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INTRInter & Co, Inc.
$5.44$2.4B
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INTR logoInter & Co, Inc.(INTR)Earnings, Financials & Key Ratios

INTR•NASDAQ•Banking & Credit
9.6× P/E·Price updated Jun 19, 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%

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 1.2x book value

✗Weaknesses

  • ✗High debt to equity ratio of 2.9x
  • ✗Weak momentum: RS Rating 11 (bottom 11%)
  • ✗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.

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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-
TTM40.36%

EPS CAGR

10 Years34.47%
5 Years162.2%
3 Years-
TTM40.61%

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 11/12 qtrs (92%)
Q2 2026Latest
May 7, 2026
Metric
Actual
Est
EPS
$0.17+0.0%
$0.17
Rev
$496M+0.2%
$495M
Q1 2026
Feb 11, 2026
Metric
Actual
Est
EPS
$0.16-2.4%
$0.16
Rev
$483M-79.4%
$2.3B
Q4 2025
Nov 13, 2025
Metric
Actual
Est
EPS
$0.14-5.7%
$0.15
Rev
$715M+81.3%
$395M
Q3 2025
Aug 6, 2025
Metric
Actual
Est
EPS
$0.13+8.3%
$0.12
Rev
$631M+81.5%
$348M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 7, 2026
$0.17vs $0.17+0.0%
$496Mvs $495M+0.2%
Q1 2026Feb 11, 2026
$0.16vs $0.16-2.4%
$483Mvs $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%
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NU logoNUNu Holdings Ltd.Direct Competitor61.56B12.7121.9142.99%18.15%28.91%0.46
PAGS logoPAGSPagSeguro Digital Ltd.Direct Competitor2.55B8.826.495.57%10.79%14.62%3.03
STNE logoSTNEStoneCo Ltd.Direct Competitor2.58B10.596.5111.11%30.94%29.03%1.49
MELI logoMELIMercadoLibre, Inc.Direct Competitor82.9B1635.1541.5139.06%6.04%29.58%1.69
SOFI logoSOFISoFi Technologies, Inc.Product Competitor22.84B17.9145.9228.78%10.09%5.87%0.17
DAVE logoDAVEDave Inc.Product Competitor4.23B314.4423.2447.49%40.81%84.53%0.21
AFRM logoAFRMAffirm Holdings, Inc.Product Competitor24.62B73.92492.8038.8%11.95%11.17%2.56
V logoVVisa Inc.Supply Chain627.79B327.2432.0811.34%51.68%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
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
261.93M419.1M586.22M770.53M1.64B2.3B3.28B3.84B5.87B4.76B
NII Growth %
1.97%60.01%39.88%31.44%112.55%40.53%42.4%17.03%53.17%244.34%
Net Interest Margin %
7.32%7.43%5.85%3.89%4.47%4.97%5.43%5.02%5.96%4.86%
Interest Income
538.07M636.38M841.9M942.81M2.18B4.27B6.16B7.15B11.73B11.3B
Interest Expense
276.15M217.28M255.68M172.28M543.24M1.97B2.89B3.31B5.86B6.54B
Loan Loss Provision
25.55M25.67M107.06M-172.28M595.58M1.08B1.54B1.8B2.56B2.77B
Non-Interest Income
33.83M52.45M167.44M177.94M584.02M1.26B1.48B2.56B2.89B4.48B
Non-Interest Income %
5.92%7.61%16.59%15.88%21.12%22.78%19.31%26.41%19.74%28.39%
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%
15.78B▲ 0%
Revenue Growth %
-3.64%20.44%46.53%11.04%146.72%100.2%38.02%27.12%50.54%199%
Non-Interest Expense
210.45M352M563.49M1.04B1.86B2.66B2.77B3.4B4.61B4.73B
Efficiency Ratio
36.8%51.1%55.83%93%67.17%48.02%36.27%34.96%31.54%29.96%
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%
1.74B▲ 0%
Operating Margin %
10.45%13.63%8.23%7%-8.36%-3.23%5.76%12.41%10.89%11.04%
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%
1.74B▲ 0%
Pretax Margin %
10.45%13.63%8.23%-0.63%-8.36%-3.23%5.76%12.41%10.89%11.04%
Income Tax
5.96M24.05M1.54M-37.71M-175.99M-164.49M87.58M232.71M222.41M235.52M
Effective Tax Rate %
9.98%25.61%1.85%536.94%76.17%92.12%19.91%19.3%13.97%13.52%
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%
1.42B▲ 0%
Net Margin %
8.42%10.14%7.81%1.6%-2.63%-0.2%3.96%9.34%8.8%8.99%
Net Income Growth %
89.9%45.02%12.95%-77.29%-505.7%84.74%2826.27%200.03%41.83%40.36%
Net Income (Continuing)
53.8M69.83M81.57M30.69M-55.07M-14.08M352.26M972.84M1.37B1.51B
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%
3.18▲ 0%
EPS Growth %
-69%10.48%-9%-37.44%-1312.9%90.27%2817.39%176%40.1%40.61%
EPS (Basic)
0.040.040.040.02-0.28-0.030.752.082.90-
Diluted Shares Outstanding
1.29B1.65B2.11B764.44M266.24M401.16M403.12M438.98M440.23M445.6M

