(INTR) Inter & Co. Common Shares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 2.724m USD | Total Return: -18.6% in 12m
Avg Turnover: 52.3M
EPS Trend: 97.1%
Qual. Beats: 1
Rev. Trend: 98.5%
Qual. Beats: 3
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Inter & Co, Inc. (INTR) is a Brazilian financial technology firm that operates a digital super app combining banking, investment services, insurance brokerage, and an e-commerce marketplace. Headquartered in Belo Horizonte, the company provides a comprehensive suite of retail banking services, including credit cards, foreign exchange, and global accounts, alongside asset management and securities distribution.
The company operates within the Neobank sector, a business model characterized by lower overhead costs compared to traditional brick-and-mortar institutions, allowing for rapid customer acquisition through digital-only channels. Its integrated platform strategy aims to increase customer lifetime value by cross-selling high-margin products like insurance and pension plans alongside core banking functions.
Investors can further evaluate these operational metrics and valuation trends on ValueRay.
- Brazilian central bank interest rate shifts impact net interest margin profitability
- Super-app user monetization through cross-selling credit and insurance products increases ARPU
- Efficiency ratio improvements driven by operating leverage and lower customer acquisition costs
- Expansion of the Global Account segment diversifies revenue into US dollar assets
- Brazilian regulatory changes regarding interchange fees and credit card interest rate caps
| Net Income: 1.42b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -1.71 > 1.0 |
| NWC/Revenue: -74.71% < 20% (prev -258.7%; Δ 184.0% < -1%) |
| CFO/TA 0.03 > 3% & CFO 3.25b > Net Income 1.42b |
| Net Debt (21.7b) to EBITDA (2.11b): 10.28 < 3 |
| Current Ratio: 0.45 > 1.5 & < 3 |
| Outstanding Shares: last quarter (445.6m) vs 12m ago 1.30% < -2% |
| Gross Margin: 41.00% > 18% (prev 46.45%; Δ -5.45% > 0.5%) |
| Asset Turnover: 17.69% > 50% (prev 13.12%; Δ 4.57% > 0%) |
| Interest Coverage Ratio: 0.27 > 6 (EBIT TTM 1.74b / Interest Expense TTM 6.54b) |
| DSRI: 0.23 (Receivables 311.1m/890.4m, Revenue 15.8b/10.6b) |
| GMI: 1.13 (GM 46.45% / 41.00%) |
| AQI: 1.44 (AQ_t 0.90 / AQ_t-1 0.62) |
| SGI: 1.49 (Revenue 15.8b / 10.6b) |
| TATA: -0.02 (NI 1.42b - CFO 3.25b) / TA 97.9b) |
| Beneish M = -2.92 (Cap -4..+1) = A |
As of June 06, 2026, the stock is trading at USD 5.67 with a total of 2,524,005 shares traded.
Over the past week, the price has changed by -8.10%,
over one month by -25.30%,
over three months by -31.19% and
over the past year by -18.56%.
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
| Analysts Target Price | 9.7 | 71.3% |
Market Cap BRL = 13.8b (2.72b USD * 5.0645 USD.BRL)
P/E Trailing = 9.7937
P/E Forward = 9.7943
P/S = 0.431
P/B = 1.3551
Revenue TTM = 15.8b BRL
EBIT TTM = 1.74b BRL
EBITDA TTM = 2.11b BRL
Long Term Debt = 15.4b BRL (from longTermDebt, last quarter)
Short Term Debt = 21.4b BRL (from shortTermDebt, last quarter)
Debt = 31.3b BRL (from shortLongTermDebtTotal, last quarter) + Leases 111.3m
Net Debt = 21.7b BRL (calculated: Debt 31.3b - CCE 9.63b)
Enterprise Value = 35.5b BRL (13.8b + Debt 31.3b - CCE 9.63b)
Interest Coverage Ratio = 0.27 (Ebit TTM 1.74b / Interest Expense TTM 6.54b)
EV/FCF = 11.68x (Enterprise Value 35.5b / FCF TTM 3.04b)
FCF Yield = 8.56% (FCF TTM 3.04b / Enterprise Value 35.5b)
FCF Margin = 19.25% (FCF TTM 3.04b / Revenue TTM 15.8b)
Net Margin = 8.99% (Net Income TTM 1.42b / Revenue TTM 15.8b)
Gross Margin = 41.00% ((Revenue TTM 15.8b - Cost of Revenue TTM 9.31b) / Revenue TTM)
Gross Margin QoQ = 40.01% (prev 42.32%)
Tobins Q-Ratio = 0.36 (Enterprise Value 35.5b / Total Assets 97.9b)
Interest Expense / Debt = 20.90% (Interest Expense 6.54b / Debt 31.3b)
Taxrate = 13.52% (235.5m / 1.74b)
NOPAT = 1.51b (EBIT 1.74b * (1 - 13.52%))
Current Ratio = 0.45 (Total Current Assets 9.63b / Total Current Liabilities 21.4b)
Debt / Equity = 3.11 (Debt 31.3b / totalStockholderEquity, last quarter 10.1b)
Debt / EBITDA = 10.28 (Net Debt 21.7b / EBITDA 2.11b)
Debt / FCF = 7.13 (Net Debt 21.7b / FCF TTM 3.04b)
Total Stockholder Equity = 9.80b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 1.42b / Total Assets 97.9b)
RoE = 14.48% (Net Income TTM 1.42b / Total Stockholder Equity 9.80b)
RoCE = 6.91% (EBIT 1.74b / Capital Employed (Equity 9.80b + L.T.Debt 15.4b))
RoIC = 1.55% (NOPAT 1.51b / Invested Capital 97.1b)
WACC = 15.40% (E(13.8b)/V(45.1b) * Re(9.31%) + D(31.3b)/V(45.1b) * Rd(20.90%) * (1-Tc(0.14)))
Discount Rate = 9.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 96.61 | Cagr: 4.72%
[DCF] Terminal Value 51.56% ; FCFF base≈3.37b ; Y1≈2.96b ; Y5≈2.39b
[DCF] Fair Price = N/A (negative equity: EV 18.0b - Net Debt 21.7b = -3.65b; debt exceeds intrinsic value)
EPS Correlation: 97.12 | EPS CAGR: 83.46% | SUE: 1.41 | # QB: 1
Revenue Correlation: 98.48 | Revenue CAGR: 46.33% | SUE: 0.99 | # QB: 3
EPS current Quarter (2026-06-30): EPS=0.19 | Chg30d=+2.15% | Revisions=+33% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.20 | Chg30d=+0.49% | Revisions=-14% | Analysts=3
EPS current Year (2026-12-31): EPS=0.80 | Chg30d=-1.86% | Revisions=+20% | GrowthEPS=+40.7% | GrowthRev=+26.7%
EPS next Year (2027-12-31): EPS=1.06 | Chg30d=-1.26% | Revisions=+0% | GrowthEPS=+32.6% | GrowthRev=+21.6%
[Analyst] Revisions Ratio: +33%