Inter & Co, Inc. (INTR) 10-Year Financial Performance & Capital Metrics

INTR • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingLatin American Retail Banking

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 $3.84B +17.0%
Total Revenue $9.71B +27.1%
Net Income $907M +200.0%
Return on Equity 10.88% +164.3%
Net Interest Margin 5.02% -7.6%
Efficiency Ratio 34.96% -3.6%
ROA 1.33% +134.0%
Equity / Assets 11.87% -5.7%
Book Value per Share 20.67 +9.7%
Tangible BV/Share 16.48 +6.3%
Debt/Equity 1.31 +6.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 63.0%
✓Strong Piotroski F-Score: 7/9
✓Strong NIM of 5.0%
✓Efficient operations: 35.0% efficiency ratio
✓Well capitalized: 11.9% equity/assets
✓Trading at only 0.4x book value

✗Weaknesses

✗Weak 3Y average ROE of 5.0%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y57.06%

5Y57.27%

3Y52.01%

TTM-

Profit (Net Income) CAGR

10Y44.95%

5Y62.98%

3Y-

TTM54.98%

EPS CAGR

10Y35.39%

5Y123.16%

3Y-

TTM51.38%

ROCE

10Y Avg2.21%

5Y Avg1.29%

3Y Avg2.44%

Latest5.95%

Peer Comparison

Latin American Retail Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FBPFirst BanCorp.	3.39B	21.44	11.85	6.16%	25.04%	16.62%	11.64%	0.34
OFGOFG Bancorp	1.84B	41.92	9.91	13%	24.09%	14.59%	11.44%	0.34
BSBRBanco Santander (Brasil) S.A.	46.17B	6.18	7.10	6.31%	10.36%	7.84%		1.13
BAPCredicorp Ltd.	25.3B	318.78	4.61	6.4%	20.38%	17.35%	53.01%	1.07
IFSIntercorp Financial Services Inc.	5.01B	45.00	3.95	0.75%	14.68%	16.41%		1.08
INTRInter & Co, Inc.	2.63B	8.15	3.94	27.12%	9.34%	12.37%	100%	1.31
BBDBanco Bradesco S.A.	18.54B	3.51	2.15	-2%	6.91%	12.1%		4.08
ITUBItaú Unibanco Holding S.A.	40.24B	7.44	1.97	6.27%	12.61%	19.74%		4.09

