(INTR) Inter & Co. Common Shares - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 3.597m USD | Total Return: 64.3% in 12m

Banking, Investments, Insurance, E-commerce
Total Rating 48
Safety 74
Buy Signal -0.33
Banks - Regional
Industry Rotation: +13.6
Market Cap: 3.60B
Avg Turnover: 23.2M USD
ATR: 4.94%
Peers RS (IBD): 45.3
Risk 5d forecast
Volatility50.0%
Rel. Tail Risk0.67%
Reward TTM
Sharpe Ratio1.11
Alpha24.44
Character TTM
Beta1.061
Beta Downside1.247
Drawdowns 3y
Max DD49.36%
CAGR/Max DD1.34
EPS (Earnings per Share) EPS (Earnings per Share) of INTR over the last years for every Quarter: "2021-03": null, "2021-06": null, "2021-09": null, "2021-12": null, "2022-03": 0.0019, "2022-06": 0.01, "2022-09": -0.01, "2022-12": 0.08, "2023-03": 0.01, "2023-06": 0.02, "2023-09": 0.05, "2023-12": 0.08, "2024-03": 0.08, "2024-06": 0.08, "2024-09": 0.09, "2024-12": 0.11, "2025-03": 0.12, "2025-06": 0.13, "2025-09": 0.14, "2025-12": 0.16, "2026-03": 0,
EPS CAGR: -11.11%
EPS Trend: 63.2%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of INTR over the last years for every Quarter: 2021-03: 522.811, 2021-06: 553.675, 2021-09: 745.097, 2021-12: 871.909, 2022-03: 1170.292, 2022-06: 1342.061, 2022-09: 1429.982, 2022-12: 121.475, 2023-03: 1696.885, 2023-06: 1842.24, 2023-09: 2035.894, 2023-12: 2065.131, 2024-03: 2163.188, 2024-06: 2251.242, 2024-09: 2511.759, 2024-12: 2785.621, 2025-03: 3016.82, 2025-06: 3427.04, 2025-09: 3815.923, 2025-12: 4315.682366, 2026-03: null,
Rev. CAGR: 41.62%
Rev. Trend: 59.6%
Last SUE: 3.32
Qual. Beats: 2

Warnings

Volatile

Tailwinds

No distinct edge detected

Description: INTR Inter & Co. Common Shares

Inter & Co, Inc. (INTR) operates banking, investment, insurance, and e-commerce businesses primarily in Brazil and the United States. Its banking services include checking accounts, loans, and digital global accounts. The companys investment arm handles securities acquisition, sales, and fund management. A significant aspect of its business model is offering a broad range of financial services through a digital platform, a common strategy in the rapidly evolving fintech sector.

INTR also provides various insurance products, such as life, property, and auto insurance, alongside pension and consortium products. Additionally, it operates an e-commerce platform for goods and services. The company, founded in 1994, is headquartered in Belo Horizonte, Brazil. Further analysis on its market position and financial performance can be found on ValueRay.

Headlines to Watch Out For
  • Brazilian interest rates impact loan demand and net interest margin
  • Fintech competition erodes market share and pricing power
  • Regulatory changes in Brazil affect banking and insurance operations
  • Economic growth in Brazil drives consumer spending and loan demand
  • Expansion into US market increases customer acquisition costs
Piotroski VR‑10 (Strict) 4.5
Net Income: 1.32b TTM > 0 and > 6% of Revenue
FCF/TA: 0.04 > 0.02 and ΔFCF/TA 2.09 > 1.0
NWC/Revenue: -62.80% < 20% (prev -252.5%; Δ 189.7% < -1%)
CFO/TA 0.04 > 3% & CFO 4.28b > Net Income 1.32b
Net Debt (18.63b) to EBITDA (1.86b): 10.02 < 3
Current Ratio: 0.55 > 1.5 & < 3
Outstanding Shares: last quarter (441.3m) vs 12m ago -0.08% < -2%
Gross Margin: 41.70% > 18% (prev 0.47%; Δ 4.12k% > 0.5%)
Asset Turnover: 16.66% > 50% (prev 12.70%; Δ 3.95% > 0%)
Interest Coverage Ratio: 0.19 > 6 (EBITDA TTM 1.86b / Interest Expense TTM 6.00b)
What is the price of INTR shares? As of April 11, 2026, the stock is trading at USD 8.21 with a total of 4,806,201 shares traded.
Over the past week, the price has changed by +3.79%, over one month by -4.98%, over three months by -3.77% and over the past year by +64.31%.
Is INTR a buy, sell or hold? Inter & Co. Common Shares has received a consensus analysts rating of 4.10. Therefore, it is recommended to buy INTR.
  • StrongBuy: 5
  • Buy: 3
  • Hold: 1
  • Sell: 0
  • StrongSell: 1
What are the forecasts/targets for the INTR price?
Analysts Target Price 10.3 24.8%
Inter & Co. Common Shares (INTR) - Fundamental Data Overview as of 10 April 2026
P/E Trailing = 14.0517
P/E Forward = 9.7943
P/S = 0.6011
P/B = 1.7657
Revenue TTM = 14.58b USD
EBIT TTM = 1.16b USD
EBITDA TTM = 1.86b USD
Long Term Debt = 12.92b USD (from longTermDebt, two quarters ago)
Short Term Debt = 20.15b USD (from shortTermDebt, last quarter)
Debt = 29.63b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 18.63b USD (from netDebt column, last quarter)
Enterprise Value = 22.23b USD (3.60b + Debt 29.63b - CCE 11.00b)
Interest Coverage Ratio = 0.19 (Ebit TTM 1.16b / Interest Expense TTM 6.00b)
EV/FCF = 5.67x (Enterprise Value 22.23b / FCF TTM 3.92b)
FCF Yield = 17.62% (FCF TTM 3.92b / Enterprise Value 22.23b)
FCF Margin = 26.88% (FCF TTM 3.92b / Revenue TTM 14.58b)
Net Margin = 9.04% (Net Income TTM 1.32b / Revenue TTM 14.58b)
Gross Margin = 41.70% ((Revenue TTM 14.58b - Cost of Revenue TTM 8.50b) / Revenue TTM)
Gross Margin QoQ = 42.32% (prev 39.87%)
Tobins Q-Ratio = 0.23 (Enterprise Value 22.23b / Total Assets 98.56b)
Interest Expense / Debt = 5.89% (Interest Expense 1.75b / Debt 29.63b)
Taxrate = 13.51% (63.8m / 472.3m)
NOPAT = 1.00b (EBIT 1.16b * (1 - 13.51%))
Current Ratio = 0.55 (Total Current Assets 11.00b / Total Current Liabilities 20.15b)
Debt / Equity = 2.92 (Debt 29.63b / totalStockholderEquity, last quarter 10.16b)
Debt / EBITDA = 10.02 (Net Debt 18.63b / EBITDA 1.86b)
Debt / FCF = 4.76 (Net Debt 18.63b / FCF TTM 3.92b)
Total Stockholder Equity = 9.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.51% (Net Income 1.32b / Total Assets 98.56b)
RoE = 13.86% (Net Income TTM 1.32b / Total Stockholder Equity 9.51b)
RoCE = 5.17% (EBIT 1.16b / Capital Employed (Equity 9.51b + L.T.Debt 12.92b))
RoIC = 4.71% (NOPAT 1.00b / Invested Capital 21.28b)
WACC = 5.60% (E(3.60b)/V(33.23b) * Re(9.72%) + D(29.63b)/V(33.23b) * Rd(5.89%) * (1-Tc(0.14)))
Discount Rate = 9.72% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 4.11%
[DCF] Terminal Value 88.44% ; FCFF base≈2.93b ; Y1≈3.61b ; Y5≈6.16b
[DCF] Fair Price = 491.5 (EV 178.68b - Net Debt 18.63b = Equity 160.05b / Shares 325.6m; r=6.0% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 63.23 | EPS CAGR: -11.11% | SUE: -4.0 | # QB: 0
Revenue Correlation: 59.59 | Revenue CAGR: 41.62% | SUE: 3.32 | # QB: 2
EPS next Quarter (2026-06-30): EPS=0.19 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=3
EPS current Year (2026-12-31): EPS=0.82 | Chg7d=+0.000 | Chg30d=+0.010 | Revisions Net=+0 | Growth EPS=+44.0% | Growth Revenue=+28.6%
EPS next Year (2027-12-31): EPS=1.07 | Chg7d=+0.000 | Chg30d=+0.004 | Revisions Net=+1 | Growth EPS=+30.5% | Growth Revenue=+20.1%
[Growth] Implied Growth Rate = 2.6% (Discount Rate 9.7% - Earnings Yield 7.1%)
[Growth] Growth Spread = +30.6% (Analyst 33.2% - Implied 2.6%)
External Resources
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