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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 $5.58, about 324.6% undervalued vs fair value, -16.7% 1Y return, placing in the top 10% of its sector.
Metrics P/E 2.9× Rev Growth 31.3% ROE 13.8% Gross Margin 73.8% Div Yield 5.45%
USD 5.58
-0.71%
(Delayed)
• Vol 90d: 52.7%
52-Week Range
Market Cap
$2.52B
Enterprise Value
$8.07B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 86%
Updated: Jul 5
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
$24
$44
Current: $5.58 +325% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$8.6B
68.1%%
Interest Expense
$6.0B
Net Interest Income
$2.7B
45.6%%
Total Revenue
$8.4B
31.3%%
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
33
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
38
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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 (42.4%), Profitability (37.7%), and Safety (20.0%). Growth 42% Safety 20% Profitability 38%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

85th percentile vs peers
86
Key Signals
NII Growth YoY 45.6% 95p Asset Growth YoY 29.0% 90p EPS Growth YoY 43.0% 74p Equity Growth YoY 14.3% 72p
Strengths
  • Growth performance in top 20% of peers (percentile: 85)
  • NII Growth YoY in top 20% of peers (45.6%, 95th percentile)
  • Asset Growth YoY in top 20% of peers (29.0%, 90th percentile)
  • Net Interest Margin in top 20% of peers (5.0%, 92th percentile)
  • ROE in top 20% of peers (13.8%, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

76th percentile vs peers
76
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
40
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$23.69
- - -
+324.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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