Company Overview
Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collections; foreign exchange and financial services; and global account digital solution. It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets. In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products. Further, it engages in the sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.
Why Investors Should Care
Generates a return on equity of 16.2%, reflecting efficient use of shareholder capital.
Revenue has grown at a 33.1% CAGR over the past five years.
Trades at a P/E of 8.5, below the sector median of 12.9.
Maintains a net profit margin of 22.9%.
Offers a dividend yield of 2.07%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $8.40B (+31.3% YoY); net profit $1.31B.
- Trailing 12 Months Year-on-year growth — revenue +23.8%, earnings +32.4%.
- 5-Year Trend Long-term compounding — revenue CAGR 33.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 33.10% |
| 1 Year: | 23.80% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 32.40% |
Stock Price Performance
| 1 Year: | -30.43% |
| 6 Months: | -31.71% |
| 3 Months: | +0.90% |
| 1 Month: | +6.64% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)53.13 · Neutral
P/E of 8.52 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 22.9%.
- Compounding revenue at 33.1% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 44.3% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | INTR Inter & Co, Inc. FINANCIAL | 5.62 | 8.52 | $1.83B | 2.07% | - | 16.20% | 33.10% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 1.84B | 2.00B | 2.16B | 2.40B | 2.44B |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 1.18B | 1.42B | 1.65B | 1.72B | 1.75B |
| Pretax Income | 357.55M | 383.53M | 417.93M | 465.19M | 477.12M |
| Tax Provision | 50.76M | 51.36M | 61.92M | 62.83M | 59.57M |
| Net Income | 286.59M | 315.13M | 336.35M | 374.39M | 394.79M |
| Diluted EPS | 0.65 | 0.71 | 0.75 | - | 0.89 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 3.56B | 4.75B | 6.40B | 8.40B |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 2.10B | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 1.97B | 2.89B | 3.31B | 5.98B |
| Pretax Income | - | -178.57M | 439.84M | 1.21B | 1.62B |
| Tax Provision | - | -164.49M | 87.58M | 232.71M | 226.87M |
| Net Income | - | -11.09M | 302.34M | 907.13M | 1.31B |
| Diluted EPS | - | -0.03 | 0.75 | 2.07 | 2.96 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 46.34B | 60.35B | 76.43B | 98.61B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 5.85B | 6.28B | 6.84B | 11.27B |
| Inventory | - | - | - | - | - |
| Receivables | - | 113.55M | 226.52M | 211.87M | 287.90M |
| Total Liabilities | - | 39.25B | 52.76B | 67.36B | 88.22B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 6.24B | 8.20B | 10.02B | 14.94B |
| Total Debt | - | 6.39B | 8.32B | 10.13B | 15.06B |
| Total Equity | - | 6.99B | 7.47B | 8.90B | 10.17B |
| Shares Outstanding | - | 401.80M | 402.19M | 439.70M | 441.32M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 2.10B | 7.54B | 3.76B | 7.73B |
| Investing Cash Flow | - | -50.81M | -4.67B | -7.73B | -4.90B |
| Financing Cash Flow | - | -1.22B | -38.68M | 683.04M | -269.39M |
| Capital Expenditure | - | -279.10M | -274.09M | -509.66M | -570.06M |
| Free Cash Flow | - | 1.82B | 7.27B | 3.25B | 7.16B |
| Net Change in Cash | - | 831.42M | 2.84B | -3.29B | 2.56B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | -0.3% | 6.4% | 14.2% | 15.6% |
| ROE % | - | -0.2% | 4.0% | 10.2% | 12.9% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Softbank Group Corporation | 18.66% | 60.51M | $323.71M |
| 2 | Marshall Wace LLP | 4.27% | 13.85M | $74.08M |
| 3 | Squadra Investments - Gestao De Recursos Ltda | 3.11% | 10.07M | $53.87M |
| 4 | Blackrock Inc. | 2.38% | 7.73M | $41.33M |
| 5 | Atmos Capital Gestao de Recursos Ltda | 2.31% | 7.50M | $40.15M |
| 6 | Wellington Management Group, LLP | 2.00% | 6.47M | $34.63M |
| 7 | Samlyn Capital, LLC | 1.88% | 6.11M | $32.69M |
| 8 | Shaw D.E. & Co., Inc. | 1.54% | 4.99M | $26.72M |
| 9 | Bank of America Corporation | 1.30% | 4.21M | $22.51M |
| 10 | Millennium Management Llc | 1.18% | 3.84M | $20.56M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for INTR
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INTR — Frequently Asked Questions
What is the current share price of Inter & Co, Inc. (INTR)?
As of 2026-09-19 21:16 PDT, Inter & Co, Inc. (INTR) trades at $5.62 on NasdaqGS. Its 52-week range is $5.05 to $10.08.
What is the market capitalisation of INTR?
Inter & Co, Inc. (INTR) has a market capitalisation of $1.83B on NasdaqGS.
What is the P/E ratio of INTR?
INTR trades at a trailing price-to-earnings (P/E) ratio of 8.52. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.15.
Does INTR pay a dividend?
Inter & Co, Inc. (INTR) currently offers a dividend yield of 2.07%.
What is the return on equity (ROE) of INTR?
INTR has a return on equity (ROE) of 16.20%.
Is INTR a good stock to buy?
This page provides a data-driven analysis of Inter & Co, Inc. (INTR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.