Logo image of INTR

INTER & CO INC - CL A (INTR) Stock Fundamental Analysis

USA - NASDAQ:INTR - KYG4R20B1074 - Common Stock

9.19 USD
+0.05 (+0.55%)
Last: 10/28/2025, 8:01:02 PM
9.1 USD
-0.09 (-0.98%)
Pre-Market: 10/29/2025, 8:53:54 AM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to INTR. INTR was compared to 390 industry peers in the Banks industry. INTR has a medium profitability rating, but doesn't score so well on its financial health evaluation. INTR is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

INTR had positive earnings in the past year.
In the past year INTR had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: INTR reported negative net income in multiple years.
Each year in the past 5 years INTR had a positive operating cash flow.
INTR Yearly Net Income VS EBIT VS OCF VS FCFINTR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

1.2 Ratios

INTR has a Return On Assets of 1.32%. This is amongst the best in the industry. INTR outperforms 84.62% of its industry peers.
The Return On Equity of INTR (12.05%) is better than 82.31% of its industry peers.
Industry RankSector Rank
ROA 1.32%
ROE 12.05%
ROIC N/A
ROA(3y)0.55%
ROA(5y)0.31%
ROE(3y)4.7%
ROE(5y)2.38%
ROIC(3y)N/A
ROIC(5y)N/A
INTR Yearly ROA, ROE, ROICINTR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 14.74%, INTR is doing worse than 75.64% of the companies in the same industry.
In the last couple of years the Profit Margin of INTR has grown nicely.
The Operating Margin and Gross Margin are not available for INTR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 14.74%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y30.93%
GM growth 3YN/A
GM growth 5YN/A
INTR Yearly Profit, Operating, Gross MarginsINTR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 5 10

2

2. Health

2.1 Basic Checks

INTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for INTR has been increased compared to 1 year ago.
The number of shares outstanding for INTR has been increased compared to 5 years ago.
INTR has a worse debt/assets ratio than last year.
INTR Yearly Shares OutstandingINTR Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
INTR Yearly Total Debt VS Total AssetsINTR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

The Debt to FCF ratio of INTR is 1.96, which is an excellent value as it means it would take INTR, only 1.96 years of fcf income to pay off all of its debts.
INTR has a Debt to FCF ratio (1.96) which is in line with its industry peers.
A Debt/Equity ratio of 1.62 is on the high side and indicates that INTR has dependencies on debt financing.
With a Debt to Equity ratio value of 1.62, INTR is not doing good in the industry: 87.44% of the companies in the same industry are doing better.
Even though the debt/equity ratio score it not favorable for INTR, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 1.62
Debt/FCF 1.96
Altman-Z N/A
ROIC/WACCN/A
WACC9.94%
INTR Yearly LT Debt VS Equity VS FCFINTR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
INTR Yearly Current Assets VS Current LiabilitesINTR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

9

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 69.12% over the past year.
Measured over the past years, INTR shows a very strong growth in Earnings Per Share. The EPS has been growing by 76.94% on average per year.
The Revenue has grown by 34.01% in the past year. This is a very strong growth!
INTR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 53.46% yearly.
EPS 1Y (TTM)69.12%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%51.06%
Revenue 1Y (TTM)34.01%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%35.47%

3.2 Future

Based on estimates for the next years, INTR will show a very strong growth in Earnings Per Share. The EPS will grow by 36.57% on average per year.
The Revenue is expected to grow by 23.28% on average over the next years. This is a very strong growth
EPS Next Y53.52%
EPS Next 2Y43.42%
EPS Next 3Y36.57%
EPS Next 5YN/A
Revenue Next Year29.49%
Revenue Next 2Y25.67%
Revenue Next 3Y22.36%
Revenue Next 5Y23.28%

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
INTR Yearly Revenue VS EstimatesINTR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
INTR Yearly EPS VS EstimatesINTR Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 0 1 2 3 4 5

5

4. Valuation

4.1 Price/Earnings Ratio

INTR is valuated rather expensively with a Price/Earnings ratio of 19.55.
79.23% of the companies in the same industry are cheaper than INTR, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.00. INTR is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 11.61, the valuation of INTR can be described as reasonable.
Based on the Price/Forward Earnings ratio, INTR is valued a bit more expensive than the industry average as 63.08% of the companies are valued more cheaply.
INTR's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.87.
Industry RankSector Rank
PE 19.55
Fwd PE 11.61
INTR Price Earnings VS Forward Price EarningsINTR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

INTR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. INTR is cheaper than 96.92% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.8
EV/EBITDA N/A
INTR Per share dataINTR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

INTR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
INTR's earnings are expected to grow with 36.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.37
PEG (5Y)0.25
EPS Next 2Y43.42%
EPS Next 3Y36.57%

2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.15%, INTR has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.15, INTR pays less dividend than the industry average, which is at 3.50. 80.51% of the companies listed in the same industry pay a better dividend than INTR!
Compared to an average S&P500 Dividend Yield of 2.31, INTR's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.15%

