(INTR) Inter & Co. Common Shares - Ratings and Ratios
Banking, Cards, Loans, Investments, Insurance
INTR EPS (Earnings per Share)
INTR Revenue
Description: INTR Inter & Co. Common Shares
Inter & Co, Inc. is a Brazilian conglomerate with diverse business segments, including Banking & Spending, Investments, Insurance Brokerage, and Inter Shop. The companys banking segment provides a range of financial services, including checking accounts, cards, and loans, while its investment segment offers securities acquisition, custody, and management. The insurance brokerage segment provides various insurance products, and the Inter Shop segment operates an e-commerce platform.
To evaluate the companys performance, we can look at key performance indicators (KPIs) such as revenue growth, net income margin, and return on equity (RoE). With a reported RoE of 11.57%, Inter & Co, Inc. demonstrates a decent return on shareholders equity. Additionally, we can analyze the companys debt-to-equity ratio, which is not provided, but can be calculated using the available financial data. A lower debt-to-equity ratio would indicate a healthier balance sheet.
Inter & Co, Inc.s diverse business segments and presence in Brazils financial services market present opportunities for growth. The companys e-commerce platform, Inter Shop, is also a significant contributor to its revenue. To further assess the companys prospects, we can examine its customer acquisition costs, customer retention rates, and the overall competitive landscape of the Brazilian financial services market.
From a valuation perspective, Inter & Co, Inc.s price-to-earnings (P/E) ratio of 16.37 and forward P/E of 11.07 suggest that the stock may be undervalued, considering its growth prospects. However, a more detailed analysis of the companys earnings quality, revenue growth, and industry trends is necessary to confirm this assessment.
INTR Stock Overview
| Market Cap in USD | 3,679m |
| Sub-Industry | Trading Companies & Distributors |
| IPO / Inception | 2022-06-23 |
INTR Stock Ratings
| Growth Rating | 75.0% |
| Fundamental | 61.7% |
| Dividend Rating | 49.4% |
| Return 12m vs S&P 500 | 5.99% |
| Analyst Rating | 4.10 of 5 |
INTR Dividends
| Dividend Yield 12m | 1.04% |
| Yield on Cost 5y | 2.35% |
| Annual Growth 5y | 63.30% |
| Payout Consistency | 100.0% |
| Payout Ratio | 17.8% |
INTR Growth Ratios
| Growth Correlation 3m | 68.1% |
| Growth Correlation 12m | 60.5% |
| Growth Correlation 5y | 84.2% |
| CAGR 5y | 29.78% |
| CAGR/Max DD 3y | 0.44 |
| CAGR/Mean DD 3y | 1.85 |
| Sharpe Ratio 12m | 0.58 |
| Alpha | 0.00 |
| Beta | 0.987 |
| Volatility | 40.53% |
| Current Volume | 2995.4k |
| Average Volume 20d | 2026.8k |
| Stop Loss | 8.6 (-3.9%) |
| Signal | 0.60 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (1.12b TTM) > 0 and > 6% of Revenue (6% = 704.5m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.31pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -261.1% (prev -269.1%; Δ 7.97pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.10 (>3.0%) and CFO 8.11b > Net Income 1.12b (YES >=105%, WARN >=100%) |
| Net Debt (7.70b) to EBITDA (1.63b) ratio: 4.71 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.49 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (443.8m) change vs 12m ago 1.89% (target <= -2.0% for YES) |
| Gross Margin 45.00% (prev 54.06%; Δ -9.06pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 15.52% (prev 11.63%; Δ 3.89pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.31 (EBITDA TTM 1.63b / Interest Expense TTM 4.38b) >= 6 (WARN >= 3) |
Altman Z'' -2.12
| (A) -0.36 = (Total Current Assets 29.90b - Total Current Liabilities 60.56b) / Total Assets 84.73b |
| (B) 0.00 = Retained Earnings (Balance) 67.1m / Total Assets 84.73b |
| (C) 0.02 = EBIT TTM 1.38b / Avg Total Assets 75.65b |
| (D) 0.12 = Book Value of Equity 9.29b / Total Liabilities 75.35b |
| Total Rating: -2.12 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 61.66
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 13.63% = 5.0 |
| 3. FCF Margin 7.91% = 1.98 |
| 4. Debt/Equity 1.62 = 1.31 |
| 5. Debt/Ebitda 9.21 = -2.50 |
| 6. ROIC - WACC (= -3.09)% = -3.86 |
| 7. RoE 12.51% = 1.04 |
| 8. Rev. Trend 97.81% = 7.34 |
| 9. EPS Trend 86.86% = 4.34 |
What is the price of INTR shares?
