Inter & Co, Inc. (INTR) Income Statement
INTR 2025 at a glance
Fiscal year ended December 31, 2025 · Brazilian reaisINTR revenue and net income
Where INTR's revenue goes
2025Each bar shows an amount and its share of revenue. INTR kept 9.1% of revenue as net income.
INTR profit margins
INTR growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +48.0% | +37.5% | +66.6% | +40.3% |
| Gross profit | +30.1% | +34.1% | +39.8% | +41.2% |
| Operating income | +34.7% | — | +83.3% | +43.0% |
| Net income | +44.7% | — | +136.0% | +44.6% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
INTR income statement in Brazilian reais
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | R$14.38B | R$9.71B | R$7.64B | R$5.54B | R$2.77B | R$1.12B | R$1.01B | R$688.8M | R$571.9M | R$593.5M |
| Cost of revenue | R$8.39B | R$5.11B | R$4.43B | R$3.06B | R$1.14B | R$0 | R$362.7M | R$243.0M | R$301.7M | R$407.0M |
| Gross profit | R$5.98B | R$4.60B | R$3.21B | R$2.48B | R$1.63B | R$1.12B | R$646.6M | R$445.9M | R$270.2M | R$186.5M |
| Sales, general & admin | R$3.23B | R$2.66B | R$2.21B | R$2.20B | R$1.59B | R$781.5M | R$451.2M | R$261.5M | R$156.4M | R$143.1M |
| Total operating expenses | R$4.36B | R$3.40B | R$2.77B | R$2.66B | R$1.86B | R$1.04B | R$563.5M | R$352.0M | R$210.5M | R$157.4M |
| Operating income | R$1.62B | R$1.21B | R$439.8M | −R$178.6M | −R$231.1M | R$78.5M | R$83.1M | R$93.9M | R$59.8M | R$29.1M |
| Interest income | R$8.64B | R$7.15B | R$6.16B | R$4.27B | R$2.18B | R$951.2M | R$841.9M | R$636.4M | — | — |
| Interest expense | R$5.98B | R$3.31B | R$2.89B | R$1.97B | R$543.2M | R$172.3M | R$255.7M | R$217.3M | R$276.1M | R$320.8M |
| Income before taxes | R$1.62B | R$1.21B | R$439.8M | −R$178.6M | −R$231.1M | −R$7.0M | R$83.1M | R$93.9M | R$59.8M | R$29.1M |
| Income taxes | R$226.9M | R$232.7M | R$87.6M | −R$164.5M | −R$176.0M | −R$37.7M | R$1.5M | R$24.0M | R$6.0M | R$3.2M |
| Net income | R$1.31B | R$907.1M | R$302.3M | −R$11.1M | −R$72.7M | R$17.9M | R$78.9M | R$69.8M | R$48.2M | R$25.4M |
| EBITDA | R$1.96B | R$1.41B | R$600.3M | −R$14.6M | −R$172.7M | −R$19.5M | R$97.2M | R$96.5M | R$61.2M | R$30.3M |
| Gross margin | 41.6% | 47.4% | 42.0% | 44.8% | 58.8% | 100.0% | 64.1% | 64.7% | 47.2% | 31.4% |
| Operating margin | 11.3% | 12.4% | 5.8% | −3.2% | −8.4% | 7.0% | 8.2% | 13.6% | 10.4% | 4.9% |
| Net margin | 9.1% | 9.3% | 4.0% | −0.2% | −2.6% | 1.6% | 7.8% | 10.1% | 8.4% | 4.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | R$4.58B | R$4.19B | R$4.12B | R$3.82B | R$3.43B | R$3.02B | R$2.79B | R$2.51B | R$2.25B | R$2.16B | R$2.07B | R$2.04B |
| Cost of revenue | R$2.72B | R$2.53B | R$2.41B | R$2.29B | R$1.99B | R$1.72B | R$1.44B | R$1.31B | R$1.19B | R$1.23B | R$1.14B | R$1.18B |
| Gross profit | R$1.87B | R$1.66B | R$1.71B | R$1.52B | R$1.43B | R$1.30B | R$1.35B | R$1.20B | R$1.06B | R$935.9M | R$928.5M | R$857.6M |
| Sales, general & admin | R$332.3M | R$883.2M | R$887.7M | R$815.2M | R$780.8M | R$751.3M | R$768.4M | R$718.0M | R$595.1M | R$576.2M | R$574.9M | R$563.1M |
