Inter & Co, Inc. (INTR) Financial Ratios
14 years of historical data (2012–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
16.11
↑+91% vs avg
5yr avg: 8.43
30Y Low4.9·High11.6
P/FCF
↑
4.14
↑+526% vs avg
5yr avg: 0.66
30Y Low0.3·High1.2
P/B Ratio
↑
1.19
↑+380% vs avg
5yr avg: 0.25
30Y Low0.1·High0.4
ROE
↑
13.2%
↓+146% vs avg
5yr avg: 5.4%
30Y Low-1%·High13%
Debt/EBITDA
↓
15.38
+17% vs avg
5yr avg: 13.11
30Y Low0.8·High19.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
INTR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Inter & Co, Inc. trades at 9.7x earnings, 135% above its 5-year average of 4.1x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 29%. On a free-cash-flow basis, the stock trades at 4.1x P/FCF, 526% above the 5-year average of 0.7x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2.4B | $3.7B | $1.9B | $2.2B | $951M | — | — | — | — | — | — |
| Enterprise Value | $6.0B | $22.4B | $6.9B | $5.3B | $3.4B | — | — | — | — | — | — |
| P/E Ratio → | 9.69 | 2.92 | 2.04 | 7.41 | — | — | — | — | — | — | — |
| P/S Ratio | 0.85 | 0.26 | 0.19 | 0.29 | 0.17 | — | — | — | — | — | — |
| P/B Ratio | 1.19 | 0.36 | 0.20 | 0.30 | 0.13 | — | — | — | — | — | — |
| P/FCF | 4.14 | 1.24 | 0.57 | 0.31 | 0.52 | — | — | — | — | — | — |
| P/OCF | 3.99 | 1.20 | 0.49 | 0.30 | 0.45 | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
INTR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Inter & Co, Inc.'s enterprise value stands at 16.1x EBITDA, 91% above its 5-year average of 8.4x. The Financial Services sector median is 11.4x, placing the stock at a 41% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.53 | 0.71 | 0.69 | 0.61 | — | — | — | — | — | — |
| EV / EBITDA | 16.11 | 11.61 | 4.86 | 8.82 | — | — | — | — | — | — | — |
| EV / EBIT | 19.49 | 14.05 | 5.70 | 12.04 | — | — | — | — | — | — | — |
| EV / FCF | — | 7.46 | 2.11 | 0.73 | 1.86 | — | — | — | — | — | — |
INTR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Inter & Co, Inc. earns an operating margin of 10.9%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 5.8% to 10.9% over the past 3 years, signaling improving operational efficiency. ROE of 13.2% is modest. ROIC of 3.9% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 42.4% | 42.4% | 47.4% | 42.0% | 44.8% | 58.8% | 100.0% | 64.1% | 64.7% | 47.2% | 31.4% |
| Operating Margin | 10.9% | 10.9% | 12.4% | 5.8% | -3.2% | -8.4% | 7.0% | 8.2% | 13.6% | 10.4% | 4.9% |
| Net Profit Margin | 8.8% | 8.8% | 9.3% | 4.0% | -0.2% | -2.6% | 1.6% | 7.8% | 10.1% | 8.4% | 4.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.2% | 13.2% | 10.9% | 4.1% | -0.1% | -1.2% | 0.6% | 5.0% | 10.5% | 13.1% | 7.3% |
| ROA | 1.5% | 1.5% | 1.3% | 0.6% | -0.0% | -0.3% | 0.1% | 1.0% | 1.5% | 1.4% | 0.9% |
| ROIC | 3.9% | 3.9% | 4.8% | 2.0% | -0.9% | -1.9% | 1.3% | 2.2% | 5.5% | 6.4% | 5.7% |
| ROCE | 3.2% | 3.2% | 6.0% | 2.7% | -1.3% | -2.5% | 1.6% | 2.3% | 3.8% | 3.3% | 1.9% |
INTR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Inter & Co, Inc. carries a Debt/EBITDA ratio of 15.4x, which is highly leveraged (261% above the sector average of 4.3x). Net debt stands at $18.6B ($29.6B total debt minus $11.0B cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.85 | 2.85 | 1.31 | 1.23 | 1.17 | 0.56 | 0.55 | 0.88 | 0.63 | 1.62 | 0.11 |
| Debt / EBITDA | 15.38 | 15.38 | 8.38 | 15.55 | — | — | 15.19 | 19.84 | 6.20 | 10.19 | 1.23 |
| Net Debt / Equity | — | 1.79 | 0.55 | 0.40 | 0.34 | -0.02 | -0.76 | -0.83 | -1.25 | 0.15 | -1.40 |
| Net Debt / EBITDA | 9.67 | 9.67 | 3.55 | 5.08 | — | — | -20.77 | -18.87 | -12.32 | 0.97 | -16.31 |
| Debt / FCF | — | 6.21 | 1.54 | 0.42 | 1.34 | — | -0.90 | -2.34 | -2.07 | 3.47 | -1.12 |
