INTR vs NU

For growth investors, Nu Holdings Ltd.

(NU) is the stronger pick with 44. 8% revenue growth year-over-year, versus 27. 1% for Inter & Co, Inc. (INTR). Inter & Co, Inc. (INTR) offers the better valuation at 18. 7x trailing P/E (1. 9x 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.

On trailing P/E, Inter & Co, Inc.

(INTR) is the cheapest at 18. 7x versus Nu Holdings Ltd. at 36. 2x. On forward P/E, Inter & Co, Inc. is actually cheaper at 1. 9x.

Over the past 5 years, Inter & Co, Inc.

(INTR) delivered a total return of +131. 7%, compared to +40. 2% for Nu Holdings Ltd. (NU). Over 10 years, the gap is even starker: INTR returned +131. 7% versus NU's +40. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Nu Holdings Ltd.

(NU) is the lower-risk stock at 1. 37β versus Inter & Co, Inc. 's 1. 39β — meaning INTR is approximately 2% more volatile than NU relative to the S&P 500. On balance sheet safety, Nu Holdings Ltd. (NU) carries a lower debt/equity ratio of 12% versus 131% for Inter & Co, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Nu Holdings Ltd.

(NU) is pulling ahead at 44. 8% versus 27. 1% for Inter & Co, Inc. (INTR). On earnings-per-share growth, the picture is similar: Inter & Co, Inc. grew EPS 176. 0% year-over-year, compared to 90. 5% for Nu Holdings 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.

Nu Holdings Ltd.

(NU) is the more profitable company, earning 17. 8% net margin versus 9. 3% for Inter & Co, Inc. — meaning it keeps 17. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NU leads at 25. 2% versus 12. 4% for INTR. At the gross margin level — before operating expenses — INTR leads at 47. 4%, 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.

On forward earnings alone, Inter & Co, Inc.

(INTR) trades at 1. 9x forward P/E versus 16. 7x for Nu Holdings Ltd. — 14. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for INTR: 53. 1% to $12. 00.

In this comparison, INTR (0.

4% yield) pays a dividend. NU does not pay a meaningful dividend and should not be held primarily for income.

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 (+131. 7% 10Y return). Both have compounded well over 10 years (INTR: +131. 7%, NU: +40. 2%), 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.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

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.