INTR Balance Sheet

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
878.48M1.79B4.19B9.68B16.05B15.55B20.51B27.76B11B80.82B
Cash & Due from Banks
564.07M1.79B3.76B4.39B4.92B5.85B6.28B6.84B11B9.63B
Short Term Investments
314.41M0428.39M5.29B11.14B9.7B14.23B20.91B00
Total Investments
2.84B3.31B4.69B12.57B28.89B36.02B46.49B63.31B80.49B80.35B
Investments Growth %
12.23%16.63%41.64%168.28%129.75%24.66%29.09%36.16%27.13%95.98%
Long-Term Investments
2.52B3.31B4.26B7.28B17.75B26.32B32.26B42.4B80.49B255.52B
Accounts Receivables
3.4M0634.08M1.68B142.54M113.55M226.52M211.87M00
Goodwill & Intangibles
958K26.43M79.25M224.51M430.5M1.24B1.35B1.84B2.02B2.07B
Goodwill
00037.33M90.7M632.8M635.74M798.27M785.18M775.78M
Intangible Assets
958K26.43M79.25M187.18M339.8M605.83M709.57M1.04B1.24B1.3B
PP&E (Net)
5.54M13.83M22.46M29.9M163.47M188.02M167.55M369.94M381.21M359.16M
Other Assets
8.19M88.83M603.53M335.24M968.84M1.26B3.81B672.9M2.88B3.55B
Total Current Assets
1.01B2.17B4.99B11.77B16.62B16.36B21.73B29.48B11B9.63B
Total Non-Current Assets
2.57B3.47B5.03B8.03B20.01B29.98B38.62B46.98B87.56B88.22B
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%
97.86B▲ 0%
Asset Growth %
12.1%57.66%77.61%97.57%85.02%26.53%30.23%26.69%28.91%108.95%
Return on Assets (ROA)
1.42%1.51%1.01%0.12%-0.26%-0.03%0.57%1.33%1.47%1.52%
Accounts Payable
56.29M0004.13B5.48B7.18B9.23B00
Total Debt
623.28M598.38M1.93B1.86B4.71B8.29B9.33B11.86B29.63B31.19B
Net Debt
59.21M-1.19B-1.83B-2.54B-208.42M2.44B3.05B5.02B18.63B21.56B
Long-Term Debt
621.9M597.04M1.76B1.76B3.6B6.24B8.2B10.02B9.37B9.66B
Short-Term Debt
1.38M1.34M167.74M98.86M973.53M1.9B1.01B1.73B20.15B21.42B
Other Liabilities
957.44M1.43B252.31M499.72M629.12M1.24B2.18B3.03B58.5B56.34B
Total Current Liabilities
1.61B2.67B5.8B14.15B23.68B31.55B42.18B54.12B20.15B21.42B
Total Non-Current Liabilities
1.58B2.03B2.02B2.3B4.5B7.7B10.58B13.26B68.02B66.15B
Total Liabilities
3.19B4.69B7.82B16.45B28.18B39.25B52.76B67.39B88.17B87.57B
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%
10.29B▲ 0%
Equity Growth %
8.63%147.1%131.81%52.3%152.2%-16.1%7.16%19.42%14.5%48.3%
Equity / Assets (Capital Ratio)
10.73%16.82%21.96%16.93%23.07%15.3%12.59%11.87%10.54%10.51%
Return on Equity (ROE)
13.06%10.48%5.01%0.65%-1.23%-0.14%4.12%10.88%13.22%14.24%
Book Value per Share
0.300.581.044.3831.7417.6718.8420.6723.6023.08
Tangible BV per Share
0.300.561.004.0930.1214.5815.5116.4819.0018.43
Common Stock
311.87M848.76M2.07B3.22B13K13K13K13K12.99K12.84K
Additional Paid-in Capital
311.87M848.76M2.07B0000000
Retained Earnings
0000000000
Accumulated OCI
-238.37M-748.31M-1.94B202.97M2.66B6.99B7.47B8.9B10.16B10.07B
Treasury Stock
-2.28M-432K0-117.52M-42.55M00000
Preferred Stock
0000000000

