YOLFTbeta
Inter & Co. Inc. Class A Common Shares

Inter & Co. Inc. Class A Common Shares

INTR · NASDAQ · Financial Services / Banks - Regional

4.15USD+0.19 (+4.67%)

Price History

Full chart

Market Stats

Previous Close3.97
Open3.95
Day Range3.94 – 4.35
52-Week Range4.97 – 10.23
Volume15.25M
Market Cap2.23B
P/E (TTM)7.75
Forward P/E10.79
EPS0.65
Dividend Yield2.21%
Beta0.95
50-Day Avg5.46
200-Day Avg7.06

About

Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collections; foreign exchange and financial services; and global account digital solution. It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets. In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products. Further, it engages in the sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Joao Vitor Nazareth Menin Teixeira de Souza
  • Employees0
  • HeadquartersAvenida Barbacena, No. 1,219, Belo Horizonte, MG, Brazil, 30190-131, USA
  • Websitehttps://inter.co

Leadership

  • Mr. Joao Vitor Nazareth Menin Teixeira de SouzaGlobal Chief Executive Officer · b. 1982
  • Mr. Santiago Horacio StelSenior VP of Finance & Risks and CFO · b. 1980
  • Mr. Guilherme Ximenes De AlmeidaChief Information Officer · b. 1977
  • Mr. Marco Antonio Martins de Araújo FilhoGlobal Chief Legal & Compliance Officer · b. 1965
  • Ms. Andrea NoccioliniMarketing & Branding Director
  • Ms. Thais Leite LemosChief Human Resources Officer · b. 1987
  • Mr. Alexandre Riccio De OliveiraChief Executive Officer of Brazil · b. 1981
  • Mr. Thiago Garrides Cabral de LimaChief Risk Officer and Director Risks & Internal Controls
  • Mr. Rodrigo Teodoro Martins de GouveiaChief Commerce Officer · b. 1979
  • Mr. Marlos Francisco de Souza AraujoChief Risk Officer · b. 1977

Financials

Income Statement

Currency: BRL2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue123.33M85.22M106.35M486.43M593.54M571.91M688.83M1.01B1.12B2.77B5.54B7.64B9.71B14.38B
Growth (%)--30.90%+24.79%+357.39%+22.02%-3.64%+20.44%+46.53%+11.04%+146.72%+100.20%+38.02%+27.12%+48.05%
Cost of Revenue14.30M19.13M-296.45M407.04M301.70M242.95M362.75M-1.14B3.06B4.43B5.11B8.39B
Gross Profit123.33M85.22M106.35M189.98M186.50M270.21M445.88M646.60M1.12B1.63B2.48B3.21B4.60B5.98B
Gross Margin100.00%100.00%100.00%39.06%31.42%47.25%64.73%64.06%100.00%58.81%44.79%42.03%47.37%41.62%
Operating Expense109.51M69.20M78.76M144.70M157.44M210.45M352.00M563.49M1.04B1.86B2.66B2.77B3.40B4.36B
Operating Income13.82M16.02M27.59M45.28M29.06M59.76M93.88M83.11M78.47M-231.06M-178.57M439.84M1.21B1.62B
Operating Margin11.20%18.80%25.94%9.31%4.90%10.45%13.63%8.23%7.00%-8.36%-3.23%5.76%12.41%11.30%
EBITDA324.00K24.16M45.45M48.61M30.33M61.16M96.49M97.16M-19.52M-172.72M-14.60M600.28M1.41B1.96B
EBITDA Margin0.26%28.35%42.74%9.99%5.11%10.69%14.01%9.63%-1.74%-6.25%-0.26%7.86%14.56%13.67%
Net Income16.24M17.14M22.16M32.90M25.36M48.16M69.83M78.88M17.91M-72.67M-11.09M302.34M907.13M1.31B
Net Income Margin13.17%20.11%20.84%6.76%4.27%8.42%10.14%7.81%1.60%-2.63%-0.20%3.96%9.34%9.13%
Interest Expense00-237.00M320.84M276.15M217.28M255.68M172.28M543.24M1.97B2.89B3.31B5.98B
Interest Expense % of Total Revenue0.00%0.00%-48.72%54.06%48.29%31.54%25.33%15.37%19.65%35.64%37.79%34.10%41.57%

Balance Sheet

Currency: BRL2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.23B1.43B1.85B2.53B3.19B3.58B5.64B10.02B19.80B36.63B46.34B60.35B76.46B98.56B
Total Liabilities942.00K3.58M29.76M2.19B2.84B3.19B4.69B7.82B16.45B28.18B39.25B52.76B67.39B88.17B
Total Equity274.44M288.00M305.18M336.16M353.17M383.09M948.78M2.20B3.30B2.66B6.99B7.47B8.90B10.16B
Cash106.53M62.05M93.09M231.39M532.14M564.07M1.79B3.76B4.39B4.92B5.85B6.28B6.84B11.00B
Total Debt-3.58M29.76M39.24M37.44M623.28M598.38M1.93B1.86B4.71B8.29B9.33B11.86B29.63B
Net Debt-106.53M-58.47M-63.32M-192.15M-494.70M59.21M-1.19B-1.83B-2.54B-208.42M2.44B3.05B5.02B18.63B

