Inter & Co, Inc. (INTR) AI Stock Analysis

Inter & Co, Inc. operates a diverse portfolio of financial and digital services businesses based in Belo Horizonte, Brazil. The company conducts operations through five strategic business segments: Banking, Securities, Insurance Brokerage, Marketplace, and Asset Management. The Banking segment provides checking accounts, deposits, cards, loans, and other financial services. Securities handles securities trading, portfolio management, and investment fund management. The Insurance Brokerage segment offers life, property, auto, and travel insurance products. The Marketplace segment hosts a digital platform providing goods and services, while Asset Management oversees fund portfolios and other assets across the Brazilian market.

Revenue expanded from $2.77B in FY2021 to $5.54B in FY2022, $7.64B in FY2023, $9.71B in FY2024, and $14.38B in FY2025, representing a 5-year revenue CAGR of 66.6% from FY2020 to FY2025. Operating margin turned positive at 5.8% in FY2023, reached 12.4% in FY2024, and stood at 11.3% in FY2025. Net income improved from -$72.7M in FY2021 to $1.31B in FY2025, with net margin reaching 9.1%. In the latest quarter ended June 30, 2026, quarterly revenue growth was 23.8% year-over-year and quarterly earnings growth was 32.4% year-over-year, supported by a trailing twelve month profit margin of 22.9%.

As of June 30, 2026, Inter & Co held $10.40B in cash and short-term investments alongside total debt of $32.60B, resulting in net debt of $22.20B and a debt-to-equity ratio of 3.10. Total assets reached $102.75B against shareholders' equity of $10.51B, with a current ratio of 0.33. Operating cash flow was $3.11B in FY2025, generating free cash flow of $3.00B. In FY2025, capital allocation included $107.4M in capital expenditures, $26.6M in share buybacks, and $238.9M in dividends paid.

At a last close of $6.73, Inter & Co has a market cap of $2.97B and an enterprise value of $17.11B. The stock trades at a trailing P/E of 10.4x and a forward P/E of 10.8x, compared to the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales ratio is 0.4x versus the peer median of 3.2x, while price-to-book is 1.2x. Over the past year, INTR delivered a return of -23.7%, trailing the S&P 500 (SPY) return of 16.8%.

Inter & Co pays an annual dividend with a forward rate of $0.11 per share, representing a dividend yield of 1.68%. The company has paid dividends for 3 consecutive years, with its last ex-dividend date on February 20, 2026. Its payout ratio stands at 16.9%, with total dividends paid amounting to $238.9M in FY2025.

Wall Street analysts coverage includes 6 Strong Buy, 2 Buy, 2 Hold, 0 Sell, and 1 Strong Sell ratings. The mean price target is $9.13, which is 35.7% above the last close of $6.73. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $10.74B and EPS of $0.77. Inter & Co beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is November 12, 2026.

This page is an AI-written research summary of Inter & Co, Inc. (INTR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: INTR income statement, INTR balance sheet, INTR key metrics, INTR analyst forecast, INTR chart. See the INTR stock overview for the latest quote and news.