Inter & Co, Inc.

Inter & Co, Inc.

INTR
Inter & Co, Inc.US flagNASDAQ Global Select
6.00
USD
-0.17
- -
2.65BMarket Cap
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.1
0.11
2.1
5.41
0.36
0.5
0.87
8.88
11.83
14.68
19.08
20.45
Basic EPS, GAAP
0.01
0.01
0.34
0.8
0.04
0.01
-0.03
-0.03
0.75
2.08
2.98
3.23
Free Cash Flow per Basic Share
0.03
0.17
0.12
6.6
0.37
1.27
-0.08
4.55
18.09
7.45
16.26
16.49
Dividend per Share
- -
- -
- -
- -
- -
0.02
- -
0.09
- -
0.16
0.46
0.66
Book Value per Share
0.11
0.12
2.21
9.74
0.98
1.44
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
0.13
0.14
2.71
10.59
1
1.4
3.16
14.58
15.56
16.6
19.01
18.88
Basic Weighted Avg Shares
2,568
2,568
141
87
2,117
2,234
2,541
401
402
436
440
440
Sales/Revenue/Turnover
249
273
296
472
754
1,121
2,222
3,563
4,753
6,400
8,401
9,004
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
1
1
3
14
44
58
164
160
209
341
367
Net Income, GAAP
33
25
48
70
79
18
-73
-11
302
907
1,312
1,421
Effective Tax Rate (%)
25.56
11.11
9.98
25.61
1.85
- -
- -
- -
19.91
19.3
13.97
13.52
Profit Margin (%)
13.19
9.3
16.28
14.81
10.47
1.6
-3.27
-0.31
6.36
14.17
15.62
15.78
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
39
37
622
597
1,760
1,757
3,734
6,385
8,317
10,132
15,059
15,526
Total Equity
337
354
384
949
2,200
3,350
8,450
7,089
7,597
9,072
10,393
10,414
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
8.75
15.79
12.03
5.41
0.68
-4.52
-85,307.69
2,325,715.38
6,977,938.46
10,095,307.69
10,928,123.08

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
6
5
320
LT Borrowings
12,919
14,945
15,418
LT Finance Leases
114
114
108
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
440
441
441
Market Capitalization
21,632
20,485
18,239

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
32,400
15,500
15,353
Accounts Receivable, Net
290
288
311
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
11,853
12,804
12,267
ST Debt
6
5
320
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
52.19%
35.45%
14.56%
Free Cash Flow
309.4%
-154.51%
120.33%
Net Income, GAAP
-312.43%
-634.4%
44.67%
Sales/Revenue/Turnover
44.37%
51.58%
31.26%
Total Cash Common Dividend
- -
- -
195.86%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,401
1,479
1,676
1,844
6,400
2025
1,838
2,003
2,162
2,398
8,401
2026
2,441
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.43
0.48
0.56
- -
2.08
2025
0.65
0.72
0.76
- -
2.98
2026
0.89
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.01
0.15
- -
- -
0.16
2025
0.47
-0.01
- -
- -
0.46
2026
0.67
- -
- -
- -
- -

Company Description

APIChat
CEO
Joao Vitor Nazareth Menin Teixeira de Souza
Full Time Employees
4,030
Sector
Financial Services
Industry
Banks - Regional
Address
Avenida Barbacena, No. 1.219 Belo Horizonte MG Brazil 30190-131
IPO Date
Jun 23, 2022
Business
Inter & Co, Inc. (INTR) operates as a leading digital financial super app and holding company providing comprehensive banking, investment, insurance, and marketplace services primarily to individuals and businesses across the Americas. The company offers banking and spending products including checking accounts, debit and credit cards, deposits, loans and advances such as real estate, payroll, corporate, rural, and SME credit, debt collection, foreign exchange, and global digital account solutions; investment services encompassing acquisition, sale and custody of securities, securities structuring and distribution, and fund portfolio management; insurance brokerage covering warranties, life, property, automobile insurance, pensions, and consortium products; and a digital marketplace for goods and services featuring top retailers from Brazil and the United States with shopping discounts and cashback rewards. Inter & Co serves over 40 million customers through its mobile application, targeting retail consumers, small and medium enterprises, and corporations in the banking, fintech, and e-commerce sectors. Founded in 1994 and headquartered in Belo Horizonte, Brazil, with U.S. operations based in Miami, Florida, the company maintains primary geographic focus on Brazil and expanding presence in the United States. Recent developments include the May 2024 acquisition by subsidiary Banco Inter S.A. of the remaining 50% stake in Granito, a merchant acquirer serving over 100,000 Brazilian SMEs, to enhance payment processing, operational synergies, and cross-selling opportunities; the February 2025 acquisition of real estate investment startup YellowFi to expand alternative investment offerings; leadership changes in July 2024 with Alexandre Riccio appointed CEO of Inter&Co Brazil and João Vitor Menin transitioning to Global CEO; and reporting record net income of R$973 million for 2024, reflecting an ROE of 11.7% amid client growth to over 36 million. These initiatives strengthen Inter & Co's position as a full-service digital platform integrating financial and lifestyle solutions.

Company News

APIChat
  • Inter Sets the Rule of 50 as the Company’s North Star

  • Inter Sets the Rule of 50 as the Company's North Star

  • Inter & Co. Sets ‘Rule of 50' Target as Digital Bank Pushes Growth, ROE Gains

  • Down 21% in 4 Weeks, Here's Why You Should You Buy the Dip in Inter & Co. Inc. (INTR)

  • Inter & Co, Inc. (INTR) Q1 2026 Earnings Call Transcript

  • Inter Q1: This Is The Definition Of Market Irrationality

  • INTR vs. AXP: Which Stock Should Value Investors Buy Now?

  • Inter & Co. Inc. (INTR) Matches Q1 Earnings Estimates

  • Inter&Co Delivers Record First Quarter, Surpassing 44 Million Clients and R$50 Billion (US$9.5B) in Credit as AI-Powered Super App Strategy Accelerates

  • Intrepid Metals Extends Tombstone South Option Agreement

  • Leocor Mining Mails Meeting Materials in Connection with Plan of Arrangement

  • Inter & Co. Inc. (INTR) Earnings Expected to Grow: Should You Buy?

  • Intrepid Metals Launches Phase 1 Exploration Program; Continued Strong Warrant Exercise Participation

  • Does Inter & Co. Inc. (INTR) Have the Potential to Rally 30.38% as Wall Street Analysts Expect?

  • Inter & Co. Inc. (INTR) Upgraded to Buy: Here's What You Should Know

  • INTR or UPST: Which Is the Better Value Stock Right Now?

  • Intrepid Metals Announces Integrated 2026 Exploration Program Targeting Porphyry and CRD Mineralization at Corral Copper

  • Inter & Co. Inc. (INTR) Moves 5.2% Higher: Will This Strength Last?

  • Leocor Mining Inc. Proposes Pro Rata Distribution of Intrepid Metals Corp. Shares to Shareholders

  • Leocor Mining Inc. Announces Exercise of Intrepid Metals Corp. Warrants