INTR

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Inter & Co. Inc.

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Key Metrics

Previous Close: $5.32
52-Week Range: $5.04 – $10.36
Market Cap: $2.30B
P/E (TTM): 7.88
EPS (TTM): 0.66
Dividend Yield: 2.13%

Advanced Metrics

Price/Book: 1.13
PEG Ratio: —
Return on Equity: 16.20%
Return on Assets: 1.73%
Gross Margin: 0.00%
Operating Margin: 29.73%
Profit Margin: 22.92%
Current Ratio: —
Debt/Equity: —
Total Debt: $20.30B
Free Cash Flow: —
Revenue Growth: 23.80%
Earnings Growth: 32.40%
Enterprise Value: $16.49B

INTR Income statement, annual periods, in BRL
BRL	FY2022	FY2023	FY2024	FY2025
Revenue	$3.56B	$4.75B	$6.40B	$8.40B
Selling, General & Admin	$2.20B	$2.21B	$2.66B	$3.23B
Pretax Income	-$178.57M	$439.84M	$1.21B	$1.62B
Income Tax	-$164.49M	$87.58M	$232.71M	$226.87M
Net Income	-$11.09M	$302.34M	$907.13M	$1.31B
Diluted EPS	-0.03	0.75	2.07	2.96
Diluted Shares	401.16M	401.89M	438.23M	443.38M

INTR Balance Sheet statement, annual periods, in BRL
BRL	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$5.85B	$6.28B	$6.84B	$11.27B
Receivables	$469.00M	$834.93M	$1.19B	$1.41B
Total Assets	$46.34B	$60.35B	$76.43B	$98.61B
Long-Term Debt	$6.24B	$8.20B	$10.02B	$14.94B
Total Debt	$6.39B	$8.32B	$10.13B	$15.06B
Total Liabilities	$39.25B	$52.76B	$67.36B	$88.22B
Shareholders' Equity	$6.99B	$7.47B	$8.90B	$10.17B
Net Debt	$390.30M	$1.92B	$3.18B	$3.67B

INTR Cash Flow statement, annual periods, in BRL
BRL	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$2.10B	$7.54B	$3.76B	$7.73B
Capital Expenditure	-$279.10M	-$274.09M	-$509.66M	-$570.06M
Free Cash Flow	$1.82B	$7.27B	$3.25B	$7.16B
Depreciation & Amortisation	$163.97M	$160.44M	$208.83M	$340.73M
Investing Cash Flow	-$50.81M	-$4.67B	-$7.73B	-$4.90B
Financing Cash Flow	-$1.22B	-$38.68M	$683.04M	-$269.39M
Dividends Paid	-$38.06M	$0.00	-$68.81M	-$203.59M
Share Repurchases	$0.00	-$16.41M	-$18.95M	-$27.11M
Net Change in Cash	$831.42M	$2.84B	-$3.29B	$2.56B

INTR Income statement, quarterly periods, in BRL
BRL	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$1.84B	$2.00B	$2.16B	$2.40B	$2.44B
Selling, General & Admin	$751.31M	$780.76M	$815.17M	$887.66M	$883.22M
Pretax Income	$357.55M	$383.53M	$417.93M	$465.19M	$477.12M
Income Tax	$50.76M	$51.36M	$61.92M	$62.83M	$59.57M
Net Income	$286.59M	$315.13M	$336.35M	$374.39M	$394.79M
Diluted EPS	0.65	0.71	0.75	—	0.89
Diluted Shares	442.78M	443.85M	448.46M	—	445.60M

INTR Balance Sheet statement, quarterly periods, in BRL
BRL	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$7.10B	$7.47B	$8.90B	$11.27B	$10.30B
Receivables	$890.42M	$1.39B	$1.25B	$1.41B	$936.19M
Total Assets	$80.56B	$84.73B	$91.81B	$98.61B	$99.07B
Long-Term Debt	$11.10B	$11.95B	$12.92B	$14.94B	$15.42B
Total Debt	$11.20B	$12.08B	$13.04B	$15.06B	$15.85B
Total Liabilities	$71.55B	$75.35B	$82.00B	$88.22B	$88.66B
Shareholders' Equity	$8.90B	$9.29B	$9.68B	$10.17B	$10.19B
Net Debt	$4.00B	$4.48B	$4.02B	$3.67B	$5.44B

INTR Cash Flow statement, quarterly periods, in BRL
BRL	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$1.34B	$2.56B	$3.97B	-$145.30M	$1.45B
Capital Expenditure	-$148.03M	-$154.46M	-$129.21M	-$138.37M	-$154.46M
Free Cash Flow	$1.19B	$2.41B	$3.84B	-$283.67M	$1.30B
Depreciation & Amortisation	$67.44M	$76.63M	$84.52M	$112.13M	$93.37M
Investing Cash Flow	-$720.74M	$822.05M	-$3.12B	-$1.88B	-$672.07M
Financing Cash Flow	-$288.51M	-$25.29M	-$22.69M	$67.09M	-$282.89M
Dividends Paid	-$208.15M	$4.55M	$0.00	$0.00	-$293.90M
Share Repurchases	—	—	$0.00	$0.00	—
Net Change in Cash	$333.71M	$3.36B	$826.79M	-$1.96B	$498.63M

Market Snapshot

About

Inter & Co. Inc. is a Brazilian digital banking and financial services platform offering a comprehensive suite of products to individual and business customers. The company operates through a fully digital model, providing banking services, credit cards, investments, insurance, and payments solutions via mobile and web applications. Inter has grown rapidly in Brazil by offering zero-fee banking and a customer-centric approach that leverages technology for efficiency. The company has expanded internationally and continues to add new services to its super-app ecosystem, aiming to be a one-stop financial services platform.