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INTR logoInter & Co, Inc.(INTR)Earnings, Financials & Key Ratios

INTR•NASDAQ•Banking & Credit
$6.70
$2.95B mkt cap·11.4× P/E·Price updated May 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryDigital banks and banking-as-a-service
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%
  • Tangible BV/Share19.00+15.3%
  • Debt/Equity2.85+118.2%
Technical→

INTR Key Insights

Inter & Co, Inc. (INTR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 135.1%
  • ✓Strong NIM of 6.0%
  • ✓Efficient operations: 31.5% efficiency ratio
  • ✓Well capitalized: 10.5% equity/assets
  • ✓Trading at only 1.4x book value

✗Weaknesses

  • ✗High debt to equity ratio of 2.9x
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

INTR Price & Volume

Inter & Co, Inc. (INTR) stock price & volume — 10-year historical chart

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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-
TTM45.31%

EPS CAGR

10 Years34.47%
5 Years162.2%
3 Years-
TTM44.44%

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

Full history →
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 10/12 qtrs (83%)
Q1 2026Latest
Feb 11, 2026
EPS
$0.16
Est $0.16
-2.4%
Revenue
$482M
Est $2.3B
-79.4%
Q4 2025
Nov 13, 2025
EPS
$0.14
Est $0.15
-5.7%
Revenue
$715M
Est $395M
+81.3%
Q3 2025
Aug 6, 2025
EPS
$0.13
Est $0.12
+8.3%
Revenue
$631M
Est $348M
+81.5%
Q2 2025
May 12, 2025
EPS
$0.11
Est $0.12
-8.3%
Revenue
$517M
Est $325M
+58.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 11, 2026
$0.16vs $0.16-2.4%
$482Mvs $2.3B-79.4%
Q4 2025Nov 13, 2025
$0.14vs $0.15-5.7%
$715Mvs $395M+81.3%
Q3 2025Aug 6, 2025
$0.13vs $0.12+8.3%
$631Mvs $348M+81.5%
Q2 2025May 12, 2025
$0.11vs $0.12-8.3%
$517Mvs $325M+58.8%
Based on last 12 quarters of dataView full earnings history →

INTR Peer Comparison

Inter & Co, Inc. (INTR) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NU logoNUNu Holdings Ltd.Direct Competitor54.52B14.2635.6544.79%23.96%0.12
PAGS logoPAGSPagSeguro Digital Ltd.Direct Competitor1.73B10.127.205.57%10.72%14.4%2.38
STNE logoSTNEStoneCo Ltd.Direct Competitor2.71B11.046.56-73.97%21.13%19.91%1.59
MELI logoMELIMercadoLibre, Inc.Direct Competitor94.8B1870.0147.4739.06%6.91%33.73%1.69
SOFI logoSOFISoFi Technologies, Inc.Product Competitor20.4B16.0041.0328.78%5.87%0.17
DAVE logoDAVEDave Inc.Product Competitor3.35B249.2718.4247.49%40.81%84.53%0.21
AFRM logoAFRMAffirm Holdings, Inc.Product Competitor22.44B67.36449.0738.8%11.95%11.17%2.56
V logoVVisa Inc.Supply Chain616.45B321.3331.5011.34%58.9%0.66

Compare INTR vs Peers

Inter & Co, Inc. (INTR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NU

Most directly comparable listed peer for INTR.

Scale Benchmark

vs V

Larger-name benchmark to compare INTR against a more recognizable public peer.

