INTR Financial ServicesBeta data

Inter & Co, Inc.

$3.91-2.98%

Price as of close on Nov 3, 2026 · Financials updated Oct 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: Brazil
Market cap: 1.7B USD

Overall health

Strength: more profitable than most peersmore profitable than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Ranks #46 of 791 banks & insurance companies (top 6%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.
Annual revenue rose 5 years in a row. Fiscal-year revenue rose from BRL 1.0B in 2020 to BRL 8.4B in 2025.
Inter's fiscal-year revenue rose in each of the five years to 2025, from BRL 1.0B to BRL 8.4B.
Fast revenue growth. Revenue grew 31% in the 12 months to December 2025 vs the 12 months before, faster than 88% of peers.
Revenue grew 31% in the 12 months to December 2025 vs the 12 months before, faster than 88% of its peers.
Swings more than its peers. Beta 0.95: swings more than most peers, though less than the market.
Inter's shares have swung more with the market than most peers' (beta 0.95).

StockQuotient Score

79/ 100▲ 2 since Oct 27 close

Oct 5 76 → Nov 4 79 (+3)

Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

87/100

Strong▲ 4 since Oct 27 close

2/2 inputs reported · High confidence

Since last year: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 83 → 87

Share price -11.7%+3
Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Earnings yield
▲ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield113.6%

Yahoo FinanceReported value40% base weight · Z-score 1.20Sector median: 0.7950 · MAD: 0.2843

Earnings yield16.9%

Yahoo Finance · trailing 12 monthsReported value60% base weight · Z-score 3.55Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield16.3%

Yahoo Finance · trailing 12 months · BRL→USD converted · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

79/100

Moderate

1/1 inputs reported · High confidence

Since last year: ▲ Stronger

12-month revenue up 31.3%

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth43.0%

Yahoo Finance · fiscal year to Dec 2025Reported value100% base weight · Z-score 1.52Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth33.1%

SEC filings (IFRS mapped) · 3 years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth31.3%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

70/100

Moderate

2/2 inputs reported · High confidence

Since last year: No major change

Why

Stronger than most peers on:

▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.3%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score 0.25Sector median: 0.0117 · MAD: 0.0062

Return on equity16.2%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score 1.41Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Inter

Is Inter getting weaker?: Its latest SEC filing (Apr 30, 2026) showed no major changes: debt up 534%, still less than its cash. Its overall score is 79/100, up 2 since Oct 28, 2026.
How is Inter valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 87/100 against 950 banks & insurance peers. Earnings yield 16.9% vs a peer median of 7.9% (stronger than 90% of peers).Earnings yield 16.9% vs peers 7.9% (stronger than 90% of peers).
Is Inter growing?: Yes, faster than most of its peers. Growth scores 79/100 against 950 banks & insurance peers. Earnings per share growth 43.0% vs a peer median of 16.0% (stronger than 79% of peers).Earnings per share growth 43.0% vs peers 16.0% (stronger than 79% of peers).
How profitable is Inter?: More profitable than most of its peers. Profitability scores 70/100 against 950 banks & insurance peers. Return on equity 16.2% vs a peer median of 10.7% (stronger than 80% of peers).Return on equity 16.2% vs peers 10.7% (stronger than 80% of peers).
How risky is Inter?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Dec 31, 2025 · filed Apr 30, 2026 · compared with the year ended Dec 31, 2024

No major changes

Debt up 534%, still less than its cash

	Previous year	Latest year	Change
Revenue (12 months)	6.4B BRL	8.4B BRL	+31.3%
Net income (12 months)	907.1M BRL	1.3B BRL	+44.7%
Free cash flow (12 months)	3.7B BRL	7.6B BRL	+107.2%
Debt	128.9M BRL	817.5M BRL	+534.1%
Cash	1.1B BRL	3.8B BRL	+243.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in BRL, as reported

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	-3.3%	-0.3%	6.4%	14.2%	15.6%	▲ 1.4 pts
Return on assets (ROA)	-0.2%	-0.0%	0.5%	1.2%	1.3%	▲ 0.1 pts
Return on equity (ROE)	-2.7%	-0.2%	4.0%	10.2%	12.9%	▲ 2.7 pts
Debt to equity	0.01×	0.01×	0.01×	0.01×	0.08×	▲ 455%

INTR price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Ranks #46 of 791 banks & insurance companies (top 6%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.

The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from BRL 1.0B in 2020 to BRL 8.4B in 2025.

Inter's fiscal-year revenue rose in each of the five years to 2025, from BRL 1.0B to BRL 8.4B.

Fast revenue growth. Revenue grew 31% in the 12 months to December 2025 vs the 12 months before, faster than 88% of peers.

Revenue grew 31% in the 12 months to December 2025 vs the 12 months before, faster than 88% of its peers.

Swings more than its peers. Beta 0.95: swings more than most peers, though less than the market.

Inter's shares have swung more with the market than most peers' (beta 0.95).

Questions investors ask about Inter

Is Inter getting weaker?

Its latest SEC filing (Apr 30, 2026) showed no major changes: debt up 534%, still less than its cash. Its overall score is 79/100, up 2 since Oct 28, 2026.

How is Inter valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 87/100 against 950 banks & insurance peers. Earnings yield 16.9% vs a peer median of 7.9% (stronger than 90% of peers).Earnings yield 16.9% vs peers 7.9% (stronger than 90% of peers).

Is Inter growing?

Yes, faster than most of its peers. Growth scores 79/100 against 950 banks & insurance peers. Earnings per share growth 43.0% vs a peer median of 16.0% (stronger than 79% of peers).Earnings per share growth 43.0% vs peers 16.0% (stronger than 79% of peers).

How profitable is Inter?

More profitable than most of its peers. Profitability scores 70/100 against 950 banks & insurance peers. Return on equity 16.2% vs a peer median of 10.7% (stronger than 80% of peers).Return on equity 16.2% vs peers 10.7% (stronger than 80% of peers).

How risky is Inter?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Revenue (12 months)

6.4B BRL

8.4B BRL

+31.3%

Net income (12 months)

907.1M BRL

1.3B BRL

+44.7%

Free cash flow (12 months)

3.7B BRL

7.6B BRL

+107.2%

Debt

128.9M BRL

817.5M BRL

+534.1%

Cash

1.1B BRL

3.8B BRL

+243.0%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

-3.3%

-0.3%

6.4%

14.2%

15.6%

▲ 1.4 pts

Return on assets (ROA)

-0.2%

-0.0%

0.5%

1.2%

1.3%

▲ 0.1 pts

Return on equity (ROE)

-2.7%

-0.2%

4.0%

10.2%

12.9%

▲ 2.7 pts

Debt to equity

0.01×

0.08×

▲ 455%