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INTRInter & Co, Inc.
$3.86$1.7B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
INTR logo

Inter & Co, Inc.

INTR
NASDAQ · Regional Banks
$3.86
At close - Nov 6, 4:00 PM EST - USD
Market Cap$1.7B
P/E6.2x
52W High$10.36
Volume6.83M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Rapid Asset Growth Masks Credit Cost and Margin Volatility

Inter & Co is experiencing explosive top-line growth, with NII surging 156.4% YoY in Q2 2026, driven by a massive expansion of its securities-heavy balance sheet.

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

INTR price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

5/12 Beats

EPS beat 5 of last 12 quarters

02

Valuation risk

-62% Peers

P/E is 62% below peer median

03

Market leadership

RS 17 · Lag

Laggard (Underperforming 83% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 12

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
INTR-52.98%
S&P 500 (^GSPC)+7.63%
1-Year Return
INTR-58.00%
S&P 500 (^GSPC)+9.69%
3-Year Return
INTR-10.85%
S&P 500 (^GSPC)+71.47%
5-Year Return
INTR+17.33%
S&P 500 (^GSPC)+59.75%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
6.2x
Forward P/EExpansion
1.0x
EV/EBITDA100th %ile
12.3x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
6.2x
2.9x
67th· Fair
EV/EBITDA
12.3x
8.8x
100th· High
Price/FCF
N/A
0.6x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$1.41-63.5%
Base (Fair)$3.14-18.7%
Bull$5.32+37.8%
$1.41 Bear$3.14 Base$5.32 Bull
Current Market Price: $3.86
Trades at a 22.9% premium to Base DCF ($3.14)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$8.4B+31.3% YoY
Net income FY25
$1.31B+44.7% YoY
Free cash flow FY25
$3B-7.7% YoY
Operating margin FY25
19.3%+0.5 pts YoY
ROIC (FY25)4%
Avg ROIC 5Y1.6%
ROE (TTM)15%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate5/12 (42%)
Revenue Beat Rate10/12 (83%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 5, 2026
$0.19+4.7%
vs $0.18
$518M+0.8%
vs $513M
Q2 2026
May 7, 2026
$0.17+0.0%
vs $0.17
$484M-2.2%
vs $495M
Q1 2026
Feb 11, 2026
$0.16-2.4%
vs $0.16
$483M-79.4%
vs $2.3B
Q4 2025
Nov 13, 2025
$0.14-5.7%
vs $0.15
$715M+81.3%
vs $395M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Zacks Investment Research·2d ago
Inter & Co. Inc. (INTR) Earnings Expected to Grow: Should You Buy?

Inter & Co. Inc. (INTR) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Seeking Alpha·2d ago
Inter & Co: Election Overreaction Opens Up A Perfect Opportunity

Inter & Co trades at compressed multiples following the recent election results; a forward P/E of just 5x signals undervaluation when evaluated in the context of the company's fundamentals. Second quarter results continue to prove the fundamental rigor of the company; revenue net of credit impairment losses rose by 31.7%, net income by 33.6%, and ROE reached 16.3%. Inter's well-diversified loan portfolio allows for a good risk-reward ratio; over 70% of the loans are collateralized in some way.

Seeking Alpha·Oct 26, 2026
Inter & Co: Lula Won - Here's Why I'm Still Bullish

Inter & Co, Inc. has declined 13% post-election, but I remain optimistic about its long-term prospects despite macro headwinds. INTR's diversified loan portfolio and low funding costs provide resilience against Brazil's challenging fiscal and interest rate environment. Current valuation is compelling, with INTR trading at 5–6x earnings and delivering a 16.3% ROE, offering margin of safety even with muted growth.

Zacks Investment Research·Oct 6, 2026
Inter & Co. Inc. (INTR) Surges 19.7%: Is This an Indication of Further Gains?

Inter & Co. Inc. (INTR) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.

Filtered for Inter & Co, Inc.More Headlines
04

Compare before deciding

Benchmark INTR against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Inter & Co, Inc. (INTR)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
INTR logoINTRInter & Co, Inc.Current
$3.86$1.7B6.1831.26%15.79%14.95%2.56%
NU logoNUNu Holdings Ltd.
$12.03$58.26B16.3636.64%25.95%30.24%—
PAGS logoPAGSPagSeguro Digital Ltd.
$7.60$2.2B5.435.57%10.85%14.6%4.86%
STNE logoSTNEStoneCo Ltd.
$7.51$1.83B3.0611.11%23.61%29.59%—
MELI logoMELIMercadoLibre, Inc.
$1510.00$76.55B40.5039.06%4.91%25.15%—
SOFI logoSOFISoFi Technologies, Inc.
$16.21$20.79B29.8338.32%15.6%6.76%—

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

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INTR Frequently Asked Questions

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

Growth & Financials
How fast is Inter & Co, Inc. growing?

Inter & Co, Inc. (INTR) grew revenue by 32.2% over the trailing twelve months, compared with the twelve months before.

Is INTR profitable?

Yes. Inter & Co, Inc. (INTR) earned $1.54B in net income over the trailing twelve months (a 15.8% net margin).

Dividend & Returns
Does INTR pay dividends?

Yes. Inter & Co, Inc. (INTR) pays a dividend that yields 2.56% at the current price, a moderate yield.

What is INTR's return on equity?

Inter & Co, Inc. (INTR) had a return on equity (ROE) of 15.0% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Inter & Co, Inc.'s net interest margin?

Inter & Co, Inc. (INTR) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

What is Inter & Co, Inc.'s efficiency ratio?

Inter & Co, Inc. (INTR) has an efficiency ratio of 51.9%. This is excellent, indicating strong cost control.

What if you invested $1,000 in INTR back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →