MODEL VERDICT
Inter & Co, Inc. (INTR)
Relative Valuation•Peer multiples, Monte Carlo simulation & quality-adjusted fair value
Popular:
Composite score derived from valuation, quality, and risk factors
Quantitative model thresholds · For educational and research purposes only
Each row records the model's monthly assessment. High Conviction = the model detected notable undervaluation vs peers. Neutral = no notable divergence was found. The return column shows the actual price change over 90 days for reference. This is a quantitative observation log — not investment advice.
| Date | Assessment | Score | Price | Status | 90d Fwd Return |
|---|---|---|---|---|---|
| May 1, 2026 | MODERATE | 0.66 | $7.52 | CURRENT | — |
| Apr 24, 2026 | MODERATE | 0.66 | $8.00 | CURRENT | — |
| Apr 17, 2026 | MODERATE | 0.66 | $8.42 | CURRENT | — |
| Apr 16, 2026 | MODERATE | 0.66 | $8.38 | CURRENT | — |
| Apr 10, 2026 | MODERATE | 0.66 | $8.21 | CURRENT | — |
Historical model observations for research purposes only. Past quantitative patterns do not predict future results. Not a recommendation to buy, sell, or hold any security.
| Methodology | Fair Value | vs Current | Weight | Quality | Status |
|---|---|---|---|---|---|
| Industry Median P/E 6 industry peers | $53.58 | +612.5% | 30% | A | Peer Data |
| Price / Book 7 industry peers | $135.93 | +1707.6% | 25% | B | Model Driven |
| Price / Tangible Book 7 bank peers | $131.75 | +1652.0% | 20% | B+ | Bank Primary |
| Dividend Yield 1 industry peers | $4.01 | -46.7% | 10% | B | Supplementary |
| Earnings Yield 7 industry peers | $59.35 | +689.2% | 8% | B | Data |
| Forward P/E 7 analyst estimates | $87.09 | +1058.1% | 7% | A- | Analyst Est. |
| Weighted Output Blended model output | $74.28 | +887.8% | 100% | 72 | SIGNIFICANTLY UNDERVALUED |
| EPS Growth ↓ | P/E Multiple → | 14× | 16× | 18× (Current) | 20× | 22× |
|---|---|---|---|---|---|
| Bear Case (49%) | $43 | $49 | $56 | $62 | $68 |
| Conservative (80%) | $52 | $60 | $67 | $75 | $82 |
| Base Case (123.2%) | $65 | $74 | $83 | $92 | $102 |
| Bull Case (166%) | $77 | $88 | $99 | $110 | $121 |
Cross-sectional regression predicting expected multiples based on growth, margins, ROIC, and beta.
| Multiple | Avg | Median | Min | Max | Std |
|---|---|---|---|---|---|
| P/FCF | 0.47 | 0.52 | 0.31 | 0.57 | 0.14 |
| P/FFO | 4.24 | 4.84 | 1.66 | 6.22 | 2.34 |
| P/TBV | 0.26 | 0.26 | 0.16 | 0.36 | 0.10 |
| P/AFFO | 4.81 | 5.04 | 1.79 | 7.60 | 2.91 |
| P/B Ratio | 0.21 | 0.20 | 0.13 | 0.29 | 0.08 |
| P/S Ratio | 0.22 | 0.19 | 0.17 | 0.29 | 0.07 |
Based on our peer multiples analysis with 15 valuation metrics, the model estimates INTR's fair value at $74.28 vs the current price of $7.52, implying +887.8% upside potential. Model verdict: Significantly Undervalued. Confidence: 72/100. This is a quantitative estimate, not a recommendation.
The blended fair value of $74.28 is calculated using four lenses: industry median multiples (40%), historical multiples (30%), forward estimates (20%), and quality-adjusted multiples (10%). Monte Carlo simulation (10,000 iterations) gives a range of $47.48 (P10) to $80.24 (P90), with a median of $63.52.
INTR's current P/E of 18.1x compares to the industry median of 25.9x (6 peers in the group). This represents a -30.1% discount to the industry. The historical average P/E is N/Ax over 0 years. Signal: Deep Discount.
6 analysts cover INTR with a consensus rating of Buy. The consensus price target is $12.00 (range: $12.00 — $12.00), implying +59.6% upside from the current price. Grade breakdown: Strong Buy (0), Buy (3), Hold (2), Sell (1), Strong Sell (0).
The model confidence score is 72/100, based on: data completeness (30), peer quality (25), historical depth (10), earnings stability (5), and model agreement (2). Cyclicality penalty: -0 points. The model shows strong agreement across inputs.
The model flags several key risks: (1) Margin reversion: Current net margin of 9.3% is 5.1 percentage points above the 7-year average (4.3%), with a Z-score of +1.1σ. If margins normalize, fair value could drop to ~$17. (2) Macro/regulatory risks are not captured in this model but remain material.
Peak earnings risk refers to the possibility that INTR's current profitability is above its sustainable long-term trend. The model detects a margin Z-score of +1.1σ, meaning margins are 1.1 standard deviations above their historical average. If margins revert to the 7-year mean (4.3%), the model estimates fair value drops by 12820.0% to approximately $17. This isn't a prediction — it's a scenario analysis.
No. This dashboard is a quantitative research tool for educational and informational purposes only. It is not investment advice, a solicitation, or a recommendation to buy, sell, or hold any security. The operator of this platform is not a registered investment advisor (RIA), broker-dealer, or financial planner. All model outputs, fair value estimates, signals, and scenarios are the result of automated quantitative computations and should not be construed as professional financial guidance. You should consult a qualified, licensed financial advisor before making any investment decisions. Past model performance is not indicative of future results.