Inter & Co, Inc. (INTR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Inter & Co, Inc. (INTR) stock price & volume — 10-year historical chart
Inter & Co, Inc. (INTR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Inter & Co, Inc. (INTR) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 11, 2026 | $0.16vs $0.16-2.4% | $482Mvs $2.3B-79.4% |
| Q4 2025 | Nov 13, 2025 | $0.14vs $0.15-5.7% | $715Mvs $395M+81.3% |
| Q3 2025 | Aug 6, 2025 | $0.13vs $0.12+8.3% | $631Mvs $348M+81.5% |
| Q2 2025 | May 12, 2025 | $0.11vs $0.12-8.3% | $517Mvs $325M+58.8% |
Inter & Co, Inc. (INTR) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison
Inter & Co, Inc. (INTR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Inter & Co, Inc. (INTR) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 256.86M | 261.93M | 419.1M | 586.22M | 770.53M | 1.64B | 2.3B | 3.28B | 3.84B | 2.61B |
| 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 Income | 577.7M | 538.07M | 636.38M | 841.9M | 942.81M | 2.18B | 4.27B | 6.16B | 7.15B | 7.8B |
| Interest Expense | 320.84M | 276.15M | 217.28M | 255.68M | 172.28M | 543.24M | 1.97B | 2.89B | 3.31B | 5.2B |
| Loan Loss Provision | 86.2M | 25.55M | 25.67M | 107.06M | -172.28M | 595.58M | 1.08B | 1.54B | 1.8B | 2.25B |
| Non-Interest Income | 15.84M | 33.83M | 52.45M | 167.44M | 177.94M | 584.02M | 1.26B | 1.48B | 2.56B | 5.24B |
| 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 Expense | 157.44M | 210.45M | 352M | 563.49M | 1.04B | 1.86B | 2.66B | 2.77B | 3.4B | 4.1B |
| Efficiency Ratio | 26.53% | 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 Tax | 3.23M | 5.96M | 24.05M | 1.54M | -37.71M | -175.99M | -164.49M | 87.58M | 232.71M | 209.35M |
| 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) | 25.83M | 53.8M | 69.83M | 81.57M | 30.69M | -55.07M | -14.08M | 352.26M | 972.84M | 1.29B |
| 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) | 0.12 | 0.04 | 0.04 | 0.04 | 0.00 | -0.01 | -0.03 | 0.75 | 2.08 | - |
| Diluted Shares Outstanding | 214.35M | 1.29B | 1.65B | 2.11B | 2.23B | 2.54B | 401.16M | 403.12M | 438.98M | 448.46M |
Inter & Co, Inc. (INTR) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 780.4M | 878.48M | 1.79B | 4.19B | 9.68B | 16.05B | 15.55B | 20.51B | 27.76B | 117.14B |
| Cash & Due from Banks | 532.14M | 564.07M | 1.79B | 3.76B | 4.39B | 4.92B | 5.85B | 6.28B | 6.84B | 8.9B |
| Short Term Investments | 248.26M | 314.41M | 0 | 428.39M | 5.29B | 11.14B | 9.7B | 14.23B | 20.91B | 23.5B |
| Total Investments | 2.53B | 2.84B | 3.31B | 4.69B | 12.57B | 28.89B | 36.02B | 46.49B | 63.31B | 71.85B |
| Investments Growth % | 14.97% | 12.23% | 16.63% | 41.64% | 168.28% | 129.75% | 24.66% | 29.09% | 36.16% | 130.42% |
| Long-Term Investments | 2.28B | 2.52B | 3.31B | 4.26B | 7.28B | 17.75B | 26.32B | 32.26B | 42.4B | 184.34B |