Peer Set

Compare Top 5

vs NU, PAGS, STNE, MELI

INTR Income Statement

Inter & Co, Inc. (INTR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income261.93M419.1M586.22M770.53M1.64B2.3B3.28B3.84B5.87B
NII Growth %1.97%60.01%39.88%31.44%112.55%40.53%42.4%17.03%53.17%
Net Interest Margin %7.32%7.43%5.85%3.89%4.47%4.97%5.43%5.02%5.96%
Interest Income538.07M636.38M841.9M942.81M2.18B4.27B6.16B7.15B11.73B
Interest Expense276.15M217.28M255.68M172.28M543.24M1.97B2.89B3.31B5.86B
Loan Loss Provision25.55M25.67M107.06M-172.28M595.58M1.08B1.54B1.8B2.56B
Non-Interest Income33.83M52.45M167.44M177.94M584.02M1.26B1.48B2.56B2.89B
Non-Interest Income %5.92%7.61%16.59%15.88%21.12%22.78%19.31%26.41%19.74%
Total Revenue
571.91M▲ 0%
688.83M▲ 20.4%
1.01B▲ 46.5%
1.12B▲ 11.0%
2.77B▲ 146.7%
5.54B▲ 100.2%
7.64B▲ 38.0%
9.71B▲ 27.1%
14.62B▲ 50.5%
Revenue Growth %-3.64%20.44%46.53%11.04%146.72%100.2%38.02%27.12%50.54%
Non-Interest Expense210.45M352M563.49M1.04B1.86B2.66B2.77B3.4B4.61B
Efficiency Ratio36.8%51.1%55.83%93%67.17%48.02%36.27%34.96%31.54%
Operating Income
59.76M▲ 0%
93.88M▲ 57.1%
83.11M▼ 11.5%
78.47M▼ 5.6%
-231.06M▼ 394.5%
-178.57M▲ 22.7%
439.84M▲ 346.3%
1.21B▲ 174.1%
1.59B▲ 32.1%
Operating Margin %10.45%13.63%8.23%7%-8.36%-3.23%5.76%12.41%10.89%
Operating Income Growth %105.66%57.1%-11.48%-5.58%-394.47%22.72%346.31%174.09%32.08%
Pretax Income
59.76M▲ 0%
93.88M▲ 57.1%
83.11M▼ 11.5%
-7.02M▼ 108.5%
-231.06M▼ 3190.1%
-178.57M▲ 22.7%
439.84M▲ 346.3%
1.21B▲ 174.1%
1.59B▲ 32.1%
Pretax Margin %10.45%13.63%8.23%-0.63%-8.36%-3.23%5.76%12.41%10.89%
Income Tax5.96M24.05M1.54M-37.71M-175.99M-164.49M87.58M232.71M222.41M
Effective Tax Rate %9.98%25.61%1.85%536.94%76.17%92.12%19.91%19.3%13.97%
Net Income
48.16M▲ 0%
69.83M▲ 45.0%
78.88M▲ 12.9%
17.91M▼ 77.3%
-72.67M▼ 505.7%
-11.09M▲ 84.7%
302.34M▲ 2826.3%
907.13M▲ 200.0%
1.29B▲ 41.8%
Net Margin %8.42%10.14%7.81%1.6%-2.63%-0.2%3.96%9.34%8.8%
Net Income Growth %89.9%45.02%12.95%-77.29%-505.7%84.74%2826.27%200.03%41.83%
Net Income (Continuing)53.8M69.83M81.57M30.69M-55.07M-14.08M352.26M972.84M1.37B
EPS (Diluted)
0.04▲ 0%
0.04▲ 10.5%
0.04▼ 9.0%
0.02▼ 37.4%
-0.28▼ 1312.8%
-0.03▲ 90.3%
0.75▲ 2817.4%
2.07▲ 176.0%
2.90▲ 40.1%
EPS Growth %-69%10.48%-9%-37.44%-1312.9%90.27%2817.39%176%40.1%
EPS (Basic)0.040.040.040.02-0.28-0.030.752.082.90
Diluted Shares Outstanding1.29B1.65B2.11B764.44M266.24M401.16M403.12M438.98M440.23M