5.2 History

INTR does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
INTR Yearly Dividends per shareINTR Yearly Dividends per shareYearly Dividends per share 2024 2025 0.02 0.04 0.06

5.3 Sustainability

INTR pays out 21.56% of its income as dividend. This is a sustainable payout ratio.
DP21.56%
EPS Next 2Y43.42%
EPS Next 3Y36.57%
INTR Yearly Income VS Free CF VS DividendINTR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B
INTR Dividend Payout.INTR Dividend Payout, showing the Payout Ratio.INTR Dividend Payout.PayoutRetained Earnings

INTER & CO INC - CL A

NASDAQ:INTR (10/28/2025, 8:01:02 PM)

Premarket: 9.1 -0.09 (-0.98%)

9.19

+0.05 (+0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-13 2025-11-13/bmo
Inst Owners23.09%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.03B
Revenue(TTM)7.60B
Net Income(TTM)1.12B
Analysts81.33
Price Target8.45 (-8.05%)
Short Float %2.47%
Short Ratio3.07
Dividend
Industry RankSector Rank
Dividend Yield 1.15%
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP21.56%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-14 2025-02-14 (0.08)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.64%
Min EPS beat(2)-6.67%
Max EPS beat(2)-0.6%
EPS beat(4)1
Avg EPS beat(4)-1.17%
Min EPS beat(4)-6.67%
Max EPS beat(4)3.68%
EPS beat(8)4
Avg EPS beat(8)0.11%
EPS beat(12)6
Avg EPS beat(12)-34.02%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-3.61%
Min Revenue beat(2)-6.52%
Max Revenue beat(2)-0.69%
Revenue beat(4)2
Avg Revenue beat(4)-0.56%
Min Revenue beat(4)-6.52%
Max Revenue beat(4)4.3%
Revenue beat(8)3
Avg Revenue beat(8)-0.58%
Revenue beat(12)5
Avg Revenue beat(12)-0.6%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)13.24%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)-1.16%
EPS NY rev (1m)-0.69%
EPS NY rev (3m)-2.25%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)-0.92%
Revenue NY rev (1m)0.64%
Revenue NY rev (3m)1.78%
Valuation
Industry RankSector Rank
PE 19.55
Fwd PE 11.61
P/S 2.86
P/FCF 2.8
P/OCF 2.68
P/B 2.34
P/tB 2.96
EV/EBITDA N/A
EPS(TTM)0.47
EY5.11%
EPS(NY)0.79
Fwd EY8.62%
FCF(TTM)3.28
FCFY35.68%
OCF(TTM)3.44
OCFY37.38%
SpS3.22
BVpS3.94
TBVpS3.1
PEG (NY)0.37
PEG (5Y)0.25
Graham Number6.45
Profitability
Industry RankSector Rank
ROA 1.32%
ROE 12.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.74%
GM N/A
FCFM 101.9%
ROA(3y)0.55%
ROA(5y)0.31%
ROE(3y)4.7%
ROE(5y)2.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y30.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.62
Debt/FCF 1.96
Debt/EBITDA N/A
Cap/Depr 142.81%
Cap/Sales 4.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 691.32%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC9.94%
ROIC/WACCN/A
Cap/Depr(3y)195.03%
Cap/Depr(5y)285.97%
Cap/Sales(3y)6.96%
Cap/Sales(5y)9.06%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)69.12%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%51.06%
EPS Next Y53.52%
EPS Next 2Y43.42%
EPS Next 3Y36.57%
EPS Next 5YN/A
Revenue 1Y (TTM)34.01%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%35.47%
Revenue Next Year29.49%
Revenue Next 2Y25.67%
Revenue Next 3Y22.36%
Revenue Next 5Y23.28%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-26.48%
EBIT Next 3Y-0.25%
EBIT Next 5YN/A
FCF growth 1Y134.1%
FCF growth 3YN/A
FCF growth 5Y35.24%
OCF growth 1Y123.13%
OCF growth 3Y244.93%
OCF growth 5Y36.56%

INTER & CO INC - CL A / INTR FAQ

Can you provide the ChartMill fundamental rating for INTER & CO INC - CL A?

ChartMill assigns a fundamental rating of 5 / 10 to INTR.


What is the valuation status of INTER & CO INC - CL A (INTR) stock?

ChartMill assigns a valuation rating of 5 / 10 to INTER & CO INC - CL A (INTR). This can be considered as Fairly Valued.


What is the profitability of INTR stock?

INTER & CO INC - CL A (INTR) has a profitability rating of 4 / 10.


What is the valuation of INTER & CO INC - CL A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for INTER & CO INC - CL A (INTR) is 19.55 and the Price/Book (PB) ratio is 2.34.


How sustainable is the dividend of INTER & CO INC - CL A (INTR) stock?

The dividend rating of INTER & CO INC - CL A (INTR) is 2 / 10 and the dividend payout ratio is 21.56%.