(INTR) Inter & Co. Common Shares - Ratings and Ratios
Banking, Cards, Loans, Insurance, Investments
INTR EPS (Earnings per Share)
INTR Revenue
Description: INTR Inter & Co. Common Shares November 08, 2025
Inter & Co., Inc. (NASDAQ: INTR) is a Brazil-based financial services firm that operates across banking, investment, insurance brokerage, and digital commerce segments in both Brazil and the United States. Its banking franchise offers checking accounts, cards, deposits, loans, foreign-exchange services, and a global-account digital platform, while its investment arm handles securities acquisition, custody, structuring, and fund-portfolio management. The company also distributes insurance products (life, property, auto, warranties), pension solutions, and consortium offerings, and it runs a digital marketplace for goods and services.
Key metrics (as of the most recent filing) show total assets of roughly US$ 2.1 billion, a loan-to-deposit ratio near 78 % (indicating moderate liquidity risk), and an insurance premium growth rate of about 12 % YoY, driven by Brazil’s expanding middle class and rising vehicle ownership. The firm’s performance is sensitive to Brazil’s interest-rate environment-higher Selic rates tend to boost net interest margins but can suppress loan demand-and to currency volatility, which affects its U.S. operations and cross-border transactions.
Sector-wide, fintech adoption in Brazil is accelerating, with digital banking accounts growing at double-digit rates; this macro trend provides a tailwind for Inter & Co.’s digital platform and its integrated banking-insurance model.
For a deeper, data-driven assessment of INTR’s valuation and risk profile, you may find additional insights on ValueRay.
INTR Stock Overview
| Market Cap in USD | 4,163m |
| Sub-Industry | Trading Companies & Distributors |
| IPO / Inception | 2022-06-23 |
INTR Stock Ratings
| Growth Rating | 94.9% |
| Fundamental | 58.7% |
| Dividend Rating | 18.7% |
| Return 12m vs S&P 500 | 37.0% |
| Analyst Rating | 4.10 of 5 |
INTR Dividends
| Dividend Yield 12m | 0.85% |
| Yield on Cost 5y | 2.35% |
| Annual Growth 5y | 0.00% |
| Payout Consistency | 100.0% |
| Payout Ratio | 22.2% |
INTR Growth Ratios
| Growth Correlation 3m | 80.7% |
| Growth Correlation 12m | 90.8% |
| Growth Correlation 5y | 86.2% |
| CAGR 5y | 60.42% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.22 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.25 |
| Sharpe Ratio 12m | -0.09 |
| Alpha | 26.06 |
| Beta | 1.140 |
| Volatility | 41.14% |
| Current Volume | 2672.8k |
| Average Volume 20d | 2358.5k |
| Stop Loss | 9.1 (-3.8%) |
| Signal | -0.14 |
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) |
ValueRay F-Score (Strict, 0-100) 58.74
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield 9.70% = 4.85 |
| 3. FCF Margin 7.91% = 1.98 |
| 4. Debt/Equity 1.63 = 1.30 |
| 5. Debt/Ebitda 4.71 = -2.50 |
| 6. ROIC - WACC (= -3.27)% = -4.08 |
| 7. RoE 12.51% = 1.04 |
| 8. Rev. Trend 97.81% = 7.34 |
| 9. EPS Trend 36.39% = 1.82 |
What is the price of INTR shares?
Over the past week, the price has changed by +0.96%, over one month by +10.39%, over three months by +21.91% and over the past year by +55.39%.
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 11.70 USD . This means that INTR is currently undervalued and has a potential upside of +23.68% (Margin of Safety).
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 | 8.8 | -6.7% |
| Analysts Target Price | 8.8 | -6.7% |
| ValueRay Target Price | 13.2 | 39% |
INTR Fundamental Data Overview November 08, 2025
P/E Trailing = 20.1277
P/E Forward = 10.7875
P/S = 0.7837
P/B = 2.2199
Beta = 1.14
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 = 15.16b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.70b BRL (from netDebt column, last quarter)
Enterprise Value = 9.58b BRL (22.20b + Debt 15.16b - CCE 27.79b)
Interest Coverage Ratio = 0.31 (Ebit TTM 1.38b / Interest Expense TTM 4.38b)
FCF Yield = 9.70% (FCF TTM 929.1m / Enterprise Value 9.58b)
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)
Gross Margin QoQ = 41.84% (prev 42.98%)
Tobins Q-Ratio = 0.11 (Enterprise Value 9.58b / Total Assets 84.73b)
Interest Expense / Debt = 9.39% (Interest Expense 1.42b / Debt 15.16b)
Taxrate = 13.39% (51.4m / 383.5m)
NOPAT = 1.19b (EBIT 1.38b * (1 - 13.39%))
Current Ratio = 0.49 (Total Current Assets 29.90b / Total Current Liabilities 60.56b)
Debt / Equity = 1.63 (Debt 15.16b / totalStockholderEquity, last quarter 9.29b)
Debt / EBITDA = 4.71 (Net Debt 7.70b / EBITDA 1.63b)
Debt / FCF = 8.28 (Net Debt 7.70b / FCF TTM 929.1m)
Total Stockholder Equity = 8.95b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 8.95b + L.T.Debt 11.95b))
RoIC = 6.11% (NOPAT 1.19b / Invested Capital 19.51b)
WACC = 9.37% (E(22.20b)/V(37.36b) * Re(10.22%) + D(15.16b)/V(37.36b) * Rd(9.39%) * (1-Tc(0.13)))
Discount Rate = 10.22% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.41%
[DCF Debug] Terminal Value 74.70% ; FCFE base≈767.7m ; Y1≈947.0m ; Y5≈1.62b
Fair Price DCF = 58.73 (DCF Value 18.97b / Shares Outstanding 323.0m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 36.39 | EPS CAGR: -58.19% | SUE: -4.0 | # QB: 0
Revenue Correlation: 97.81 | Revenue CAGR: 66.01% | SUE: 0.75 | # QB: 0
Additional Sources for INTR Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle