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

INTR•NASDAQ•Banking & Credit
$7.84
$2.54B mkt cap·18.7× P/E·Price updated May 6, 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$3.84B+17.0%
  • Total Revenue$9.71B+27.1%
  • Net Income$907M+200.0%
  • Return on Equity10.88%+164.3%
  • Net Interest Margin5.02%-7.6%
  • Efficiency Ratio34.96%-3.6%
  • ROA1.33%+134.0%
  • Equity / Assets11.87%-5.7%
  • Book Value per Share20.67+9.7%
  • Tangible BV/Share16.48+6.3%
  • Debt/Equity1.31+6.4%
Technical→

INTR Key Insights

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

✗Weaknesses

  • ✗Weak 3Y average ROE of 5.0%

* 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 Years57.06%
5 Years57.27%
3 Years52.01%
TTM-

Profit CAGR

10 Years44.95%
5 Years62.98%
3 Years-
TTM54.98%

EPS CAGR

10 Years35.39%
5 Years123.16%
3 Years-
TTM51.38%

Return on Capital

10 Years2.21%
5 Years1.29%
3 Years2.44%
Last Year5.95%

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 Competitor55.36B14.4836.2044.79%23.96%0.12
PAGS logoPAGSPagSeguro Digital Ltd.Direct Competitor1.78B10.417.395.57%10.72%14.4%2.38
STNE logoSTNEStoneCo Ltd.Direct Competitor2.79B11.376.74-73.97%21.13%19.91%1.59
MELI logoMELIMercadoLibre, Inc.Direct Competitor93.34B1841.1446.7439.06%6.91%33.73%1.69
SOFI logoSOFISoFi Technologies, Inc.Product Competitor20.79B16.3041.7928.78%5.87%0.17
DAVE logoDAVEDave Inc.Product Competitor3.27B246.3718.2147.49%40.81%84.53%0.21
AFRM logoAFRMAffirm Holdings, Inc.Product Competitor21.85B65.58437.2038.8%7.6%8.83%2.56
V logoVVisa Inc.Supply Chain611.6B318.8031.2511.34%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'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income256.86M261.93M419.1M586.22M770.53M1.64B2.3B3.28B3.84B2.61B
NII Growth %5.49%1.97%60.01%39.88%31.44%112.55%40.53%42.4%17.03%-110.54%
Net Interest Margin %8.05%7.32%7.43%5.85%3.89%4.47%4.97%5.43%5.02%2.84%
Interest Income577.7M538.07M636.38M841.9M942.81M2.18B4.27B6.16B7.15B7.8B
Interest Expense320.84M276.15M217.28M255.68M172.28M543.24M1.97B2.89B3.31B5.2B
Loan Loss Provision86.2M25.55M25.67M107.06M-172.28M595.58M1.08B1.54B1.8B2.25B
Non-Interest Income15.84M33.83M52.45M167.44M177.94M584.02M1.26B1.48B2.56B5.24B
Non-Interest Income %2.67%5.92%7.61%16.59%15.88%21.12%22.78%19.31%26.41%40.19%
Total Revenue
593.54M▲ 0%
571.91M▼ 3.6%
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%
13.05B▲ 0%
Revenue Growth %22.02%-3.64%20.44%46.53%11.04%146.72%100.2%38.02%27.12%178.5%
Non-Interest Expense157.44M210.45M352M563.49M1.04B1.86B2.66B2.77B3.4B4.1B
Efficiency Ratio26.53%36.8%51.1%55.83%93%67.17%48.02%36.27%34.96%31.44%
Operating Income
29.06M▲ 0%
59.76M▲ 105.7%
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%
1.5B▲ 0%
Operating Margin %4.9%10.45%13.63%8.23%7%-8.36%-3.23%5.76%12.41%11.49%
Operating Income Growth %-35.83%105.66%57.1%-11.48%-5.58%-394.47%22.72%346.31%174.09%-
Pretax Income
29.06M▲ 0%
59.76M▲ 105.7%
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%
1.5B▲ 0%
Pretax Margin %4.9%10.45%13.63%8.23%-0.63%-8.36%-3.23%5.76%12.41%11.49%
Income Tax3.23M5.96M24.05M1.54M-37.71M-175.99M-164.49M87.58M232.71M209.35M
Effective Tax Rate %11.11%9.98%25.61%1.85%536.94%76.17%92.12%19.91%19.3%13.96%
Net Income
25.36M▲ 0%
48.16M▲ 89.9%
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%
1.21B▲ 0%
Net Margin %4.27%8.42%10.14%7.81%1.6%-2.63%-0.2%3.96%9.34%9.3%
Net Income Growth %-22.91%89.9%45.02%12.95%-77.29%-505.7%84.74%2826.27%200.03%54.98%
Net Income (Continuing)25.83M53.8M69.83M81.57M30.69M-55.07M-14.08M352.26M972.84M1.29B
EPS (Diluted)
0.12▲ 0%
0.04▼ 69.0%
0.04▲ 10.5%
0.04▼ 9.0%
0.00▼ 93.3%
-0.01▼ 672.0%
-0.03▼ 93.0%
0.75▲ 2817.4%
2.07▲ 176.0%
2.71▲ 0%
EPS Growth %-20%-69%10.48%-9%-93.32%--93.01%2817.39%176%51.38%
EPS (Basic)0.120.040.040.040.00-0.01-0.030.752.08-
Diluted Shares Outstanding214.35M1.29B1.65B2.11B2.23B2.54B401.16M403.12M438.98M448.46M