| Interest Coverage | 0.27 | 0.27 | 0.36 | 0.15 | -0.09 | -0.43 | -0.25 | 0.33 | 0.43 | 0.22 | 0.09 |
INTR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.55x is below 1.0, meaning current liabilities exceed current assets — though the company's $11.0B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.55 | 0.55 | 0.54 | 0.52 | 0.52 | 0.70 | 0.83 | 0.86 | 0.81 | 0.62 | 0.57 |
| Quick Ratio | 0.55 | 0.55 | 0.54 | 0.52 | 0.52 | 0.70 | 0.83 | 0.86 | 0.81 | 0.62 | 0.57 |
| Cash Ratio | 0.55 | 0.55 | 0.13 | 0.15 | 0.19 | 0.21 | 0.31 | 0.65 | 0.67 | 0.35 | 0.35 |
| Asset Turnover | — | 0.15 | 0.13 | 0.13 | 0.12 | 0.08 | 0.06 | 0.10 | 0.12 | 0.16 | 0.19 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
INTR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Inter & Co, Inc. returns 2.1% to shareholders annually — split between a 1.9% dividend yield and 0.2% buyback yield. The payout ratio of 18.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 10.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 18.6% | 18.6% | 7.6% | — | — | — | 211.4% | — | — | — | 29.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.3% | 34.2% | 49.1% | 13.5% | — | — | — | — | — | — | — |
| FCF Yield | 24.2% | 80.3% | 175.4% | 324.4% | 191.9% | — | — | — | — | — | — |
| Buyback Yield | 0.2% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 2.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $440M | $439M | $403M | $401M | $266M | $764M | $2.1B | $1.6B | $1.3B | $214M |
Peer Comparison
Compare INTR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 INTRYou | $2B | 9.7 | 16.1 | 4.1 | 42.4% | 10.9% | 13.2% | 3.9% | 15.4 |
 NU | $62B | 21.9 | 13.1 | 17.6 | 44.8% | 24.4% | 30.2% | 23.1% | 1.3 |
 PAGS | $3B | 6.5 | 6.2 | 8.5 | 50.6% | 37.5% | 14.2% | 9.8% | 4.9 |
 STNE | $3B | 6.6 | 3.1 | — | 76.2% | 51.4% | 19.6% | 24.7% | 2.1 |
 MELI | $83B | 41.5 | 24.0 | 7.7 | 44.5% | 11.1% | 36.0% | 20.8% | 3.0 |
 SOFI | $23B | 45.9 | 26.0 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 DAVE | $4B | 23.2 | 87.7 | 14.6 | 79.8% | 8.0% | 73.1% | 11.1% | 1.6 |
 AFRM | $25B | 492.8 | 225.8 | 40.9 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 V | $628B | 32.1 | 25.1 | 29.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $434B | 29.6 | 21.5 | 25.6 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 PYPL | $37B | 7.9 | 5.6 | 6.7 | 46.6% | 18.3% | 25.7% | 15.0% | 1.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 14 years · Updated daily
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INTR — Frequently Asked Questions
Quick answers to the most common questions about buying INTR stock.
What is Inter & Co, Inc.'s P/E ratio?
Inter & Co, Inc.'s current P/E ratio is 9.7x. The historical average is 4.1x. This places it at the 100th percentile of its historical range.
What is Inter & Co, Inc.'s EV/EBITDA?
Inter & Co, Inc.'s current EV/EBITDA is 16.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.4x.
What is Inter & Co, Inc.'s ROE?
Inter & Co, Inc.'s return on equity (ROE) is 13.2%. The historical average is 6.7%.
Is INTR stock overvalued?
Based on historical data, Inter & Co, Inc. is trading at a P/E of 9.7x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Inter & Co, Inc.'s dividend yield?
Inter & Co, Inc.'s current dividend yield is 1.93% with a payout ratio of 18.6%.
What are Inter & Co, Inc.'s profit margins?
Inter & Co, Inc. has 42.4% gross margin and 10.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Inter & Co, Inc. have?
Inter & Co, Inc.'s Debt/EBITDA ratio is 15.4x, indicating high leverage. A ratio above 4x may signal elevated financial risk.