INTR Stock Analysis: Inter & Co. Common Shares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.726m USD | 12M Return: -59.3% | KYG4R20B1074 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 63.7M
EPS Trend: 98.0%
Qual. Beats: 2
Rev. Trend: 98.8%
Qual. Beats: 4
Warnings
Tailwinds
Seasonality 4.4 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Inter & Co, Inc. (NASDAQ: INTR) is a Brazilian-headquartered digital financial services company that operates banking, investments, insurance brokerage, and e-commerce businesses primarily in Brazil, with a presence in the United States. Founded in 1994 and based in Belo Horizonte, the company went public on NASDAQ in June 2022 and is classified by GICS under the Industrials sector, Trading Companies & Distributors sub-industry.
The companys business model centers on a digital super-app ecosystem, offering checking accounts, cards, deposits, loans, foreign exchange, and global account solutions alongside securities brokerage, fund management, and a range of insurance products including life, property, auto, pension, and consortium offerings. It also sells goods and services through its own digital marketplace, reflecting a strategy common among Brazilian fintechs of bundling multiple financial and commerce services into a single integrated platform.
- Brazil rate cuts pressure net interest margin
- Loan portfolio expansion lifts credit income
- Nubank competition pressures Brazilian digital banking share
| Net Income: 1.54b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -9.58 > 1.0 |
| NWC/Revenue: -124.1% < 20% (prev -261.1%; Δ 137.0% < -1%) |
| CFO/TA -0.03 > 3% & CFO -2.57b > Net Income 1.54b |
| Net Debt (22.3b) to EBITDA (2.28b): 9.77 < 3 |
| Current Ratio: 0.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (447.8m) vs 12m ago 0.89% < -2% |
| Gross Margin: 40.41% > 18% (prev 45.00%; Δ -4.59% > 0.5%) |
| Asset Turnover: 17.83% > 50% (prev 13.86%; Δ 3.97% > 0%) |
| Interest Coverage Ratio: 0.27 > 6 (EBIT TTM 1.88b / Interest Expense TTM 6.98b) |
| DSRI: 0.17 (Receivables 332.9m/1.39b, Revenue 16.7b/11.7b) |
| GMI: 1.11 (GM 45.00% / 40.41%) |
| AQI: 1.39 (AQ_t 0.90 / AQ_t-1 0.64) |
| SGI: 1.42 (Revenue 16.7b / 11.7b) |
| TATA: 0.04 (NI 1.54b - CFO -2.57b) / TA 103b) |
| Beneish M = -3.07 (Cap -4..+1) = AA |
As of November 12, 2026, the stock is trading at USD 4.03 with a total of 11,723,418 shares traded. Over the past week, the price has changed by +1.77%, over one month by -47.93%, over three months by -22.50% and over the past year by -59.27%.
Current recommended Stop Loss: 3.50 (which is 13.2% or 1.4 ATR below the current price).
Inter & Co. Common Shares has received a consensus analysts rating of 4.09. Therefore, it is recommended to buy INTR.
- StrongBuy: 6
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 9.2 | 127.3% |
Market Cap BRL = 9.64b (1.73b USD * 5.5827 USD.BRL)
P/E Trailing = 6.0154
P/E Forward = 10.7875
P/S = 0.2591
P/B = 0.922
Revenue TTM = 16.7b BRL
EBIT TTM = 1.88b BRL
EBITDA TTM = 2.28b BRL
Long Term Debt = 16.4b BRL (from longTermDebt, last quarter)
Short Term Debt = 31.1b BRL (from shortTermDebt, last quarter)
Debt = 32.7b BRL (from shortLongTermDebtTotal, last quarter) + Leases 107.7m
Net Debt = 22.3b BRL (calculated: Debt 32.7b - CCE 10.4b)
Enterprise Value = 31.9b BRL (9.64b + Debt 32.7b - CCE 10.4b)
Interest Coverage Ratio = 0.27 (Ebit TTM 1.88b / Interest Expense TTM 6.98b)
EV/FCF = -12.05x (Enterprise Value 31.9b / FCF TTM -2.65b)
FCF Yield = -8.30% (FCF TTM -2.65b / Enterprise Value 31.9b)
FCF Margin = -15.86% (FCF TTM -2.65b / Revenue TTM 16.7b)
Net Margin = 9.19% (Net Income TTM 1.54b / Revenue TTM 16.7b)
Gross Margin = 40.41% ((Revenue TTM 16.7b - Cost of Revenue TTM 9.96b) / Revenue TTM)
Gross Margin QoQ = 40.72% (prev 39.59%)
Tobins Q-Ratio = 0.31 (Enterprise Value 31.9b / Total Assets 103b)
Interest Expense / Debt = 21.34% (Interest Expense 6.98b / Debt 32.7b)
Taxrate = 13.33% (250.9m / 1.88b)
NOPAT = 1.63b (EBIT 1.88b * (1 - 13.33%))
Current Ratio = 0.33 (Total Current Assets 10.4b / Total Current Liabilities 31.1b)
Debt / Equity = 3.11 (Debt 32.7b / totalStockholderEquity, last quarter 10.5b)
Debt / EBITDA = 9.77 (Net Debt 22.3b / EBITDA 2.28b)
Debt / FCF = -8.41 (negative FCF - burning cash) (Net Debt 22.3b / FCF TTM -2.65b)
Total Stockholder Equity = 10.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.64% (Net Income 1.54b / Total Assets 103b)
RoE = 15.20% (Net Income TTM 1.54b / Total Stockholder Equity 10.1b)
RoCE = 7.09% (EBIT 1.88b / Capital Employed (Equity 10.1b + L.T.Debt 16.4b))
RoIC = 1.60% (NOPAT 1.63b / Invested Capital 102b)
WACC = 16.49% (E(9.64b)/V(42.3b) * Re(9.71%) + D(32.7b)/V(42.3b) * Rd(21.34%) * (1-Tc(0.13)))
Discount Rate = 9.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.89 | Cagr: 2.24%
[DCF] Fair Price = unknown (Cash Flow -2.65b)
EPS Correlation: 98.02 | EPS CAGR: 69.34% | SUE: 2.83 | # QB: 2
Revenue Correlation: 98.79 | Revenue CAGR: 42.38% | SUE: 1.18 | # QB: 4
EPS current Quarter (2026-09-30): EPS=0.19 | Chg30d=+1.55% | Revisions=+25% | Analysts=7
EPS current Year (2026-12-31): EPS=0.77 | Chg30d=+1.80% | Revisions=+40% | GrowthEPS=+34.9% | GrowthRev=+27.6%
EPS next Year (2027-12-31): EPS=0.94 | Chg30d=+1.87% | Revisions=-17% | GrowthEPS=+22.3% | GrowthRev=+20.1%
[Analyst] Revisions Ratio: +22% (up=4, down=2)