Cash Flow

Currency: BRL2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-40.23M-214.29M-338.79M89.96M441.48M19.72M604.35M859.47M2.98B91.64M2.24B7.54B3.76B3.11B
Investing Cash Flow-1.62M837.00K-898.00K51.80M-131.65M-71.58M-32.02M-538.68M-5.05B-7.18B-187.65M-4.67B-7.73B-14.47B
Financing Cash Flow5.82M168.97M370.72M-4.58M-8.00M-7.38M499.89M1.24B1.11B5.43B-1.22B-38.68M683.04M13.87B
Capital Expenditure1.05M2.48M1.97M776.00K1.37M2.68M29.60M76.22M152.87M287.98M290.22M274.09M509.66M107.42M
Free Cash Flow-41.28M-216.77M-340.75M89.19M440.11M17.05M574.74M783.26M2.83B-196.34M1.95B7.27B3.25B3.00B
Dividends Paid515.00K86.00K-3.33M7.36M7.27M23.41M43.57M37.87M3.12M1.22B23.60M68.81M238.91M
FCF to OCF102.61%101.16%100.58%99.14%99.69%86.43%95.10%91.13%94.87%-214.24%87.05%96.37%86.44%96.54%
Dividend Paid to FCF-1.25%-0.04%-3.73%1.67%42.68%4.07%5.56%1.34%-1.59%62.62%0.32%2.12%7.97%

Earnings

Report DateMay 18, 2022Aug 14, 2022Nov 8, 2022Mar 13, 2023May 8, 2023Aug 14, 2023Nov 6, 2023Feb 7, 2024May 9, 2024Aug 7, 2024Nov 14, 2024Feb 6, 2025May 12, 2025Aug 6, 2025Nov 12, 2025Feb 11, 2026May 7, 2026Aug 5, 2026Nov 12, 2026
EPS Estimate0.010.010.020.060.010.020.050.070.080.090.100.110.120.130.150.160.170.170.19
EPS Actual0.000.01-0.010.080.010.020.050.080.080.080.090.110.120.130.140.160.180.19-
Surprise-81.00%2.04%-150.00%33.33%0.00%0.00%0.00%14.29%0.00%-11.11%-10.00%0.00%0.00%0.00%-6.67%0.00%5.88%11.76%-
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap2.23B
Enterprise Value16.37B
Trailing P/E7.75
Forward P/E10.79
Price / Sales0.33
Price / Book1.20
EPS0.65
Book Value4.61
Revenue (TTM)6.66B
Gross Profit (TTM)6.66B
Profit Margin22.92%
Operating Margin29.73%
Return on Equity16.20%
Return on Assets1.73%
Shares Outstanding325.79M
Shares Float246.21M
Beta0.95
Dividend Yield2.21%
Dividend Rate0.11
Payout Ratio16.87%

Analyst Ratings

Buy
Based on 10 analystsTarget 8.57
  • Strong Buy
    5
  • Buy
    3
  • Hold
    1
  • Strong Sell
    1

Ownership Breakdown

Institutions
41.75%
Insiders
23.66%
Retail / Other
34.59%

Top Institutional Holders

  • SoftBank Group Corp
    60.51M13.70%
  • WCM Investment Management
    10.44M2.36%
  • Squadra Investimentos Gestão de Recursos Ltda
    10.07M2.28%
  • BlackRock Inc
    8.28M1.87%
  • Atmos Capital Gestão de Recursos Ltda
    7.50M1.70%
  • Fidelity International Ltd
    6.99M1.58%
  • Marshall Wace Asset Management Ltd
    6.97M1.58%
  • Wellington Management Company LLP
    6.47M1.47%
  • Samlyn Capital, LLC
    6.11M1.38%
  • D. E. Shaw & Co LP
    4.99M1.13%
  • SEI Investments Co
    4.56M1.03%
  • Millennium Management LLC
    3.84M0.87%
  • Sharp Capital Gestora de Recursos Ltda.
    3.75M0.85%
  • SPX Gestao de Recursos Ltda
    3.41M0.77%
  • ClearBridge Advisors, LLC
    2.86M0.65%
  • Swedbank AB
    2.86M0.65%
  • Citadel Advisors Llc
    2.70M0.61%

Top Fund Holders

  • Jupiter Merian Glb Eq Abs Rt I USD Acc
    7.75M1.76%
  • iShares Core MSCI Emerging Markets ETF
    2.84M0.64%
  • Swedbank Robur Global Emerging Markets A
    2.16M0.49%

Dividends

20261×
0.11Feb 20, 2026
20251×
0.08Feb 14, 2025
20241×
0.03Apr 15, 2024