Inter & Co, Inc. logo

Inter & Co, Inc.

INTR

NASDAQFinancial ServicesBanks - Regional

Previous close

$5.39

+$0.19 · +3.65%

Aug 21, 4:00 PM ET

INTR company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

94

Deep Value

Momentum

26

Weakening

Sentiment

64

Bullish

Risk resilience

52

Elevated Risk

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Company profile

Company website

Inter & Co, Inc., a Brazilian enterprise established in 1994 and headquartered in Belo Horizonte, conducts a broad array of operations through its subsidiary companies. Its diverse business model encompasses banking, investment services, insurance intermediation, e-commerce, asset administration, and various support services. The company's Banking division delivers a full suite of financial products, including current accounts, payment cards, deposit options, credit and lending facilities, alongside other related financial solutions. Within its Securities segment, Inter & Co handles the acquisition, divestment, and safekeeping of financial instruments. It also provides portfolio management services and is responsible for establishing, organizing, and managing investment funds. The Insurance Brokerage arm offers an extensive selection of insurance policies, covering areas such as life, property, automobiles, financial protection, lost or stolen credit cards, dental care, warranties, travel, and credit protection. Its Marketplace unit manages a digital platform where customers can access and purchase a variety of goods and services. The Asset Management segment is dedicated to the oversight and administration of investment portfolios and other client assets. Lastly, the Services division focuses on activities like gathering and managing personal data, developing and licensing software solutions (both bespoke and off-the-shelf), and offering technical assistance, maintenance, and other information technology services.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
BR
CEO
Joao Vitor Nazareth Menin Teixeira de Souza
Listed since
Jun 23, 2022
Employees
4,030

Market position

Day range

Current $5.39

52-week range

Current $5.39

Open
$5.4325
Previous close
$5.20
Volume
5.79M
1.01× average
Average volume
5.75M
Average daily volume
Market cap
2.38B USD
Beta
0.96
Market reference 1
50-day average
$5.491
-1.84% below average
200-day average
$7.4928
-28.06% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
39.08B BRL
P/E (TTM)
7.93×
P/B (TTM)
1.16×
P/S (TTM)
0.73×
EV / EBITDA
19.89×
Earnings yield
6.42%
Free cash flow yield
14.67%
Dividend yield
2.10%

Profitability & efficiency

Gross margin
40.41%
Operating margin
11.27%
Net margin
9.19%
Return on equity
12.91%
Return on assets
1.33%
Return on invested capital
1.42%

Financial health

Debt / equity
3.1×
Current ratio
0.55×
Altman Z-score
0.06
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends66%39%12%-15%Gross margin, FY2021: 58.81%Gross margin, FY2022: 44.79%Gross margin, FY2023: 42.03%Gross margin, FY2024: 47.37%Gross margin, FY2025: 41.62%Operating margin, FY2021: -8.36%Operating margin, FY2022: -3.23%Operating margin, FY2023: 5.76%Operating margin, FY2024: 12.41%Operating margin, FY2025: 11.30%Net margin, FY2021: -2.63%Net margin, FY2022: -0.20%Net margin, FY2023: 3.96%Net margin, FY2024: 9.34%Net margin, FY2025: 9.13%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 58.81%. Gross margin FY2022 44.79%. Gross margin FY2023 42.03%. Gross margin FY2024 47.37%. Gross margin FY2025 41.62%. Operating margin FY2021 -8.36%. Operating margin FY2022 -3.23%. Operating margin FY2023 5.76%. Operating margin FY2024 12.41%. Operating margin FY2025 11.30%. Net margin FY2021 -2.63%. Net margin FY2022 -0.20%. Net margin FY2023 3.96%. Net margin FY2024 9.34%. Net margin FY2025 9.13%.

Income trends

Revenue

14.38B BRL+48.05%

Operating income

1.62B BRL+34.73%

Net income

1.31B BRL+44.67%
Income trends across reported periods15.84B BRL10B BRL4.15B BRL−1.69B BRLRevenue, FY2021: 2.77B BRLRevenue, FY2022: 5.54B BRLRevenue, FY2023: 7.64B BRLRevenue, FY2024: 9.71B BRLRevenue, FY2025: 14.38B BRLOperating income, FY2021: −231.06M BRLOperating income, FY2022: −178.57M BRLOperating income, FY2023: 439.84M BRLOperating income, FY2024: 1.21B BRLOperating income, FY2025: 1.62B BRLNet income, FY2021: −72.67M BRLNet income, FY2022: −11.09M BRLNet income, FY2023: 302.34M BRLNet income, FY2024: 907.13M BRLNet income, FY2025: 1.31B BRLFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 2.77B BRL. Revenue FY2022 5.54B BRL. Revenue FY2023 7.64B BRL. Revenue FY2024 9.71B BRL. Revenue FY2025 14.38B BRL. Operating income FY2021 −231.06M BRL. Operating income FY2022 −178.57M BRL. Operating income FY2023 439.84M BRL. Operating income FY2024 1.21B BRL. Operating income FY2025 1.62B BRL. Net income FY2021 −72.67M BRL. Net income FY2022 −11.09M BRL. Net income FY2023 302.34M BRL. Net income FY2024 907.13M BRL. Net income FY2025 1.31B BRL.
Metric (BRL)FY2025FY2024FY2023FY2022FY2021
Revenue14.38B BRL9.71B BRL7.64B BRL5.54B BRL2.77B BRL
Cost of goods sold8.39B BRL5.11B BRL4.43B BRL3.06B BRL1.14B BRL
Gross profit5.98B BRL4.6B BRL3.21B BRL2.48B BRL1.63B BRL
Selling, general, and administrative3.23B BRL2.66B BRL2.21B BRL2.2B BRL1.59B BRL
Operating expenses4.36B BRL3.4B BRL2.77B BRL2.66B BRL1.86B BRL
Interest income8.64B BRL7.15B BRL6.16B BRL4.27B BRL2.18B BRL
Interest expense5.98B BRL3.31B BRL2.89B BRL1.97B BRL543.24M BRL
Depreciation and amortization340.73M BRL208.83M BRL160.44M BRL163.97M BRL58.34M BRL
Operating income1.62B BRL1.21B BRL439.84M BRL−178.57M BRL−231.06M BRL
Net income1.31B BRL907.13M BRL302.34M BRL−11.09M BRL−72.67M BRL

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
2.9
FY2025 · +40.10% year over year
Latest fiscal-year revenue
14.38B BRL
FY2025 · +48.05% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend3.221.940.67-0.6FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend15.54B10.89B6.25B1.6BFY21FY22FY23FY24FY25

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.08

2025 complete year+166.7% since 2024

2026 partial: $0.1131

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Feb 20, 2026

$0.1131

Annual

Record Feb 22, 2026 · Payment Mar 5, 2026

Dividend

Ex-dividend Feb 14, 2025

$0.08

Annual

Record Feb 17, 2025 · Payment Feb 26, 2025

Dividend

Ex-dividend Apr 15, 2024

$0.03

Annual

Record Apr 16, 2024 · Payment Apr 23, 2024

INTR peers

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