| Total operating expenses | R$1.34B | R$1.18B | R$1.24B | R$1.10B | R$1.05B | R$939.1M | R$1.01B | R$910.8M | R$759.7M | R$662.2M | R$720.2M | R$712.2M |
| Operating income | R$522.4M | R$477.1M | R$465.2M | R$417.9M | R$383.5M | R$357.5M | R$340.3M | R$294.0M | R$297.6M | R$273.7M | R$208.3M | R$145.4M |
| Interest income | R$2.60B | R$2.57B | R$2.48B | R$2.23B | R$2.13B | R$1.81B | R$1.64B | R$1.97B | R$1.80B | R$1.73B | R$1.69B | R$1.59B |
| Interest expense | R$1.85B | R$1.75B | R$1.72B | R$1.65B | R$1.42B | R$1.18B | R$941.1M | R$835.6M | R$772.6M | R$762.2M | R$752.2M | R$770.4M |
| Income before taxes | R$522.4M | R$477.1M | R$465.2M | R$417.9M | R$383.5M | R$357.5M | R$340.3M | R$294.0M | R$297.6M | R$273.7M | R$208.3M | R$145.4M |
| Income taxes | R$66.6M | R$59.6M | R$62.8M | R$61.9M | R$51.4M | R$50.8M | R$45.3M | R$33.9M | R$74.9M | R$78.5M | R$48.6M | R$41.2M |
| Net income | R$430.7M | R$394.8M | R$374.4M | R$336.3M | R$315.1M | R$286.6M | R$275.2M | R$242.7M | R$206.5M | R$182.8M | R$150.9M | R$91.3M |
| EBITDA | R$632.7M | R$570.5M | R$577.3M | R$502.4M | R$460.2M | R$425.0M | R$400.8M | R$347.3M | R$350.6M | R$315.6M | R$249.5M | R$185.9M |
| Gross margin | 40.7% | 39.6% | 41.4% | 39.9% | 41.8% | 43.0% | 48.4% | 48.0% | 47.0% | 43.3% | 45.0% | 42.1% |
| Operating margin | 11.4% | 11.4% | 11.3% | 11.0% | 11.2% | 11.9% | 12.2% | 11.7% | 13.2% | 12.7% | 10.1% | 7.1% |
| Net margin | 9.4% | 9.4% | 9.1% | 8.8% | 9.2% | 9.5% | 9.9% | 9.7% | 9.2% | 8.5% | 7.3% | 4.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in Brazilian reais as reported in INTR's financial statements (latest annual report filed December 31, 2025); data from EODHD. Sales, general & administrative expenses include sales and marketing.
INTR financial results
In fiscal year 2025 (ended December 31, 2025), Inter reported revenue of R$14.4 billion, up 48.0% from the year before. It had net income of R$1.3 billion (up 44.7%), a net profit margin of 9.1%. Over five years revenue grew at an average rate of 66.6% a year. Figures are in Brazilian reais, the currency of its financial statements.
See the INTR stock overview for the latest quote and news, or the INTR chart for price history and technical indicators.
INTR income statement FAQ
What is Inter's annual revenue?
Inter reported total revenue of R$14.4 billion for fiscal year 2025, which ended on December 31, 2025. That was up 48.0% from R$9.7 billion the previous year.
Is Inter profitable?
Yes. Inter reported net income of R$1.3 billion in fiscal 2025, a net profit margin of 9.1%; its operating margin was 11.3%.
What is Inter's gross margin?
Inter's gross margin was 41.6% in fiscal 2025: for every $100 of revenue, Inter kept $42 after the direct cost of its products and services.
How fast is Inter growing?
Revenue grew 66.6% a year on average over the last five fiscal years, from R$1.1 billion to R$14.4 billion.
When will Inter report its next earnings?
Inter is expected to report results for the quarter ending September 30, 2026 on November 12, 2026 after the market closes.
When does Inter's fiscal year end?
Inter's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on December 31, 2025.