INTR Balance Sheet

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments780.4M878.48M1.79B4.19B9.68B16.05B15.55B20.51B27.76B117.14B
Cash & Due from Banks532.14M564.07M1.79B3.76B4.39B4.92B5.85B6.28B6.84B8.9B
Short Term Investments248.26M314.41M0428.39M5.29B11.14B9.7B14.23B20.91B23.5B
Total Investments2.53B2.84B3.31B4.69B12.57B28.89B36.02B46.49B63.31B71.85B
Investments Growth %14.97%12.23%16.63%41.64%168.28%129.75%24.66%29.09%36.16%130.42%
Long-Term Investments2.28B2.52B3.31B4.26B7.28B17.75B26.32B32.26B42.4B184.34B
Accounts Receivables03.4M0634.08M1.68B142.54M113.55M226.52M211.87M290.5M
Goodwill & Intangibles0958K26.43M79.25M224.51M430.5M1.24B1.35B1.84B2.01B
Goodwill000037.33M90.7M632.8M635.74M798.27M785.47M
Intangible Assets0958K26.43M79.25M187.18M339.8M605.83M709.57M1.04B1.22B
PP&E (Net)5.22M5.54M13.83M22.46M29.9M163.47M188.02M167.55M369.94M367.32M
Other Assets1.12M8.19M88.83M603.53M335.24M968.84M1.26B3.81B672.9M5.04B
Total Current Assets872.27M1.01B2.17B4.99B11.77B16.62B16.36B21.73B29.48B34.35B
Total Non-Current Assets2.32B2.57B3.47B5.03B8.03B20.01B29.98B38.62B46.98B57.46B
Total Assets
3.19B▲ 0%
3.58B▲ 12.1%
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%
91.81B▲ 0%
Asset Growth %26.26%12.1%57.66%77.61%97.57%85.02%26.53%30.23%26.69%114.05%
Return on Assets (ROA)0.89%1.42%1.51%1.01%0.12%-0.26%-0.03%0.57%1.33%1.32%
Accounts Payable42.68M56.29M0004.13B5.48B7.18B9.23B11.19B
Total Debt37.44M623.28M598.38M1.93B1.86B4.71B8.29B9.33B11.86B16.52B
Net Debt-494.7M59.21M-1.19B-1.83B-2.54B-208.42M2.44B3.05B5.02B7.62B
Long-Term Debt37.44M621.9M597.04M1.76B1.76B3.6B6.24B8.2B10.02B12.92B
Short-Term Debt01.38M1.34M167.74M98.86M973.53M1.9B1.01B1.73B3.48B
Other Liabilities1.28B957.44M1.43B252.31M499.72M629.12M1.24B2.18B3.03B3.13B
Total Current Liabilities1.52B1.61B2.67B5.8B14.15B23.68B31.55B42.18B54.12B65.76B
Total Non-Current Liabilities1.32B1.58B2.03B2.02B2.3B4.5B7.7B10.58B13.26B16.24B
Total Liabilities2.84B3.19B4.69B7.82B16.45B28.18B39.25B52.76B67.39B82B
Total Equity
353.57M▲ 0%
384.07M▲ 8.6%
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%
9.81B▲ 0%
Equity Growth %4.87%8.63%147.1%131.81%52.3%152.2%-16.1%7.16%19.42%44.66%
Equity / Assets (Capital Ratio)11.08%10.73%16.82%21.96%16.93%23.07%15.3%12.59%11.87%10.68%
Return on Equity (ROE)7.34%13.06%10.48%5.01%0.65%-1.23%-0.14%4.12%10.88%12.37%
Book Value per Share1.650.300.581.041.503.3317.6718.8420.6721.87
Tangible BV per Share1.650.300.561.001.403.1614.5815.5116.4817.40
Common Stock298.11M311.87M848.76M2.07B3.22B13K13K13K13K13K
Additional Paid-in Capital298.11M311.87M848.76M2.07B000000
Retained Earnings0000000000
Accumulated OCI-241.05M-238.37M-748.31M-1.94B202.97M2.66B6.99B7.47B8.9B9.68B
Treasury Stock-2M-2.28M-432K0-117.52M-42.55M0000
Preferred Stock0000000000

INTR Cash Flow Statement

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

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations441.48M19.72M604.35M859.47M2.98B91.64M2.1B7.54B3.76B3.76B
Operating CF Growth %390.75%-95.53%2964.32%42.22%246.83%-96.93%2195.19%258.66%-50.17%-46.32%
Net Income25.83M53.8M69.83M81.57M30.69M-55.07M-14.08M352.26M972.84M1.21B
Depreciation & Amortization1.27M1.41M2.61M14.05M43.66M58.34M163.97M160.44M208.83M289.14M
Deferred Taxes-10.96M4.33M11.39M-4.32M-37.71M175.99M-164.49M87.58M232.71M147.43M
Other Non-Cash Items62.51M56.52M56.73M103.99M209.37M-660.43M776.96M1.04B1.09B2.23B
Working Capital Changes362.83M-96.33M462.5M664.08M2.73B572.82M1.34B5.9B1.25B1.4B
Cash from Investing-131.65M-71.58M-32.02M-538.68M-5.05B-7.18B-50.81M-4.67B-7.73B-6.54B
Purchase of Investments-177.76M-114.66M-775.47M-1B-5.04B-28.7B-8.56B-20.06B-18.26B-9.95B
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K3M
Net Investment Activity-176.76M-113.66M-774.47M-1B-5.03B-28.7B-8.56B-20.06B-18.26B-9.95B
Acquisitions0000-24.91M-93.78M-545.98M-62.36M-81.67M0
Other Investing0-996K-23.28M-62.3M-128.4M-255.13M-251.38M-256.21M-427.68M-3.48B
Cash from Financing-8M-7.38M499.89M1.24B1.11B5.43B-1.22B-38.68M683.04M4.49B
Dividends Paid-7.36M000-37.87M-3.12M-38.06M0-68.81M-238.38M
Share Repurchases-646K0-53K0-153.11M-29.32M0-16.41M-18.95M-27.23M
Stock Issued4K62K522.82M1.29B1.27B000823.04M39.67M
Net Stock Activity-642K62K522.77M1.29B1.11B-29.32M0-16.41M804.08M12.44M
Debt Issuance (Net)000000000-1000K
Other Financing0-7.44M-22.88M-43.57M31.63M5.46B-1.18B-22.27M-52.23M5.45B
Net Change in Cash
301.85M▲ 0%
-59.88M▼ 119.8%
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%
3.42B▲ 0%
Exchange Rate Effect22K-639K1000K397K1000K-30K-217K1000K1000K4M
Cash at Beginning230.29M532.14M472.26M1.55B3.11B2.15B500.45M1.33B4.26B4.83B
Cash at End532.14M472.26M1.55B3.11B2.15B500.45M1.33B4.26B1.11B5.7B
Interest Paid0000000000
Income Taxes Paid0000000000
Free Cash Flow
440.11M▲ 0%
17.05M▼ 96.1%
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%
4.89B▲ 0%
FCF Growth %393.48%-96.13%3271.92%36.28%261.06%-106.94%1029.17%298.51%-55.3%508.87%

INTR Banking Ratios

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

Metric201620172018201920202021202220232024TTM
Return on Equity (ROE)7.34%13.06%10.48%5.01%0.65%-1.23%-0.14%4.12%10.88%12.37%
Return on Assets (ROA)0.89%1.42%1.51%1.01%0.12%-0.26%-0.03%0.57%1.33%1.32%
Net Interest Margin8.05%7.32%7.43%5.85%3.89%4.47%4.97%5.43%5.02%2.84%
Efficiency Ratio26.53%36.8%51.1%55.83%93%67.17%48.02%36.27%34.96%31.44%
Equity / Assets11.08%10.73%16.82%21.96%16.93%23.07%15.3%12.59%11.87%10.68%
Book Value / Share1.650.30.581.041.53.3317.6718.8420.6721.87
NII Growth5.49%1.97%60.01%39.88%31.44%112.55%40.53%42.4%17.03%-45.29%
Dividend Payout29.03%---211.42%---7.59%19.65%

INTR Frequently Asked Questions

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

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 0.40%. 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.

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

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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