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Company Analysis

Inter & Co. Inc. INTR

A comprehensive view of key metrics, scores, and financial health for Inter & Co. Inc.

Overview of Inter & Co, Inc.

INTR NMS
Financial Services Banks - Regional Mid Cap
Inter & Co, Inc. (INTR), is a Mid Cap company, in the Banks - Regional industry, last closed at $7.80, about 186.4% undervalued vs fair value, +29.8% 1Y return, ranked 482/1004 in sector.
$7.80
-3.47%
As of March 13, 2026
Previous close • Vol 90d: 50.8%
52-Week Range
Market Cap
$3.81B
Enterprise Value
$7.95B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://inter.co
HQ Belo Horizonte, MG
Fiscal year Dec 31

Next Events

Earnings May 11 Estimated

Fair Value Snapshot

Bear Base Bull
$12
$22
$42
Current: $7.80 +186% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$7.1B
15.9%%
Interest Expense
$5.9B
Net Interest Income
$3.8B
17%%
Total Revenue
$14.6B
128.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.2%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$265.5M
29.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Inter & Co. Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
34
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
32
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing INTR's balance between Growth (42.3%), Profitability (22.5%), and Safety (35.2%). Growth 42% Safety 35% Profitability 23%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

93th percentile vs peers
93
Key Signals
Rev Growth YoY 1.28 89p Revenue CAGR 3Y 60.1% 98p Asset Growth YoY 26.7% 91p
Strengths
  • Growth performance in top 20% of peers (percentile: 93)
  • Rev Growth Yoy in top 20% of peers (1.28, 89th percentile)
  • Revenue Cagr 3Y in top 20% of peers (60.1%, 98th percentile)
  • Asset Growth Yoy in top 20% of peers (26.7%, 91th percentile)
  • Roa in top 20% of peers (1.3%, 83th percentile)
Risks

No significant risks identified for this axis.

Profitability

49th percentile vs peers
50
Key Signals
Strengths
Risks
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Safety

77th percentile vs peers
78
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Inter & Co. Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$22.34
- - -
+186.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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