INTR Balance Sheet

Inter & Co, Inc. (INTR) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments878.48M1.79B4.19B9.68B16.05B15.55B20.51B27.76B11B
Cash & Due from Banks564.07M1.79B3.76B4.39B4.92B5.85B6.28B6.84B11B
Short Term Investments314.41M0428.39M5.29B11.14B9.7B14.23B20.91B0
Total Investments2.84B3.31B4.69B12.57B28.89B36.02B46.49B63.31B80.49B
Investments Growth %12.23%16.63%41.64%168.28%129.75%24.66%29.09%36.16%27.13%
Long-Term Investments2.52B3.31B4.26B7.28B17.75B26.32B32.26B42.4B80.49B
Accounts Receivables3.4M0634.08M1.68B142.54M113.55M226.52M211.87M0
Goodwill & Intangibles958K26.43M79.25M224.51M430.5M1.24B1.35B1.84B2.02B
Goodwill00037.33M90.7M632.8M635.74M798.27M785.18M
Intangible Assets958K26.43M79.25M187.18M339.8M605.83M709.57M1.04B1.24B
PP&E (Net)5.54M13.83M22.46M29.9M163.47M188.02M167.55M369.94M381.21M
Other Assets8.19M88.83M603.53M335.24M968.84M1.26B3.81B672.9M2.88B
Total Current Assets1.01B2.17B4.99B11.77B16.62B16.36B21.73B29.48B11B
Total Non-Current Assets2.57B3.47B5.03B8.03B20.01B29.98B38.62B46.98B87.56B
Total Assets
3.58B▲ 0%
5.64B▲ 57.7%
10.02B▲ 77.6%
19.8B▲ 97.6%
36.63B▲ 85.0%
46.34B▲ 26.5%
60.35B▲ 30.2%
76.46B▲ 26.7%
98.56B▲ 28.9%
Asset Growth %12.1%57.66%77.61%97.57%85.02%26.53%30.23%26.69%28.91%
Return on Assets (ROA)1.42%1.51%1.01%0.12%-0.26%-0.03%0.57%1.33%1.47%
Accounts Payable56.29M0004.13B5.48B7.18B9.23B0
Total Debt623.28M598.38M1.93B1.86B4.71B8.29B9.33B11.86B29.63B
Net Debt59.21M-1.19B-1.83B-2.54B-208.42M2.44B3.05B5.02B18.63B
Long-Term Debt621.9M597.04M1.76B1.76B3.6B6.24B8.2B10.02B9.37B
Short-Term Debt1.38M1.34M167.74M98.86M973.53M1.9B1.01B1.73B20.15B
Other Liabilities957.44M1.43B252.31M499.72M629.12M1.24B2.18B3.03B58.5B
Total Current Liabilities1.61B2.67B5.8B14.15B23.68B31.55B42.18B54.12B20.15B
Total Non-Current Liabilities1.58B2.03B2.02B2.3B4.5B7.7B10.58B13.26B68.02B
Total Liabilities3.19B4.69B7.82B16.45B28.18B39.25B52.76B67.39B88.17B
Total Equity
384.07M▲ 0%
949.03M▲ 147.1%
2.2B▲ 131.8%
3.35B▲ 52.3%
8.45B▲ 152.2%
7.09B▼ 16.1%
7.6B▲ 7.2%
9.07B▲ 19.4%
10.39B▲ 14.5%
Equity Growth %8.63%147.1%131.81%52.3%152.2%-16.1%7.16%19.42%14.5%
Equity / Assets (Capital Ratio)10.73%16.82%21.96%16.93%23.07%15.3%12.59%11.87%10.54%
Return on Equity (ROE)13.06%10.48%5.01%0.65%-1.23%-0.14%4.12%10.88%13.22%
Book Value per Share0.300.581.044.3831.7417.6718.8420.6723.60
Tangible BV per Share0.300.561.004.0930.1214.5815.5116.4819.00
Common Stock311.87M848.76M2.07B3.22B13K13K13K13K12.99K
Additional Paid-in Capital311.87M848.76M2.07B000000
Retained Earnings000000000
Accumulated OCI-238.37M-748.31M-1.94B202.97M2.66B6.99B7.47B8.9B10.16B
Treasury Stock-2.28M-432K0-117.52M-42.55M0000
Preferred Stock000000000

