INTR Stock Analysis: Inter & Co. Common Shares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.362m USD | 12M Return: -42.4% | KYG4R20B1074 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 20.7M
EPS Trend: 98.0%
Qual. Beats: 2
Rev. Trend: 98.8%
Qual. Beats: 4
Warnings
Tailwinds
No distinct edge detected
Seasonality 4.3 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Inter & Co, Inc. (NASDAQ: INTR) is a Brazilian-headquartered financial services and digital commerce company operating in Brazil and the United States. Founded in 1994 and based in Belo Horizonte, the company runs a multi-vertical platform spanning banking and spending (checking accounts, cards, deposits, loans, and foreign exchange), investments (securities brokerage, custody, and fund management), insurance brokerage (warranties, life, property, auto, and pension/consortium products), and an e-commerce marketplace (Inter Shop) for goods and services. The company has been publicly listed on Nasdaq since June 2022.
The business follows a super-app or digital financial ecosystem model common among Latin American fintechs, bundling banking, brokerage, insurance, and commerce into a single platform to drive cross-selling and user engagement. Brazil has been one of the most developed fintech markets in Latin America, with a high share of digital-only bank accounts and a regulator (the Central Bank of Brazil) that has actively promoted open banking and instant payments, supporting the growth of platforms like Inter & Co.
- Brazilian Selic rate cuts pressure net interest margin
- Loan portfolio expansion drives revenue but lifts credit costs
- Nubank competition intensifies in Brazilian digital banking market
| 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 September 26, 2026, the stock is trading at USD 5.11 with a total of 2,900,363 shares traded. Over the past week, the price has changed by -4.49%, over one month by -9.40%, over three months by -2.48% and over the past year by -42.44%.
Current recommended Stop Loss: 4.70 (which is 8% or 1.6 ATR below the current price).
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 | 8.6 | 67.7% |
Market Cap BRL = 12.3b (2.36b USD * 5.1868 USD.BRL)
P/E Trailing = 8.1061
P/E Forward = 10.7875
P/S = 0.3546
P/B = 1.1566
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 = 34.6b BRL (12.3b + Debt 32.7b - CCE 10.4b)
Interest Coverage Ratio = 0.27 (Ebit TTM 1.88b / Interest Expense TTM 6.98b)
EV/FCF = -13.04x (Enterprise Value 34.6b / FCF TTM -2.65b)
FCF Yield = -7.67% (FCF TTM -2.65b / Enterprise Value 34.6b)
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 = 0.34 (Enterprise Value 34.6b / 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 = 16.04% (E(12.3b)/V(45.0b) * Re(9.48%) + D(32.7b)/V(45.0b) * Rd(21.34%) * (1-Tc(0.13)))
Discount Rate = 9.48% (= 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=+3.82% | Revisions=-40% | Analysts=5
EPS current Year (2026-12-31): EPS=0.75 | Chg30d=-1.05% | Revisions=-36% | GrowthEPS=+32.6% | GrowthRev=+27.5%
EPS next Year (2027-12-31): EPS=0.92 | Chg30d=-6.09% | Revisions=-57% | GrowthEPS=+22.2% | GrowthRev=+20.0%
[Analyst] Revisions Ratio: -59% (up=2, down=12)