INTR
Inter & Co, Inc.
Banks - Regional
Market Cap$2.95B
5Y Perf.+219.0%
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Stock Comparison
INTR vs PAGS
Revenue, margins, valuation, and 5-year total return — side by side.
PAGS
PagSeguro Digital Ltd.
Software - Infrastructure
Market Cap$1.73B
5Y Perf.-1.2%
INTR vs PAGS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | INTR | PAGS |
|---|---|---|
| Industry | Banks - Regional | Software - Infrastructure |
| Market Cap | $2.95B | $1.73B |
| Revenue (TTM) | $14.62B | $19.82B |
| Net Income (TTM) | $1.32B | $2.13B |
| Gross Margin | 42.4% | 50.8% |
| Operating Margin | 10.9% | 37.5% |
| Forward P/E | 1.6x | 1.1x |
| Total Debt | $29.63B | $34.86B |
| Cash & Equiv. | $11.00B | $1.86B |
INTR vs PAGS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
INTR
PAGS
| Stock | Jun 22 | May 26 | Return |
|---|---|---|---|
| Inter & Co, Inc. (INTR) | 100 | 319.0 | +219.0% |
| PagSeguro Digital L… (PAGS) | 100 | 98.8 | -1.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: INTR vs PAGS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: INTR leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. PagSeguro Digital Ltd. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
INTR
Inter & Co, Inc.
The Banking Pick
INTR carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 3 yrs, beta 1.39, yield 1.6%
- Rev growth 50.5%, EPS growth 40.1%
- 98.9% 10Y total return vs PAGS's -62.7%
Best for: income & stability and growth exposure
PAGS
PagSeguro Digital Ltd.
The Defensive Pick
PAGS is the clearest fit if your priority is defensive.
- Beta 1.70, yield 4.1%, current ratio 1.36x
- 10.7% margin vs INTR's 8.8%
- +13.9% vs INTR's +0.9%
Best for: defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | INTR | 50.5% NII/revenue growth vs PAGS's 5.6% |
| Value | INTR | PEG 0.01 vs 0.09 |
| Quality / Margins | PAGS | 10.7% margin vs INTR's 8.8% |
| Stability / Safety | INTR | Beta 1.39 vs PAGS's 1.70 |
| Dividends | INTR | 1.6% yield, 3-year raise streak, vs PAGS's 4.1% |
| Momentum (1Y) | PAGS | +13.9% vs INTR's +0.9% |
| Efficiency (ROA) | PAGS | 3.0% ROA vs INTR's 1.5%, ROIC 10.7% vs 3.9% |
INTR vs PAGS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPAGSLAGGINGINTR
INTRInter & Co, Inc.
1leads
PAGSPagSeguro Digital Ltd.
3leads
6 Total Categories
CATEGORYLEADERvs INTRMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PAGS3/5
Valuation MetricsMultiples, price ratios, and targets
PAGS5/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PAGS7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
INTR4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
PAGS leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PAGS and INTR operate at a comparable scale, with $19.8B and $14.6B in trailing revenue. Profitability is closely matched — net margins range from 10.7% (PAGS) to 8.8% (INTR).
| Metric | INTRInter & Co, Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| RevenueTrailing 12 months | $14.6B | $19.8B |
| EBITDAEarnings before interest/tax | $1.9B | $8.8B |
| Net IncomeAfter-tax profit | $1.3B | $2.1B |
| Free Cash FlowCash after capex | $3.9B | $708M |
| Gross MarginGross profit ÷ Revenue | +42.4% | +50.8% |
| Operating MarginEBIT ÷ Revenue | +10.9% | +37.5% |
| Net MarginNet income ÷ Revenue | +8.8% | +10.7% |
| FCF MarginFCF ÷ Revenue | +20.5% | +3.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +6.0% |
| EPS Growth (YoY)Latest quarter vs prior year | +39.7% | -8.4% |
PAGS leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
PAGS leads this category, winning 5 of 7 comparable metrics.
Valuation Metrics
At 7.2x trailing earnings, PAGS trades at a 37% valuation discount to INTR's 11.4x P/E. Adjusting for growth (PEG ratio), INTR offers better value at 0.07x vs PAGS's 0.59x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | INTRInter & Co, Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| Market CapShares × price | $2.9B | $1.7B |
| Enterprise ValueMkt cap + debt − cash | $6.7B | $8.4B |
| Trailing P/EPrice ÷ TTM EPS | 11.44x | 7.20x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.60x | 1.14x |
| PEG RatioP/E ÷ EPS growth rate | 0.07x | 0.59x |
| EV / EBITDAEnterprise value multiple | 17.25x | 5.72x |
| Price / SalesMarket cap ÷ Revenue | 1.00x | 0.44x |
| Price / BookPrice ÷ Book value/share | 1.41x | 1.02x |
| Price / FCFMarket cap ÷ FCF | 4.87x | 5.50x |
PAGS leads this category, winning 5 of 7 comparable metrics.
Profitability & Efficiency
PAGS leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
PAGS delivers a 14.4% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $14 for INTR. PAGS carries lower financial leverage with a 2.38x debt-to-equity ratio, signaling a more conservative balance sheet compared to INTR's 2.85x. On the Piotroski fundamental quality scale (0–9), PAGS scores 7/9 vs INTR's 6/9, reflecting strong financial health.
| Metric | INTRInter & Co, Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| ROE (TTM)Return on equity | +13.7% | +14.4% |
| ROA (TTM)Return on assets | +1.5% | +3.0% |
| ROICReturn on invested capital | +3.9% | +10.7% |
| ROCEReturn on capital employed | +3.2% | +25.6% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 2.85x | 2.38x |
| Net DebtTotal debt minus cash | $18.6B | $33.0B |
| Cash & Equiv.Liquid assets | $11.0B | $1.9B |
| Total DebtShort + long-term debt | $29.6B | $34.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.27x | 1.50x |
PAGS leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
INTR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in INTR five years ago would be worth $19,894 today (with dividends reinvested), compared to $2,510 for PAGS. Over the past 12 months, PAGS leads with a +13.9% total return vs INTR's +0.9%. The 3-year compound annual growth rate (CAGR) favors INTR at 54.4% vs PAGS's -1.3% — a key indicator of consistent wealth creation.
| Metric | INTRInter & Co, Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| YTD ReturnYear-to-date | -19.4% | +8.6% |
| 1-Year ReturnPast 12 months | +0.9% | +13.9% |
| 3-Year ReturnCumulative with dividends | +268.3% | -3.9% |
| 5-Year ReturnCumulative with dividends | +98.9% | -74.9% |
| 10-Year ReturnCumulative with dividends | +98.9% | -62.7% |
| CAGR (3Y)Annualised 3-year return | +54.4% | -1.3% |
INTR leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — INTR and PAGS each lead in 1 of 2 comparable metrics.
Risk & Volatility
INTR is the less volatile stock with a 1.39 beta — it tends to amplify market swings less than PAGS's 1.70 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PAGS currently trades 82.1% from its 52-week high vs INTR's 64.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | INTRInter & Co, Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.39x | 1.70x |
| 52-Week HighHighest price in past year | $10.36 | $12.32 |
| 52-Week LowLowest price in past year | $6.40 | $7.74 |
| % of 52W HighCurrent price vs 52-week peak | +64.7% | +82.1% |
| RSI (14)Momentum oscillator 0–100 | 47.9 | 51.3 |
| Avg Volume (50D)Average daily shares traded | 3.2M | 3.7M |
Evenly matched — INTR and PAGS each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — INTR and PAGS each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates INTR as "Buy" and PAGS as "Buy". Consensus price targets imply 79.1% upside for INTR (target: $12) vs 20.4% for PAGS (target: $12). For income investors, PAGS offers the higher dividend yield at 4.05% vs INTR's 1.64%.
| Metric | INTRInter & Co, Inc. | PAGSPagSeguro Digital… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $12.00 | $12.18 |
| # AnalystsCovering analysts | 6 | 24 |
| Dividend YieldAnnual dividend ÷ price | +1.6% | +4.1% |
| Dividend StreakConsecutive years of raises | 3 | 2 |
| Dividend / ShareAnnual DPS | $0.54 | $2.03 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.2% | 0.0% |
Evenly matched — INTR and PAGS each lead in 1 of 2 comparable metrics.
Key Takeaway
PAGS leads in 3 of 6 categories (Income & Cash Flow, Valuation Metrics). INTR leads in 1 (Total Returns). 2 tied.
Best OverallPagSeguro Digital Ltd. (PAGS)Leads 3 of 6 categories
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INTR vs PAGS: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is INTR or PAGS a better buy right now?
For growth investors, Inter & Co, Inc.
(INTR) is the stronger pick with 50. 5% revenue growth year-over-year, versus 5. 6% for PagSeguro Digital Ltd. (PAGS). PagSeguro Digital Ltd. (PAGS) offers the better valuation at 7. 2x trailing P/E (1. 1x forward), making it the more compelling value choice. Analysts rate Inter & Co, Inc. (INTR) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — INTR or PAGS?
On trailing P/E, PagSeguro Digital Ltd.
(PAGS) is the cheapest at 7. 2x versus Inter & Co, Inc. at 11. 4x. On forward P/E, PagSeguro Digital Ltd. is actually cheaper at 1. 1x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Inter & Co, Inc. wins at 0. 01x versus PagSeguro Digital Ltd. 's 0. 09x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — INTR or PAGS?
Over the past 5 years, Inter & Co, Inc.
(INTR) delivered a total return of +98. 9%, compared to -74. 9% for PagSeguro Digital Ltd. (PAGS). Over 10 years, the gap is even starker: INTR returned +98. 9% versus PAGS's -62. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — INTR or PAGS?
By beta (market sensitivity over 5 years), Inter & Co, Inc.
(INTR) is the lower-risk stock at 1. 39β versus PagSeguro Digital Ltd. 's 1. 70β — meaning PAGS is approximately 22% more volatile than INTR relative to the S&P 500. On balance sheet safety, PagSeguro Digital Ltd. (PAGS) carries a lower debt/equity ratio of 2% versus 3% for Inter & Co, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — INTR or PAGS?
By revenue growth (latest reported year), Inter & Co, Inc.
(INTR) is pulling ahead at 50. 5% versus 5. 6% for PagSeguro Digital Ltd. (PAGS). On earnings-per-share growth, the picture is similar: Inter & Co, Inc. grew EPS 40. 1% year-over-year, compared to 5. 1% for PagSeguro Digital Ltd.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — INTR or PAGS?
PagSeguro Digital Ltd.
(PAGS) is the more profitable company, earning 10. 7% net margin versus 8. 8% for Inter & Co, Inc. — meaning it keeps 10. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PAGS leads at 37. 5% versus 10. 9% for INTR. At the gross margin level — before operating expenses — PAGS leads at 50. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is INTR or PAGS more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Inter & Co, Inc. (INTR) is the more undervalued stock at a PEG of 0. 01x versus PagSeguro Digital Ltd. 's 0. 09x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, PagSeguro Digital Ltd. (PAGS) trades at 1. 1x forward P/E versus 1. 6x for Inter & Co, Inc. — 0. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for INTR: 79. 1% to $12. 00.
08Which pays a better dividend — INTR or PAGS?
All stocks in this comparison pay dividends.
PagSeguro Digital Ltd. (PAGS) offers the highest yield at 4. 1%, versus 1. 6% for Inter & Co, Inc. (INTR).
09Is INTR or PAGS better for a retirement portfolio?
For long-horizon retirement investors, Inter & Co, Inc.
(INTR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (1. 6% yield). PagSeguro Digital Ltd. (PAGS) carries a higher beta of 1. 70 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (INTR: +98. 9%, PAGS: -62. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between INTR and PAGS?
These companies operate in different sectors (INTR (Financial Services) and PAGS (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: INTR is a small-cap high-growth stock; PAGS is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(INTR: 50.5% · PAGS: 6.0%)Net Margin>
%
(INTR: 8.8% · PAGS: 10.7%)P/E Ratio<
x
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