| Accounts Receivables | 0 | 3.4M | 0 | 634.08M | 1.68B | 142.54M | 113.55M | 226.52M | 211.87M | 290.5M |
| Goodwill & Intangibles | 0 | 958K | 26.43M | 79.25M | 224.51M | 430.5M | 1.24B | 1.35B | 1.84B | 2.01B |
| Goodwill | 0 | 0 | 0 | 0 | 37.33M | 90.7M | 632.8M | 635.74M | 798.27M | 785.47M |
| Intangible Assets | 0 | 958K | 26.43M | 79.25M | 187.18M | 339.8M | 605.83M | 709.57M | 1.04B | 1.22B |
| PP&E (Net) | 5.22M | 5.54M | 13.83M | 22.46M | 29.9M | 163.47M | 188.02M | 167.55M | 369.94M | 367.32M |
| Other Assets | 1.12M | 8.19M | 88.83M | 603.53M | 335.24M | 968.84M | 1.26B | 3.81B | 672.9M | 5.04B |
| Total Current Assets | 872.27M | 1.01B | 2.17B | 4.99B | 11.77B | 16.62B | 16.36B | 21.73B | 29.48B | 34.35B |
| Total Non-Current Assets | 2.32B | 2.57B | 3.47B | 5.03B | 8.03B | 20.01B | 29.98B | 38.62B | 46.98B | 57.46B |
| 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 Payable | 42.68M | 56.29M | 0 | 0 | 0 | 4.13B | 5.48B | 7.18B | 9.23B | 11.19B |
| Total Debt | 37.44M | 623.28M | 598.38M | 1.93B | 1.86B | 4.71B | 8.29B | 9.33B | 11.86B | 16.52B |
| Net Debt | -494.7M | 59.21M | -1.19B | -1.83B | -2.54B | -208.42M | 2.44B | 3.05B | 5.02B | 7.62B |
| Long-Term Debt | 37.44M | 621.9M | 597.04M | 1.76B | 1.76B | 3.6B | 6.24B | 8.2B | 10.02B | 12.92B |
| Short-Term Debt | 0 | 1.38M | 1.34M | 167.74M | 98.86M | 973.53M | 1.9B | 1.01B | 1.73B | 3.48B |
| Other Liabilities | 1.28B | 957.44M | 1.43B | 252.31M | 499.72M | 629.12M | 1.24B | 2.18B | 3.03B | 3.13B |
| Total Current Liabilities | 1.52B | 1.61B | 2.67B | 5.8B | 14.15B | 23.68B | 31.55B | 42.18B | 54.12B | 65.76B |
| Total Non-Current Liabilities | 1.32B | 1.58B | 2.03B | 2.02B | 2.3B | 4.5B | 7.7B | 10.58B | 13.26B | 16.24B |
| Total Liabilities | 2.84B | 3.19B | 4.69B | 7.82B | 16.45B | 28.18B | 39.25B | 52.76B | 67.39B | 82B |
| 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 Share | 1.65 | 0.30 | 0.58 | 1.04 | 1.50 | 3.33 | 17.67 | 18.84 | 20.67 | 21.87 |
| Tangible BV per Share | 1.65 | 0.30 | 0.56 | 1.00 | 1.40 | 3.16 | 14.58 | 15.51 | 16.48 | 17.40 |
| Common Stock | 298.11M | 311.87M | 848.76M | 2.07B | 3.22B | 13K | 13K | 13K | 13K | 13K |
| Additional Paid-in Capital | 298.11M | 311.87M | 848.76M | 2.07B | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -241.05M | -238.37M | -748.31M | -1.94B | 202.97M | 2.66B | 6.99B | 7.47B | 8.9B | 9.68B |
| Treasury Stock | -2M | -2.28M | -432K | 0 | -117.52M | -42.55M | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Inter & Co, Inc. (INTR) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 441.48M | 19.72M | 604.35M | 859.47M | 2.98B | 91.64M | 2.1B | 7.54B | 3.76B | 3.76B |
| Operating CF Growth % | 390.75% | -95.53% | 2964.32% | 42.22% | 246.83% | -96.93% | 2195.19% | 258.66% | -50.17% | -46.32% |
| Net Income | 25.83M | 53.8M | 69.83M | 81.57M | 30.69M | -55.07M | -14.08M | 352.26M | 972.84M | 1.21B |
