Inter & Co, Inc. (INTR) stock analysis
Close on Nov 12, 2026Market cap $1.75BP/E 7.4Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Weak8 of 30 checks passed
Inter passes 8 of the 30 checks behind our score; 18 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 0/6
- Growth
- 3/6
- Past performance
- 4/6
- Financial health
- 1/6
- Dividend
- 0/6
What stands out
Earnings grew over 5 years
Net income grew 136% a year on average over the last five fiscal years.
Revenue growing 10%+ a year
Revenue grew 33.1% a year over the last three fiscal years.
Well capitalized
Equity is 10.3% of total assets; 8% or more is a comfortable cushion.
Growing faster than the industry
Revenue grew 31.3% over the last twelve months; the Commercial Banks median is 11.3%.
What to watch
Return on equity under 15%
Return on equity was 13.8% over the last twelve months and averaged 5.3% over five years; we look for 15% on both.
Earnings growth not accelerating
Net income grew 44.7% over the last twelve months, against a 5-year average of 136% a year.
Net margin below the industry
Inter's net margin of 15.6% is below the Commercial Banks median of 30.3%.
No dividend
Inter has not paid a dividend in the last twelve months.
Valuation0/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S against the industry
Not enough revenue data to compare.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth3/6
Revenue growing 10%+ a year
Revenue grew 33.1% a year over the last three fiscal years.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings growth not accelerating
Net income grew 44.7% over the last twelve months, against a 5-year average of 136% a year.
Growing faster than the industry
Revenue grew 31.3% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin improving
Gross margin was 97.8% over the last twelve months, against 97.8% a year earlier.
Past performance4/6
Return on equity under 15%
Return on equity was 13.8% over the last twelve months and averaged 5.3% over five years; we look for 15% on both.
Return on assets over 1%
Return on assets was 1.5%; for a bank or insurer, 1% or more is considered good.
Return on equity above the industry
Inter's return on equity of 13.8% is above the Commercial Banks median of 11.5%.
Earnings grew over 5 years
Net income grew 136% a year on average over the last five fiscal years.
Net margin above its 5-year average
Net margin was 15.6% over the last twelve months, against a 5-year average of 6.5%.
Net margin below the industry
Inter's net margin of 15.6% is below the Commercial Banks median of 30.3%.
Financial health1/6
Well capitalized
Equity is 10.3% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
Efficient operations
Needs non-interest expense and revenue.
Deposits growing
Needs deposits a year ago.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
Inter has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Inter. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
Low risk
- Average value traded per day
- $79.45M
- Value traded per 1% price move
- $12.49M
Downside
High risk
- Typical loss in a bad month
- 41.1%
- Volatility (annualized)
- 65%
- Sharpe ratio, 1 year
- -0.96
- Beta to the S&P 500 (5Y)
- 0.47
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2018 to 2025
Gross margin
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +31.3% | +33.1% | +52.7% | – | |
| Gross profit | +31.4% | +33.8% | – | – | |
| Net income | +44.7% | – | +136.0% | – | |
| EPS, diluted | +43.0% | – | +269.5% | – | |
| Free cash flow | +107.2% | +54.3% | +20.8% | – |
Returns and balance sheet
8 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2018 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 13.8% | |
| Return on assets | – | – | 1.5% | |
| Capex to revenue | – | 1.7% | 1.3% | |
| Diluted shares | – | 2.23B | 440M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Inter generated 21.23B BRL from operations and spent 806.14M BRL on capital expenditure, dividends and share buybacks. 33% of that went back into the business.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 15.6% | 0.10× | 9.18× | 13.8% |
| FY2024 | 14.2% | 0.09× | 8.36× | 11.1% |
| FY2023 | 6.4% | 0.09× | 7.38× | 4.2% |
| FY2022 | -0.3% | 0.09× | 8.60× | -0.2% |
| FY2021 | -3.3% | 0.08× | 9.53× | -2.5% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero1.31B BRL
- Cash generatingOperating cash flow above zero7.73B BRL
- Return on assets improvedROA up on the prior year1.5% → 1.7%
- Earnings backed by cashOperating cash flow above net income7.73B BRL vs 1.31B BRL
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise436M → 440M
- Gross margin improvedGross margin up on the prior year97.76% → 97.83%
- More efficientAsset turnover rose0.11 → 0.11
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