Inter & Co, Inc.(INTR)Earnings, Financials & Key Ratios
INTR•NASDAQ•Banking & Credit
$5.59
9.9× P/E·Price updated Jul 7, 2026
AboutInter & 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 accounts, cards, deposits, loans and advances, and other services. Its Securities segment provides services relating to the purchase, sale, and custody of securities; and portfolio management, as well as the establishment, organization, and management of investment funds. The company's Insurance Brokerage segment offers life, property, auto, financial, lost or stolen credit card, dental, warranties, travel, and credit protection insurance products. Its Marketplace segment operates a digital platform that offer goods and/or services to its customers. The company's Asset Management segment is involved in the operations related to the management of fund portfolios and other assets. Its Services segment provides services in the collection and management of personal information; development and licensing of customized and non-customized computer programs; and technical support, maintenance, and other information technology services. The company was founded in 1994 and is based in Belo Horizonte, Brazil.Show more
- Net Interest Income$5.87B+53.2%
- Total Revenue$14.62B+50.5%
- Net Income$1.29B+41.8%
- Return on Equity13.22%+21.5%
- Net Interest Margin5.96%+18.8%
- Efficiency Ratio31.54%-9.8%
- ROA1.47%+10.9%
- Equity / Assets10.54%-11.2%
- Book Value per Share23.60+14.2%
INTR Price & Volume
Inter & Co, Inc. (INTR) stock price & volume — 10-year historical chart
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Rapid Asset Scaling Amidst Persistent Margin Compression
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Credit Provisioning Volatility
Key Thesis Takeaways
- Inter & Co is executing an aggressive growth strategy, evidenced by a 177% year-over-year surge in net interest income to $1.7 billion as of 2026Q1.
- While the firm maintains operational discipline with an efficiency ratio of 28.9%, investors should monitor the potential for credit deterioration as loan loss provisions have climbed to $813.6 million.
- The bank's reliance on a $80.3 billion securities portfolio for liquidity management suggests a cautious approach to interest rate sensitivity in the volatile Brazilian market.
Verdict Logic
while the forward P/E of 1.33 suggests significant undervaluation, the persistent 1.8% net interest margin and rising $813.6 million in loan loss provisions warrant a cautious stance on credit quality.
INTR Growth Metrics
Inter & Co, Inc. (INTR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years40.54%
5 Years67.14%
3 Years38.23%
TTM-
Profit CAGR
10 Years44.29%
5 Years135.11%
3 Years-
TTM40.36%
EPS CAGR
10 Years34.47%
5 Years162.2%
3 Years-
TTM40.61%
Return on Capital
10 Years2.09%
5 Years1.6%
3 Years3.93%
Last Year3.16%
INTR Recent Earnings
Inter & Co, Inc. (INTR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.17+0.0%
$0.17
Rev
$496M+0.2%
$495M
Q1 2026
Feb 11, 2026Metric
Actual
Est
EPS
$0.16-2.4%
$0.16
Rev
$483M-79.4%
$2.3B
Q4 2025
Nov 13, 2025Metric
Actual
Est
EPS
$0.14-5.7%
$0.15
Rev
$715M+81.3%
$395M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$0.13+8.3%
$0.12
Rev
$631M+81.5%
$348M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.17vs $0.17+0.0% | $496Mvs $495M+0.2% |
| Q1 2026 | Feb 11, 2026 | $0.16vs $0.16-2.4% | $483Mvs $2.3B-79.4% |
| Q4 2025 | Nov 13, 2025 | $0.14vs $0.15-5.7% | $715Mvs $395M+81.3% |
| Q3 2025 | Aug 6, 2025 | $0.13vs $0.12+8.3% | $631Mvs $348M+81.5% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Inter & Co, Inc. (INTR)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $5.59 | $2.47B | 9.90 | 50.54% | 8.8% | 13.22% | 1.89% | |
| $13.61 | $65.91B | 23.47 | 42.99% | 18.15% | 28.91% | — | |
| $8.90 | $2.57B | 6.57 | 5.57% | 10.79% | 14.62% | — | |
| $10.99 | $2.67B | 6.78 | 11.11% | 30.94% | 29.03% | — | |
| $1813.61 | $91.94B | 46.04 | 39.06% | 6.04% | 29.58% | — | |
| $17.75 | $22.77B | 45.51 | 28.78% | 11.22% | 6.25% | — |
Compare INTR vs Peers
Inter & Co, Inc. (INTR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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INTR Frequently Asked Questions
Inter & Co, Inc. (INTR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Inter & Co, Inc. growing?
Inter & Co, Inc. (INTR) grew revenue by 50.5% over the past year. This is strong growth.
Is INTR profitable?
Yes, Inter & Co, Inc. (INTR) is profitable, generating $1.42B in net income for fiscal year 2025 (8.8% net margin).
Dividend & Returns
Does INTR pay dividends?
Yes, Inter & Co, Inc. (INTR) pays a dividend with a yield of 1.89%. This makes it attractive for income-focused investors.
What is INTR's return on equity?
Inter & Co, Inc. (INTR) has a return on equity (ROE) of 13.2%. This is reasonable for most industries.
Industry Metrics
What is Inter & Co, Inc.'s net interest margin?
Inter & Co, Inc. (INTR) has a net interest margin (NIM) of 6.0%. This indicates healthy earnings from lending activities.
What is Inter & Co, Inc.'s efficiency ratio?
Inter & Co, Inc. (INTR) has an efficiency ratio of 31.5%. This is excellent, indicating strong cost control.