| Depreciation & Amortization | 1.27M | 1.41M | 2.61M | 14.05M | 43.66M | 58.34M | 163.97M | 160.44M | 208.83M | 289.14M |
| Deferred Taxes | -10.96M | 4.33M | 11.39M | -4.32M | -37.71M | 175.99M | -164.49M | 87.58M | 232.71M | 147.43M |
| Other Non-Cash Items | 62.51M | 56.52M | 56.73M | 103.99M | 209.37M | -660.43M | 776.96M | 1.04B | 1.09B | 2.23B |
| Working Capital Changes | 362.83M | -96.33M | 462.5M | 664.08M | 2.73B | 572.82M | 1.34B | 5.9B | 1.25B | 1.4B |
| 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 Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 3M |
| Net Investment Activity | -176.76M | -113.66M | -774.47M | -1B | -5.03B | -28.7B | -8.56B | -20.06B | -18.26B | -9.95B |
| Acquisitions | 0 | 0 | 0 | 0 | -24.91M | -93.78M | -545.98M | -62.36M | -81.67M | 0 |
| Other Investing | 0 | -996K | -23.28M | -62.3M | -128.4M | -255.13M | -251.38M | -256.21M | -427.68M | -3.48B |
| Cash from Financing | -8M | -7.38M | 499.89M | 1.24B | 1.11B | 5.43B | -1.22B | -38.68M | 683.04M | 4.49B |
| Dividends Paid | -7.36M | 0 | 0 | 0 | -37.87M | -3.12M | -38.06M | 0 | -68.81M | -238.38M |
| Share Repurchases | -646K | 0 | -53K | 0 | -153.11M | -29.32M | 0 | -16.41M | -18.95M | -27.23M |
| Stock Issued | 4K | 62K | 522.82M | 1.29B | 1.27B | 0 | 0 | 0 | 823.04M | 39.67M |
| Net Stock Activity | -642K | 62K | 522.77M | 1.29B | 1.11B | -29.32M | 0 | -16.41M | 804.08M | 12.44M |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1000K |
| Other Financing | 0 | -7.44M | -22.88M | -43.57M | 31.63M | 5.46B | -1.18B | -22.27M | -52.23M | 5.45B |
| 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 Effect | 22K | -639K | 1000K | 397K | 1000K | -30K | -217K | 1000K | 1000K | 4M |
| Cash at Beginning | 230.29M | 532.14M | 472.26M | 1.55B | 3.11B | 2.15B | 500.45M | 1.33B | 4.26B | 4.83B |
| Cash at End | 532.14M | 472.26M | 1.55B | 3.11B | 2.15B | 500.45M | 1.33B | 4.26B | 1.11B | 5.7B |
| 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 | 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% |
Inter & Co, Inc. (INTR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 8.05% | 7.32% | 7.43% | 5.85% | 3.89% | 4.47% | 4.97% | 5.43% | 5.02% | 2.84% |
| Efficiency Ratio | 26.53% | 36.8% | 51.1% | 55.83% | 93% | 67.17% | 48.02% | 36.27% | 34.96% | 31.44% |
| Equity / Assets | 11.08% | 10.73% | 16.82% | 21.96% | 16.93% | 23.07% | 15.3% | 12.59% | 11.87% | 10.68% |
| Book Value / Share | 1.65 | 0.3 | 0.58 | 1.04 | 1.5 | 3.33 | 17.67 | 18.84 | 20.67 | 21.87 |
| NII Growth | 5.49% | 1.97% | 60.01% | 39.88% | 31.44% | 112.55% | 40.53% | 42.4% | 17.03% | -45.29% |
| Dividend Payout | 29.03% | - | - | - | 211.42% | - | - | - | 7.59% | 19.65% |
Inter & Co, Inc. (INTR) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Inter & Co, Inc. (INTR) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates