The firm maintains a stable capital structure with an equity-to-assets ratio of 0.11, supported by a massive $80.3 billion investment securities portfolio.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 |
|---|
| Cash & Short Term Investments | 80.82B | 11B | 27.76B | 20.51B | 15.55B | 16.05B | 9.68B | 4.19B | 1.79B | 878.48M | 780.4M | 349.37M | 93.09M | 62.05M | 106.53M |
| Cash & Due from Banks | 9.63B | 11B | 6.84B | 6.28B | 5.85B | 4.92B | 4.39B | 3.76B | 1.79B | 564.07M | 532.14M | 231.39M | 93.09M | 62.05M | 106.53M |
| Short Term Investments | 0 | 0 | 20.91B | 14.23B | 9.7B | 11.14B | 5.29B | 428.39M | 0 | 314.41M | 248.26M | 117.98M | 0 | 0 | 0 |
| Total Investments | 80.35B | 80.49B | 63.31B | 46.49B | 36.02B | 28.89B | 12.57B | 4.69B | 3.31B | 2.84B | 2.53B | 2.2B | 0 | 0 | 0 |
| Investments Growth % | 95.98% | 27.13% | 36.16% | 29.09% | 24.66% | 129.75% | 168.28% | 41.64% | 16.63% | 12.23% | 14.97% | - | - | - | - |
| Long-Term Investments | 255.52B | 80.49B | 42.4B | 32.26B | 26.32B | 17.75B | 7.28B | 4.26B | 3.31B | 2.52B | 2.28B | 2.08B | 0 | 0 | 0 |
| Accounts Receivables | 0 | 0 | 211.87M | 226.52M | 113.55M | 142.54M | 1.68B | 634.08M | 0 | 3.4M | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 2.07B | 2.02B | 1.84B | 1.35B | 1.24B | 430.5M | 224.51M | 79.25M | 26.43M | 958K | 0 | 0 | 2.4M | 2.87M | 1.43M |
| Goodwill | 775.78M | 785.18M | 798.27M | 635.74M | 632.8M | 90.7M | 37.33M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 1.3B | 1.24B | 1.04B | 709.57M | 605.83M | 339.8M | 187.18M | 79.25M | 26.43M | 958K | 0 | 0 | 2.4M | 2.87M | 1.43M |
| PP&E (Net) | 359.16M | 381.21M | 369.94M | 167.55M | 188.02M | 163.47M | 29.9M | 22.46M | 13.83M | 5.54M | 5.22M | 5.13M | 5.28M | 4.74M | 2.3M |
| Other Assets | 3.55B | 2.88B | 672.9M | 3.81B | 1.26B | 968.84M | 335.24M | 603.53M | 88.83M | 8.19M | 1.12M | 778K | 1.75B | 1.36B | -3.73M |
| Total Current Assets | 9.63B | 11B | 29.48B | 21.73B | 16.36B | 16.62B | 11.77B | 4.99B | 2.17B | 1.01B | 872.27M | 418.69M | 93.09M | 62.05M | 106.53M |
| Total Non-Current Assets | 88.22B | 87.56B | 46.98B | 38.62B | 29.98B | 20.01B | 8.03B | 5.03B | 3.47B | 2.57B | 2.32B | 2.11B | 1.76B | 1.37B | 3.73M |
| Total Assets | 97.86B | 98.56B | 76.46B | 60.35B | 46.34B | 36.63B | 19.8B | 10.02B | 5.64B | 3.58B | 3.19B | 2.53B | 1.85B | 1.43B | 1.23B |
| Asset Growth % | 108.95% | 28.91% | 26.69% | 30.23% | 26.53% | 85.02% | 97.57% | 77.61% | 57.66% | 12.1% | 26.26% | 36.68% | 28.98% | 17.06% | - |
| Return on Assets (ROA) | 1.52% | 1.47% | 1.33% | 0.57% | -0.03% | -0.26% | 0.12% | 1.01% | 1.51% | 1.42% | 0.89% | 1.5% | 1.35% | 1.29% | 1.33% |
| Accounts Payable | 0 | 0 | 9.23B | 7.18B | 5.48B | 4.13B | 0 | 0 | 0 | 56.29M | 42.68M | 48M | 0 | 0 | 0 |
| Total Debt | 31.19B | 29.63B | 11.86B | 9.33B | 8.29B | 4.71B | 1.86B | 1.93B | 598.38M | 623.28M | 37.44M | 39.24M | 29.76M | 3.58M | 0 |
| Net Debt | 21.56B | 18.63B | 5.02B | 3.05B | 2.44B | -208.42M | -2.54B | -1.83B | -1.19B | 59.21M | -494.7M | -192.15M | -63.32M | -58.47M | -106.53M |
| Long-Term Debt | 9.66B | 9.37B | 10.02B | 8.2B | 6.24B | 3.6B | 1.76B | 1.76B | 597.04M | 621.9M | 37.44M | 39.24M | 29.76M | 3.58M | 942K |
| Short-Term Debt | 21.42B | 20.15B | 1.73B | 1.01B | 1.9B | 973.53M | 98.86M | 167.74M | 1.34M | 1.38M | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 56.34B | 58.5B | 3.03B | 2.18B | 1.24B | 629.12M | 499.72M | 252.31M | 1.43B | 957.44M | 1.28B | 995.7M | 0 | 0 | -942K |
| Total Current Liabilities | 21.42B | 20.15B | 54.12B | 42.18B | 31.55B | 23.68B | 14.15B | 5.8B | 2.67B | 1.61B | 1.52B | 1.16B | 0 | 0 | 0 |
| Total Non-Current Liabilities | 66.15B | 68.02B | 13.26B | 10.58B | 7.7B | 4.5B | 2.3B | 2.02B | 2.03B | 1.58B | 1.32B | 1.03B | 29.76M | 3.58M | 942K |
| Total Liabilities | 87.57B | 88.17B | 67.39B | 52.76B | 39.25B | 28.18B | 16.45B | 7.82B | 4.69B | 3.19B | 2.84B | 2.19B | 29.76M | 3.58M | 942K |
| Total Equity | 10.29B | 10.39B | 9.07B | 7.6B | 7.09B | 8.45B | 3.35B | 2.2B | 949.03M | 384.07M | 353.57M | 337.14M | 305.18M | 288M | 274.44M |
| Equity Growth % | 48.3% | 14.5% | 19.42% | 7.16% | -16.1% | 152.2% | 52.3% | 131.81% | 147.1% | 8.63% | 4.87% | 10.47% | 5.96% | 4.94% | - |
| Equity / Assets (Capital Ratio) | 10.51% | 10.54% | 11.87% | 12.59% | 15.3% | 23.07% | 16.93% | 21.96% | 16.82% | 10.73% | 11.08% | 13.34% | 16.5% | 20.08% | 22.4% |
| Return on Equity (ROE) | 14.24% | 13.22% | 10.88% | 4.12% | -0.14% | -1.23% | 0.65% | 5.01% | 10.48% | 13.06% | 7.34% | 10.24% | 7.47% | 6.09% | 5.92% |
| Book Value per Share | 23.08 | 23.60 | 20.67 | 18.84 | 17.67 | 31.74 | 4.38 | 1.04 | 0.58 | 0.30 | 1.65 | 1.58 | 1.43 | 1.35 | 1.29 |
| Tangible BV per Share | 18.43 | 19.00 | 16.48 | 15.51 | 14.58 | 30.12 | 4.09 | 1.00 | 0.56 | 0.30 | 1.65 | 1.58 | 1.42 | 1.34 | 1.28 |
| Common Stock | 12.84K | 12.99K | 13K | 13K | 13K | 13K | 3.22B | 2.07B | 848.76M | 311.87M | 298.11M | 281.25M | 269.85M | 261.53M | 255.89M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.07B | 848.76M | 311.87M | 298.11M | 281.25M | 0 | 0 | 0 |
| Retained Earnings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 35.44M | 26.55M | 18.83M |
| Accumulated OCI | 10.07B | 10.16B | 8.9B | 7.47B | 6.99B | 2.66B | 202.97M | -1.94B | -748.31M | -238.37M | -241.05M | -224.98M | -107K | -20K | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -42.55M | -117.52M | 0 | -432K | -2.28M | -2M | -1.36M | 0 | -63K | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Credit Provisioning Volatility
According to recent financial statements, Inter & Co's total assets grew to $97.9 billion in 2026Q1, driven largely by a significant expansion in the investment securities portfolio, which reached $80.3 billion, signaling a strategic preference for liquid asset accumulation over rapid, unhedged loan book growth.
The bank's asset trajectory suggests a cautious approach to credit risk, prioritizing the build-up of a high-quality securities buffer. This strategy appears to provide the firm with necessary liquidity to navigate the volatile Brazilian interest rate environment while maintaining a stable capital base.
Based on reported figures, the equity-to-assets ratio has remained remarkably consistent at 0.11 throughout the 2025-2026 period, indicating that Inter & Co is successfully scaling its balance sheet while maintaining a stable regulatory capital buffer to support its ongoing expansion into new consumer credit segments.
The stability of the equity-to-assets ratio suggests that management is effectively balancing aggressive growth with the need to maintain regulatory compliance. Investors should monitor whether this capital efficiency can be sustained if the bank continues to increase its exposure to higher-risk, unsecured consumer lending products.
As disclosed in quarterly filings, the bank maintains a substantial liquidity position with $9.6 billion in cash and cash equivalents as of 2026Q1, complemented by a massive $80.3 billion securities portfolio that serves as the primary engine for managing short-term funding requirements and interest rate sensitivity.
The heavy reliance on a securities-heavy balance sheet implies that Inter & Co is positioning itself to capture yield while retaining the flexibility to pivot its liquidity profile. This structure appears to mitigate the risks associated with potential deposit volatility in the competitive Brazilian digital banking market.
Based on the company's reported financial data, the net interest margin has remained compressed at 1.8% in 2026Q1, suggesting that the bank's current asset-liability mix is highly sensitive to the prevailing SELIC rate environment and the competitive pressures inherent in the Brazilian retail banking sector.
The stagnation of NIM despite significant asset growth warrants further investigation into the bank's deposit beta and the cost of funding. It appears that the firm may be sacrificing margin to gain market share, a strategy that could face headwinds if interest rates remain elevated for an extended period.
Quick answers to the most common questions about buying INTR stock.
As of 2025, Inter & Co, Inc. (INTR) had total assets of $98.56B including $11.00B in current assets.
Inter & Co, Inc. (INTR) carries total debt of $29.63B. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Inter & Co, Inc. (INTR) has total shareholders' equity (book value) of $10.16B ($23.60 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Inter & Co, Inc. (INTR) reported a current ratio of 0.55x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.