portfolio, appropriate capital levels, diversified revenue growth, and expanding customer base. The positive outlook reflects the bank’s profitability nearing that of AAA.br-rated banks, driven by increased client engagement through its Super App.

Inter & Co Reports Record Growth and Innovation in 2024 Annual Report

On September 3, 2025, Inter & Co, Inc. released its 2024 Annual Report, highlighting significant achievements, including expanding its client base to over 36 million and launching new products like Forum, Digital Consignment, and Consumer Finance 2.0. The company emphasized its strategic focus on innovation, technology, and creating a robust ecosystem that enhances client engagement and satisfaction. This approach has led to record results and reinforced its position as a global technology company, with its securities listed on Nasdaq and BDRs on B3 in Brazil.