INTR Cash Flow Statement

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

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
19.72M604.35M859.47M2.98B91.64M2.1B7.54B3.76B3.11B3.25B
Operating CF Growth %
-95.53%2964.32%42.22%246.83%-96.93%2195.19%258.66%-50.17%-17.37%-432.98%
Net Income
53.8M69.83M81.57M30.69M-55.07M-14.08M352.26M972.84M1.29B1.42B
Depreciation & Amortization
1.41M2.61M14.05M43.66M58.34M163.97M160.44M208.83M0161.16M
Deferred Taxes
4.33M11.39M-4.32M-37.71M175.99M-164.49M87.58M232.71M051.36M
Other Non-Cash Items
56.52M56.73M103.99M209.37M-660.43M776.96M1.04B1.09B2.11B2.29B
Working Capital Changes
-96.33M462.5M664.08M2.73B572.82M1.34B5.9B1.25B-294.39M-682.72M
Cash from Investing
-71.58M-32.02M-538.68M-5.05B-7.18B-50.81M-4.67B-7.73B-14.47B-9.83B
Purchase of Investments
-114.66M-775.47M-1B-5.04B-28.7B-8.56B-20.06B-18.26B-10.34B-4.5B
Sale/Maturity of Investments
45.76M773.05M539.97M156.83M21.91B9.33B15.73B11.13B5.61B5.25B
Net Investment Activity
-68.9M-2.42M-463.2M-4.88B-6.79B774.26M-4.33B-7.14B-4.72B744.86M
Acquisitions
000-24.91M-93.78M-545.98M-62.36M-81.67M00
Other Investing
-996K-23.28M-62.3M-128.4M-255.13M-251.38M-256.21M-427.68M-9.19B-10.22B
Cash from Financing
-7.38M499.89M1.24B1.11B5.43B-1.22B-38.68M683.04M13.87B9.33B
Dividends Paid
000-37.87M-3.12M-38.06M0-68.81M-238.91M-326.42M
Share Repurchases
0-53K0-153.11M-29.32M0-16.41M-18.95M-26.58M-27.5M
Stock Issued
62K522.82M1.29B1.27B000823.04M00
Net Stock Activity
62K522.77M1.29B1.11B-29.32M0-16.41M804.08M-26.58M-27.5M
Debt Issuance (Net)
000000001000K1000K
Other Financing
-7.44M-22.88M-43.57M31.63M5.46B-1.18B-22.27M-52.23M11.84B8.37B
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%
4.24B▲ 0%
Exchange Rate Effect
-639K1.59M397K1.01M-30K-217K88.71M134.45M-2.51B1.49B
Cash at Beginning
532.14M472.26M1.55B3.11B2.15B500.45M1.33B4.26B00
Cash at End
472.26M1.55B3.11B2.15B500.45M1.33B4.26B1.11B00
Interest Paid
0000000000
Income Taxes Paid
0000000000
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%
3.04B▲ 0%
FCF Growth %
-96.13%3271.92%36.28%261.06%-106.94%1029.17%298.51%-55.3%-7.72%-21.76%

INTR Banking Ratios

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

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
13.06%10.48%5.01%0.65%-1.23%-0.14%4.12%10.88%13.22%14.24%
Return on Assets (ROA)
1.42%1.51%1.01%0.12%-0.26%-0.03%0.57%1.33%1.47%1.52%
Net Interest Margin
7.32%7.43%5.85%3.89%4.47%4.97%5.43%5.02%5.96%4.86%
Efficiency Ratio
36.8%51.1%55.83%93%67.17%48.02%36.27%34.96%31.54%29.96%
Equity / Assets
10.73%16.82%21.96%16.93%23.07%15.3%12.59%11.87%10.54%10.51%
Book Value / Share
0.30.581.044.3831.7417.6718.8420.6723.623.08
NII Growth
1.97%60.01%39.88%31.44%112.55%40.53%42.4%17.03%53.17%36.18%
Dividend Payout
---211.42%---7.59%18.57%23%
Related:INTR Dividend History·INTR Revenue History·INTR Price History·INTR P/E History·INTR Financial Ratios·INTR Institutional Holders

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 $1.42B 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 1.95%. 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.

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

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

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How much would $100/month in INTR be worth today?

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