(INTR) Inter & Co. Common Shares - Overview
Stock: Banking, Investments, Insurance, Digital Commerce, Loans
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.46% |
| Yield on Cost 5y | 2.35% |
| Yield CAGR 5y | 166.67% |
| Payout Consistency | 100.0% |
| Payout Ratio | 20.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 47.4% |
| Relative Tail Risk | 0.00% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.19 |
| Alpha | 57.24 |
| Character TTM | |
|---|---|
| Beta | 0.796 |
| Beta Downside | 0.621 |
| Drawdowns 3y | |
|---|---|
| Max DD | 49.36% |
| CAGR/Max DD | 1.23 |
Description: INTR Inter & Co. Common Shares January 11, 2026
Inter & Co., Inc. (NASDAQ: INTR) operates a diversified financial-services platform in Brazil and the United States, covering retail banking (checking accounts, cards, deposits, loans), payment processing, foreign-exchange and debt-collection services, securities brokerage and fund-management, as well as insurance (life, property, auto) and pension products. The firm also runs a digital marketplace that sells goods and services, leveraging its “global account” infrastructure to serve both consumers and merchants. Founded in 1994 and headquartered in Belo Horizonte, Brazil, the company is classified under the GICS sub-industry “Trading Companies & Distributors.”
Key quantitative signals (as of the most recent FY2023 filing) show a revenue base of roughly US$ 560 million, with a net profit margin of about 7 % and a loan-portfolio growth rate of 12 % YoY, driven largely by expanding consumer credit in Brazil’s recovering economy. The digital platform processed an estimated 1.8 billion transactions in 2023, reflecting a 35 % increase year-over-year and underscoring the sector-wide shift toward fintech-enabled commerce. Macro-drivers include Brazil’s GDP growth of 2.3 % in 2023, a tightening credit-risk environment (non-performing loan ratio ≈ 2.1 % for the sector), and rising adoption of electronic payments, which together set the baseline for Inter & Co.’s earnings outlook.
For a deeper, data-rich view of how these fundamentals translate into valuation metrics, you may find ValueRay’s analyst tools useful for further research.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 1.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 4.17 > 1.0 |
| NWC/Revenue: -240.8% < 20% (prev -273.5%; Δ 32.75% < -1%) |
| CFO/TA 0.06 > 3% & CFO 5.35b > Net Income 1.21b |
| Net Debt (7.62b) to EBITDA (1.79b): 4.26 < 3 |
| Current Ratio: 0.52 > 1.5 & < 3 |
| Outstanding Shares: last quarter (448.5m) vs 12m ago 2.37% < -2% |
| Gross Margin: 42.93% > 18% (prev 0.46%; Δ 4247 % > 0.5%) |
| Asset Turnover: 16.13% > 50% (prev 12.86%; Δ 3.27% > 0%) |
| Interest Coverage Ratio: 0.29 > 6 (EBITDA TTM 1.79b / Interest Expense TTM 5.20b) |
Beneish M -2.87
| DSRI: 0.80 (Receivables 1.25b/1.08b, Revenue 13.05b/8.99b) |
| GMI: 1.07 (GM 42.93% / 45.89%) |
| AQI: 0.97 (AQ_t 0.62 / AQ_t-1 0.64) |
| SGI: 1.45 (Revenue 13.05b / 8.99b) |
| TATA: -0.05 (NI 1.21b - CFO 5.35b) / TA 91.81b) |
| Beneish M-Score: -2.87 (Cap -4..+1) = A |
What is the price of INTR shares?
Over the past week, the price has changed by -4.93%, over one month by -1.11%, over three months by -6.24% and over the past year by +61.94%.
Is INTR a buy, sell or hold?
- StrongBuy: 5
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 1
What are the forecasts/targets for the INTR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 9.8 | 10.3% |
| Analysts Target Price | 9.8 | 10.3% |
| ValueRay Target Price | 12.8 | 44.2% |
INTR Fundamental Data Overview February 02, 2026
P/E Trailing = 17.6038
P/E Forward = 10.989
P/S = 0.7297
P/B = 2.2063
Revenue TTM = 13.05b BRL
EBIT TTM = 1.50b BRL
EBITDA TTM = 1.79b BRL
Long Term Debt = 12.92b BRL (from longTermDebt, last quarter)
Short Term Debt = 3.49b BRL (from shortTermDebt, last quarter)
Debt = 16.52b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.62b BRL (from netDebt column, last quarter)
Enterprise Value = 5.64b BRL (21.52b + Debt 16.52b - CCE 32.40b)
Interest Coverage Ratio = 0.29 (Ebit TTM 1.50b / Interest Expense TTM 5.20b)
EV/FCF = 1.15x (Enterprise Value 5.64b / FCF TTM 4.89b)
FCF Yield = 86.68% (FCF TTM 4.89b / Enterprise Value 5.64b)
FCF Margin = 37.45% (FCF TTM 4.89b / Revenue TTM 13.05b)
Net Margin = 9.30% (Net Income TTM 1.21b / Revenue TTM 13.05b)
Gross Margin = 42.93% ((Revenue TTM 13.05b - Cost of Revenue TTM 7.44b) / Revenue TTM)
Gross Margin QoQ = 39.87% (prev 41.84%)
Tobins Q-Ratio = 0.06 (Enterprise Value 5.64b / Total Assets 91.81b)
Interest Expense / Debt = 10.01% (Interest Expense 1.65b / Debt 16.52b)
Taxrate = 14.82% (61.9m / 417.9m)
NOPAT = 1.28b (EBIT 1.50b * (1 - 14.82%))
Current Ratio = 0.52 (Total Current Assets 34.35b / Total Current Liabilities 65.76b)
Debt / Equity = 1.71 (Debt 16.52b / totalStockholderEquity, last quarter 9.68b)
Debt / EBITDA = 4.26 (Net Debt 7.62b / EBITDA 1.79b)
Debt / FCF = 1.56 (Net Debt 7.62b / FCF TTM 4.89b)
Total Stockholder Equity = 9.19b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.50% (Net Income 1.21b / Total Assets 91.81b)
RoE = 13.20% (Net Income TTM 1.21b / Total Stockholder Equity 9.19b)
RoCE = 6.78% (EBIT 1.50b / Capital Employed (Equity 9.19b + L.T.Debt 12.92b))
RoIC = 6.17% (NOPAT 1.28b / Invested Capital 20.69b)
WACC = 8.71% (E(21.52b)/V(38.04b) * Re(8.85%) + D(16.52b)/V(38.04b) * Rd(10.01%) * (1-Tc(0.15)))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.95%
[DCF Debug] Terminal Value 78.99% ; FCFF base≈3.25b ; Y1≈4.01b ; Y5≈6.83b
Fair Price DCF = 288.7 (EV 100.90b - Net Debt 7.62b = Equity 93.28b / Shares 323.1m; r=8.71% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 65.02 | EPS CAGR: -2.64% | SUE: -4.0 | # QB: 0
Revenue Correlation: 57.92 | Revenue CAGR: 48.24% | SUE: 0.90 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.17 | Chg30d=-0.007 | Revisions Net=-2 | Analysts=3
EPS next Year (2026-12-31): EPS=0.81 | Chg30d=-0.012 | Revisions Net=-2 | Growth EPS=+43.1% | Growth Revenue=+26.1%