INTR Cash Flow Statement

Inter & Co, Inc. (INTR) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations19.72M604.35M859.47M2.98B91.64M2.1B7.54B3.76B3.11B
Operating CF Growth %-95.53%2964.32%42.22%246.83%-96.93%2195.19%258.66%-50.17%-17.37%
Net Income53.8M69.83M81.57M30.69M-55.07M-14.08M352.26M972.84M1.29B
Depreciation & Amortization1.41M2.61M14.05M43.66M58.34M163.97M160.44M208.83M0
Deferred Taxes4.33M11.39M-4.32M-37.71M175.99M-164.49M87.58M232.71M0
Other Non-Cash Items56.52M56.73M103.99M209.37M-660.43M776.96M1.04B1.09B2.11B
Working Capital Changes-96.33M462.5M664.08M2.73B572.82M1.34B5.9B1.25B-294.39M
Cash from Investing-71.58M-32.02M-538.68M-5.05B-7.18B-50.81M-4.67B-7.73B-14.47B
Purchase of Investments-114.66M-775.47M-1B-5.04B-28.7B-8.56B-20.06B-18.26B-10.34B
Sale/Maturity of Investments45.76M773.05M539.97M156.83M21.91B9.33B15.73B11.13B5.61B
Net Investment Activity-68.9M-2.42M-463.2M-4.88B-6.79B774.26M-4.33B-7.14B-4.72B
Acquisitions000-24.91M-93.78M-545.98M-62.36M-81.67M0
Other Investing-996K-23.28M-62.3M-128.4M-255.13M-251.38M-256.21M-427.68M-9.19B
Cash from Financing-7.38M499.89M1.24B1.11B5.43B-1.22B-38.68M683.04M13.87B
Dividends Paid000-37.87M-3.12M-38.06M0-68.81M-238.91M
Share Repurchases0-53K0-153.11M-29.32M0-16.41M-18.95M-26.58M
Stock Issued62K522.82M1.29B1.27B000823.04M0
Net Stock Activity62K522.77M1.29B1.11B-29.32M0-16.41M804.08M-26.58M
Debt Issuance (Net)000000001000K
Other Financing-7.44M-22.88M-43.57M31.63M5.46B-1.18B-22.27M-52.23M11.84B
Net Change in Cash
-59.88M▲ 0%
1.07B▲ 1893.4%
1.57B▲ 45.9%
-960.1M▼ 161.3%
-1.65B▼ 72.3%
831.2M▲ 150.2%
2.93B▲ 252.2%
-3.15B▼ 207.6%
0▲ 100.0%
Exchange Rate Effect-639K1.59M397K1.01M-30K-217K88.71M134.45M-2.51B
Cash at Beginning532.14M472.26M1.55B3.11B2.15B500.45M1.33B4.26B0
Cash at End472.26M1.55B3.11B2.15B500.45M1.33B4.26B1.11B0
Interest Paid000000000
Income Taxes Paid000000000
Free Cash Flow
17.05M▲ 0%
574.74M▲ 3271.9%
783.26M▲ 36.3%
2.83B▲ 261.1%
-196.34M▼ 106.9%
1.82B▲ 1029.2%
7.27B▲ 298.5%
3.25B▼ 55.3%
3B▼ 7.7%
FCF Growth %-96.13%3271.92%36.28%261.06%-106.94%1029.17%298.51%-55.3%-7.72%

INTR Banking Ratios

Inter & Co, Inc. (INTR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)7.34%13.06%10.48%5.01%0.65%-1.23%-0.14%4.12%10.88%13.22%
Return on Assets (ROA)0.89%1.42%1.51%1.01%0.12%-0.26%-0.03%0.57%1.33%1.47%
Net Interest Margin8.05%7.32%7.43%5.85%3.89%4.47%4.97%5.43%5.02%5.96%
Efficiency Ratio26.53%36.8%51.1%55.83%93%67.17%48.02%36.27%34.96%31.54%
Equity / Assets11.08%10.73%16.82%21.96%16.93%23.07%15.3%12.59%11.87%10.54%
Book Value / Share1.650.30.581.044.3831.7417.6718.8420.6723.6
NII Growth5.49%1.97%60.01%39.88%31.44%112.55%40.53%42.4%17.03%53.17%
Dividend Payout29.03%---211.42%---7.59%18.57%

INTR Frequently Asked Questions

Inter & Co, Inc. (INTR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Inter & Co, Inc. (INTR) grew revenue by 50.5% over the past year. This is strong growth.

Yes, Inter & Co, Inc. (INTR) is profitable, generating $1.32B in net income for fiscal year 2025 (8.8% net margin).

Dividend & Returns

Yes, Inter & Co, Inc. (INTR) pays a dividend with a yield of 1.64%. This makes it attractive for income-focused investors.

Inter & Co, Inc. (INTR) has a return on equity (ROE) of 13.2%. This is reasonable for most industries.

Industry Metrics

Inter & Co, Inc. (INTR) has a net interest margin (NIM) of 6.0%. This indicates healthy earnings from lending activities.

Inter & Co, Inc. (INTR) has an efficiency ratio of 31.5%. This is excellent, indicating strong cost control.

Explore More INTR

Inter & Co, Inc. (INTR) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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