Over the past week, the price has changed by +2.17%, over one month by +9.15%, over three months by +19.17% and over the past year by +25.84%.
Is Inter & Co. Common Shares a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of INTR is around 9.41 USD . This means that INTR is currently overvalued and has a potential downside of 5.14%.
Is INTR a buy, sell or hold?
- Strong Buy: 5
- Buy: 3
- Hold: 1
- Sell: 0
- Strong Sell: 1
What are the forecasts/targets for the INTR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 8.4 | -6.4% |
| Analysts Target Price | 8.4 | -6.4% |
| ValueRay Target Price | 10.5 | 17.5% |
Last update: 2025-09-04 04:40
INTR Fundamental Data Overview
CCE Cash And Equivalents = 27.79b BRL (Cash And Short Term Investments, last quarter)
P/E Trailing = 17.7872
P/E Forward = 10.4603
P/S = 0.6926
P/B = 2.1525
Beta = 1.132
Revenue TTM = 11.74b BRL
EBIT TTM = 1.38b BRL
EBITDA TTM = 1.63b BRL
Long Term Debt = 11.95b BRL (from longTermDebt, last quarter)
Short Term Debt = 3.09b BRL (from shortTermDebt, last quarter)
Debt = 15.04b BRL (Calculated: Short Term 3.09b + Long Term 11.95b)
Net Debt = 7.70b BRL (from netDebt column, last quarter)
Enterprise Value = 6.82b BRL (19.56b + Debt 15.04b - CCE 27.79b)
Interest Coverage Ratio = 0.31 (Ebit TTM 1.38b / Interest Expense TTM 4.38b)
FCF Yield = 13.63% (FCF TTM 929.1m / Enterprise Value 6.82b)
FCF Margin = 7.91% (FCF TTM 929.1m / Revenue TTM 11.74b)
Net Margin = 9.54% (Net Income TTM 1.12b / Revenue TTM 11.74b)
Gross Margin = 45.00% ((Revenue TTM 11.74b - Cost of Revenue TTM 6.46b) / Revenue TTM)
Tobins Q-Ratio = 0.73 (Enterprise Value 6.82b / Book Value Of Equity 9.29b)
Interest Expense / Debt = 9.47% (Interest Expense 1.42b / Debt 15.04b)
Taxrate = 19.30% (232.7m / 1.21b)
NOPAT = 1.11b (EBIT 1.38b * (1 - 19.30%))
Current Ratio = 0.49 (Total Current Assets 29.90b / Total Current Liabilities 60.56b)
Debt / Equity = 1.62 (Debt 15.04b / last Quarter total Stockholder Equity 9.29b)
Debt / EBITDA = 9.21 (Net Debt 7.70b / EBITDA 1.63b)
Debt / FCF = 16.19 (Debt 15.04b / FCF TTM 929.1m)
Total Stockholder Equity = 8.95b (last 4 quarters mean)
RoA = 1.32% (Net Income 1.12b, Total Assets 84.73b )
RoE = 12.51% (Net Income TTM 1.12b / Total Stockholder Equity 8.95b)
RoCE = 6.58% (Ebit 1.38b / (Equity 8.95b + L.T.Debt 11.95b))
RoIC = 5.69% (NOPAT 1.11b / Invested Capital 19.51b)
WACC = 8.78% (E(19.56b)/V(34.60b) * Re(9.65%)) + (D(15.04b)/V(34.60b) * Rd(9.47%) * (1-Tc(0.19)))
Shares Correlation 3-Years: 84.85 | Cagr: 0.87%
Discount Rate = 9.65% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.40% ; FCFE base≈767.7m ; Y1≈947.0m ; Y5≈1.62b
Fair Price DCF = 63.98 (DCF Value 20.67b / Shares Outstanding 323.0m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 86.86 | EPS CAGR: 188.9% | SUE: 0.0 | # QB: 0
Revenue Correlation: 97.81 | Revenue CAGR: 66.01% | SUE: N/A | # QB: None
Additional Sources for INTR Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle