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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 Framework: Banks & Lenders Mid Cap
Inter & Co, Inc. (INTR), is a Mid Cap company, in the Banks - Regional industry, last closed at $5.77, about 306.9% undervalued vs fair value, -18.3% 1Y return, ranked 495/1037 in sector.
Metrics Rev Growth 128.4% Gross Margin 42.4% Div Yield 6.40%
USD 5.77
1.05%
(Delayed)
• Vol 90d: 57.4%
52-Week Range
Market Cap
$2.52B
Enterprise Value
$6.31B
Overall Score
View breakdown
Overall
Growth
Excellent
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Excellent
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Aug 5 Estimated

Fair Value Snapshot

Bear Base Bull
$13
$23
$44
Current: $5.77 +307% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$8.6B
20.9%%
Interest Expense
$5.9B
Net Interest Income
$2.7B
-30.6%%
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
12.9%
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

$230.7M
17.6% 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
35
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
33
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing INTR's balance between Growth (43.8%), Profitability (29.8%), and Safety (26.4%). Growth 44% Safety 26% Profitability 30%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

90th percentile vs peers
90
Key Signals
Asset Growth YoY 26.7% 91p NII Growth YoY 17.0% 88p EPS Growth YoY 1.75 93p Equity Growth YoY 19.1% 87p
Strengths
  • Growth performance in top 20% of peers (percentile: 90)
  • Asset Growth YoY in top 20% of peers (26.7%, 91th percentile)
  • NII Growth YoY in top 20% of peers (17.0%, 88th percentile)
  • EPS Growth YoY in top 20% of peers (1.75, 93th percentile)
  • Equity Growth YoY in top 20% of peers (19.1%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

61th percentile vs peers
61
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
54
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading valuation model...
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$23.48
- - -
+306.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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