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	243.48M	256.86M	261.93M	419.1M	586.22M	770.53M	1.64B	2.3B	3.28B	3.84B
NII Growth %	-	0.05%	0.02%	0.6%	0.4%	0.31%	1.13%	0.41%	0.42%	0.17%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	480.48M	577.7M	538.07M	636.38M	841.9M	942.81M	2.18B	4.27B	6.16B	7.15B
Interest Expense	237M	320.84M	276.15M	217.28M	255.68M	172.28M	543.24M	1.97B	2.89B	3.31B
Loan Loss Provision	59.45M	86.2M	25.55M	25.67M	107.06M	-172.28M	595.58M	1.08B	1.54B	1.8B
Non-Interest Income+	5.95M	15.84M	33.83M	52.45M	167.44M	177.94M	584.02M	1.26B	1.48B	2.56B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	486.43M	593.54M	571.91M	688.83M	1.01B	1.12B	2.77B	5.54B	7.64B	9.71B
Revenue Growth %	3.57%	0.22%	-0.04%	0.2%	0.47%	0.11%	1.47%	1%	0.38%	0.27%
Non-Interest Expense	144.7M	157.44M	210.45M	352M	563.49M	1.04B	1.86B	2.66B	2.77B	3.4B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	45.28M	29.06M	59.76M	93.88M	83.11M	78.47M	-231.06M	-178.57M	439.84M	1.21B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.64%	-0.36%	1.06%	0.57%	-0.11%	-0.06%	-3.94%	0.23%	3.46%	1.74%
Pretax Income+	45.28M	29.06M	59.76M	93.88M	83.11M	-7.02M	-231.06M	-178.57M	439.84M	1.21B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	11.57M	3.23M	5.96M	24.05M	1.54M	-37.71M	-175.99M	-164.49M	87.58M	232.71M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	32.9M	25.36M	48.16M	69.83M	78.88M	17.91M	-72.67M	-11.09M	302.34M	907.13M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.48%	-0.23%	0.9%	0.45%	0.13%	-0.77%	-5.06%	0.85%	28.26%	2%
Net Income (Continuing)	33.71M	25.83M	53.8M	69.83M	81.57M	30.69M	-55.07M	-14.08M	352.26M	972.84M
EPS (Diluted)+	0.15	0.12	0.04	0.04	0.04	0.00	-0.01	-0.03	0.75	2.07
EPS Growth %	0.5%	-0.2%	-0.69%	0.1%	-0.09%	-0.93%	-	-0.93%	28.17%	1.76%
EPS (Basic)	0.15	0.12	0.04	0.04	0.04	0.00	-0.01	-0.03	0.75	2.08
Diluted Shares Outstanding	213.32M	214.35M	1.29B	1.65B	2.11B	2.23B	2.54B	401.16M	403.12M	438.98M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	231.39M	532.14M	564.07M	1.79B	3.76B	4.39B	4.92B	5.85B	6.28B	6.84B
Short Term Investments	1000K	1000K	1000K	0	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	2.2B	2.53B	2.84B	3.31B	4.69B	12.57B	28.89B	36.02B	46.49B	63.31B
Investments Growth %	-	0.15%	0.12%	0.17%	0.42%	1.68%	1.3%	0.25%	0.29%	0.36%
Long-Term Investments	2.08B	2.28B	2.52B	3.31B	4.26B	7.28B	17.75B	26.32B	32.26B	42.4B
Accounts Receivables	0	0	1000K	0	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	37.33M	90.7M	632.8M	635.74M	798.27M
Intangible Assets	0	0	958K	26.43M	79.25M	187.18M	339.8M	605.83M	709.57M	1.04B
PP&E (Net)	5.13M	5.22M	5.54M	13.83M	22.46M	29.9M	163.47M	188.02M	167.55M	369.94M
Other Assets	778K	1.12M	8.19M	88.83M	603.53M	335.24M	968.84M	1.26B	3.81B	672.9M
Total Current Assets	418.69M	872.27M	1.01B	2.17B	4.99B	11.77B	16.62B	16.36B	21.73B	29.48B
Total Non-Current Assets	2.11B	2.32B	2.57B	3.47B	5.03B	8.03B	20.01B	29.98B	38.62B	46.98B
Total Assets+	2.53B	3.19B	3.58B	5.64B	10.02B	19.8B	36.63B	46.34B	60.35B	76.46B
Asset Growth %	0.37%	0.26%	0.12%	0.58%	0.78%	0.98%	0.85%	0.27%	0.3%	0.27%
Return on Assets (ROA)	0.02%	0.01%	0.01%	0.02%	0.01%	0%	-0%	-0%	0.01%	0.01%
Accounts Payable	48M	42.68M	56.29M	0	0	0	4.13B	5.48B	7.18B	9.23B
Total Debt+	39.24M	37.44M	623.28M	598.38M	1.93B	1.86B	4.71B	8.29B	9.33B	11.86B
Net Debt	-192.15M	-494.7M	59.21M	-1.19B	-1.83B	-2.54B	-208.42M	2.44B	3.05B	5.02B
Long-Term Debt	39.24M	37.44M	621.9M	597.04M	1.76B	1.76B	3.6B	6.24B	8.2B	10.02B
Short-Term Debt	0	0	1.38M	1.34M	167.74M	98.86M	973.53M	1.9B	1.01B	1.73B
Other Liabilities	995.7M	1.28B	957.44M	1.43B	252.31M	499.72M	629.12M	1.24B	2.18B	3.03B
Total Current Liabilities	1.16B	1.52B	1.61B	2.67B	5.8B	14.15B	23.68B	31.55B	42.18B	54.12B
Total Non-Current Liabilities	1.03B	1.32B	1.58B	2.03B	2.02B	2.3B	4.5B	7.7B	10.58B	13.26B
Total Liabilities	2.19B	2.84B	3.19B	4.69B	7.82B	16.45B	28.18B	39.25B	52.76B	67.39B
Total Equity+	337.14M	353.57M	384.07M	949.03M	2.2B	3.35B	8.45B	7.09B	7.6B	9.07B
Equity Growth %	0.1%	0.05%	0.09%	1.47%	1.32%	0.52%	1.52%	-0.16%	0.07%	0.19%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.1%	0.07%	0.13%	0.1%	0.05%	0.01%	-0.01%	-0%	0.04%	0.11%
