INTR Stock Analysis: Inter & Co. Common Shares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.481m USD | 12M Return: -13.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 26.2M
EPS Trend: 97.1%
Qual. Beats: 1
Rev. Trend: 98.4%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 4 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Inter & Co, Inc. (NASDAQ: INTR) is a Brazilian-headquartered financial services and digital commerce company operating in Brazil and the United States. Founded in 1994 and based in Belo Horizonte, the company runs a multi-vertical platform spanning banking and spending (checking accounts, cards, deposits, loans, and foreign exchange), investments (securities brokerage, custody, and fund management), insurance brokerage (warranties, life, property, auto, and pension/consortium products), and an e-commerce marketplace (Inter Shop) for goods and services. The company has been publicly listed on Nasdaq since June 2022.
The business follows a super-app or digital financial ecosystem model common among Latin American fintechs, bundling banking, brokerage, insurance, and commerce into a single platform to drive cross-selling and user engagement. Brazil has been one of the most developed fintech markets in Latin America, with a high share of digital-only bank accounts and a regulator (the Central Bank of Brazil) that has actively promoted open banking and instant payments, supporting the growth of platforms like Inter & Co.
- Brazilian Selic rate cuts pressure net interest margin
- Loan portfolio expansion drives revenue but lifts credit costs
- Nubank competition intensifies in Brazilian digital banking market
| Net Income: 1.42b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA -1.71 > 1.0 |
| NWC/Revenue: -75.80% < 20% (prev -258.7%; Δ 182.9% < -1%) |
| CFO/TA 0.03 > 3% & CFO 3.25b > Net Income 1.42b |
| Net Debt (21.7b) to EBITDA (2.11b): 10.27 < 3 |
| Current Ratio: 0.45 > 1.5 & < 3 |
| Outstanding Shares: last quarter (445.6m) vs 12m ago 1.30% < -2% |
| Gross Margin: 40.63% > 18% (prev 46.45%; Δ -5.81% > 0.5%) |
| Asset Turnover: 17.44% > 50% (prev 13.12%; Δ 4.32% > 0%) |
| Interest Coverage Ratio: 0.27 > 6 (EBIT TTM 1.74b / Interest Expense TTM 6.55b) |
| DSRI: 0.24 (Receivables 311.1m/890.4m, Revenue 15.6b/10.6b) |
| GMI: 1.14 (GM 46.45% / 40.63%) |
| AQI: 1.44 (AQ_t 0.90 / AQ_t-1 0.62) |
| SGI: 1.47 (Revenue 15.6b / 10.6b) |
| TATA: -0.02 (NI 1.42b - CFO 3.25b) / TA 97.9b) |
| Beneish M = -2.92 (Cap -4..+1) = A |
As of July 28, 2026, the stock is trading at USD 5.56 with a total of 2,992,644 shares traded. Over the past week, the price has changed by -1.07%, over one month by +3.35%, over three months by -29.17% and over the past year by -13.91%.
Current recommended Stop Loss: 5.10 (which is 8.3% or 1.9 ATR below the current price).
Inter & Co. Common Shares has received a consensus analysts rating of 4.10. Therefore, it is recommended to buy INTR.
- StrongBuy: 5
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 9.3 | 67.8% |
Market Cap BRL = 12.6b (2.48b USD * 5.0842 USD.BRL)
P/E Trailing = 8.6462
P/E Forward = 9.7943
P/S = 0.3751
P/B = 1.2051
Revenue TTM = 15.6b BRL
EBIT TTM = 1.74b BRL
EBITDA TTM = 2.11b BRL
Long Term Debt = 15.4b BRL (from longTermDebt, last quarter)
Short Term Debt = 21.4b BRL (from shortTermDebt, last quarter)
Debt = 31.3b BRL (from shortLongTermDebtTotal, last quarter) + Leases 111.3m
Net Debt = 21.7b BRL (calculated: Debt 31.3b - CCE 9.63b)
Enterprise Value = 34.3b BRL (12.6b + Debt 31.3b - CCE 9.63b)
Interest Coverage Ratio = 0.27 (Ebit TTM 1.74b / Interest Expense TTM 6.55b)
EV/FCF = 11.29x (Enterprise Value 34.3b / FCF TTM 3.04b)
FCF Yield = 8.86% (FCF TTM 3.04b / Enterprise Value 34.3b)
FCF Margin = 19.53% (FCF TTM 3.04b / Revenue TTM 15.6b)
Net Margin = 9.13% (Net Income TTM 1.42b / Revenue TTM 15.6b)
Gross Margin = 40.63% ((Revenue TTM 15.6b - Cost of Revenue TTM 9.23b) / Revenue TTM)
Gross Margin QoQ = 39.59% (prev 41.41%)
Tobins Q-Ratio = 0.35 (Enterprise Value 34.3b / Total Assets 97.9b)
Interest Expense / Debt = 20.92% (Interest Expense 6.55b / Debt 31.3b)
Taxrate = 13.52% (235.7m / 1.74b)
NOPAT = 1.51b (EBIT 1.74b * (1 - 13.52%))
Current Ratio = 0.45 (Total Current Assets 9.63b / Total Current Liabilities 21.4b)
Debt / Equity = 3.11 (Debt 31.3b / totalStockholderEquity, last quarter 10.1b)
Debt / EBITDA = 10.27 (Net Debt 21.7b / EBITDA 2.11b)
Debt / FCF = 7.13 (Net Debt 21.7b / FCF TTM 3.04b)
Total Stockholder Equity = 9.80b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 1.42b / Total Assets 97.9b)
RoE = 14.50% (Net Income TTM 1.42b / Total Stockholder Equity 9.80b)
RoCE = 6.91% (EBIT 1.74b / Capital Employed (Equity 9.80b + L.T.Debt 15.4b))
RoIC = 1.55% (NOPAT 1.51b / Invested Capital 97.1b)
WACC = 15.72% (E(12.6b)/V(43.9b) * Re(9.81%) + D(31.3b)/V(43.9b) * Rd(20.92%) * (1-Tc(0.14)))
Discount Rate = 9.81% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 80.89 | Cagr: 4.09%
[DCF] Terminal Value 50.78% ; FCFF base≈3.37b ; Y1≈2.96b ; Y5≈2.39b
[DCF] Fair Price = N/A (negative equity: EV 17.6b - Net Debt 21.7b = -4.07b; debt exceeds intrinsic value)
EPS Correlation: 97.12 | EPS CAGR: 83.46% | SUE: 1.93 | # QB: 1
Revenue Correlation: 98.44 | Revenue CAGR: 45.76% | SUE: 1.02 | # QB: 3
EPS current Quarter (2026-06-30): EPS=0.19 | Chg30d=-0.16% | Revisions=+17% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.20 | Chg30d=-0.83% | Revisions=-17% | Analysts=3
EPS current Year (2026-12-31): EPS=0.79 | Chg30d=-0.69% | Revisions=-25% | GrowthEPS=+39.5% | GrowthRev=+26.6%
EPS next Year (2027-12-31): EPS=1.03 | Chg30d=-1.05% | Revisions=+0% | GrowthEPS=+30.0% | GrowthRev=+21.6%
[Analyst] Revisions Ratio: -7% (up=5, down=6)