Book Value per Share	1.58	1.65	0.30	0.58	1.04	1.50	3.33	17.67	18.84	20.67
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	281.25M	298.11M	311.87M	848.76M	2.07B	3.22B	13K	13K	13K	13K
Additional Paid-in Capital	281.25M	298.11M	311.87M	848.76M	2.07B	0	0	0	0	0
Retained Earnings	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	-224.98M	-241.05M	-238.37M	-748.31M	-1.94B	202.97M	2.66B	6.99B	7.47B	8.9B
Treasury Stock	-1.36M	-2M	-2.28M	-432K	0	-117.52M	-42.55M	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	89.96M	441.48M	19.72M	604.35M	859.47M	2.98B	91.64M	2.1B	7.54B	3.76B
Operating CF Growth %	1.27%	3.91%	-0.96%	29.64%	0.42%	2.47%	-0.97%	21.95%	2.59%	-0.5%
Net Income	33.71M	25.83M	53.8M	69.83M	81.57M	30.69M	-55.07M	-14.08M	352.26M	972.84M
Depreciation & Amortization	3.33M	1.27M	1.41M	2.61M	14.05M	43.66M	58.34M	163.97M	160.44M	208.83M
Deferred Taxes	-2.79M	-10.96M	4.33M	11.39M	-4.32M	-37.71M	175.99M	-164.49M	87.58M	232.71M
Other Non-Cash Items	33.63M	62.51M	56.52M	56.73M	103.99M	209.37M	-660.43M	776.96M	1.04B	1.09B
Working Capital Changes	22.09M	362.83M	-96.33M	462.5M	664.08M	2.73B	572.82M	1.34B	5.9B	1.25B
Cash from Investing+	51.8M	-131.65M	-71.58M	-32.02M	-538.68M	-5.05B	-7.18B	-50.81M	-4.67B	-7.73B
Purchase of Investments	-42.88M	-177.76M	-114.66M	-775.47M	-1B	-5.04B	-28.7B	-8.56B	-20.06B	-18.26B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	-24.91M	-93.78M	-545.98M	-62.36M	-81.67M
Other Investing	0	0	-996K	-23.28M	-62.3M	-128.4M	-255.13M	-251.38M	-256.21M	-427.68M
Cash from Financing+	-4.58M	-8M	-7.38M	499.89M	1.24B	1.11B	5.43B	-1.22B	-38.68M	683.04M
Dividends Paid	-3.33M	-7.36M	0	0	0	-37.87M	-3.12M	-38.06M	0	-68.81M
Share Repurchases	-1.36M	-646K	0	-53K	0	-153.11M	-29.32M	0	-16.41M	-18.95M
Stock Issued	104K	4K	62K	522.82M	1.29B	1.27B	0	0	0	823.04M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	0	0	0	0	0	0	0
Other Financing	0	0	-7.44M	-22.88M	-43.57M	31.63M	5.46B	-1.18B	-22.27M	-52.23M
Net Change in Cash+	137.18M	301.85M	-59.88M	1.07B	1.57B	-960.1M	-1.65B	831.2M	2.93B	-3.15B
Exchange Rate Effect	0	22K	-639K	1000K	397K	1000K	-30K	-217K	1000K	1000K
Cash at Beginning	93.11M	230.29M	532.14M	472.26M	1.55B	3.11B	2.15B	500.45M	1.33B	4.26B
Cash at End	230.29M	532.14M	472.26M	1.55B	3.11B	2.15B	500.45M	1.33B	4.26B	1.11B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	89.19M	440.11M	17.05M	574.74M	783.26M	2.83B	-196.34M	1.82B	7.27B	3.25B
FCF Growth %	1.26%	3.93%	-0.96%	32.72%	0.36%	2.61%	-1.07%	10.29%	2.99%	-0.55%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	10.24%	7.34%	13.06%	10.48%	5.01%	0.65%	-1.23%	-0.14%	4.12%	10.88%
Return on Assets (ROA)	1.5%	0.89%	1.42%	1.51%	1.01%	0.12%	-0.26%	-0.03%	0.57%	1.33%
Net Interest Margin	9.63%	8.05%	7.32%	7.43%	5.85%	3.89%	4.47%	4.97%	5.43%	5.02%
Efficiency Ratio	29.75%	26.53%	36.8%	51.1%	55.83%	93%	67.17%	48.02%	36.27%	34.96%
Equity / Assets	13.34%	11.08%	10.73%	16.82%	21.96%	16.93%	23.07%	15.3%	12.59%	11.87%
Book Value / Share	1.58	1.65	0.3	0.58	1.04	1.5	3.33	17.67	18.84	20.67
NII Growth	-	5.49%	1.97%	60.01%	39.88%	31.44%	112.55%	40.53%	42.4%	17.03%
Dividend Payout	10.11%	29.03%	-	-	-	211.42%	-	-	-	7.59%

Frequently Asked Questions

Valuation & Price

Inter & Co, Inc. (INTR) has a price-to-earnings (P/E) ratio of 3.9x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Inter & Co, Inc. (INTR) grew revenue by 27.1% over the past year. This is strong growth.

Yes, Inter & Co, Inc. (INTR) is profitable, generating $1.21B in net income for fiscal year 2024 (9.3% net margin).

Dividend & Returns

Yes, Inter & Co, Inc. (INTR) pays a dividend with a yield of 1.92%. This makes it attractive for income-focused investors.

Inter & Co, Inc. (INTR) has a return on equity (ROE) of 10.9%. This is reasonable for most industries.

Industry Metrics

Inter & Co, Inc. (INTR) has a net interest margin (NIM) of 5.0%. This indicates healthy earnings from lending activities.

Inter & Co, Inc. (INTR) has an efficiency ratio of 35.0%. This is excellent, indicating strong cost control.

US Stock Screener

...