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

NASDAQ:INTR - KYG4R20B1074 - Common Stock

8.77 USD
+0.33 (+3.91%)
Last: 9/5/2025, 8:22:48 PM
8.77 USD
0 (0%)
After Hours: 9/5/2025, 8:22:48 PM
Fundamental Rating

4

Overall INTR gets a fundamental rating of 4 out of 10. We evaluated INTR against 391 industry peers in the Banks industry. Both the profitability and financial health of INTR have multiple concerns. INTR is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year INTR was profitable.
INTR had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: INTR reported negative net income in multiple years.
INTR had a positive operating cash flow in each of the past 5 years.
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's Return On Assets of 1.25% is amongst the best of the industry. INTR outperforms 82.58% of its industry peers.
INTR's Return On Equity of 11.36% is fine compared to the rest of the industry. INTR outperforms 78.79% of its industry peers.
Industry RankSector Rank
ROA 1.25%
ROE 11.36%
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

The Profit Margin of INTR (14.43%) is worse than 75.25% of its industry peers.
INTR's Profit Margin has improved in the last couple of years.
INTR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 14.43%
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

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1

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.
INTR has more shares outstanding than it did 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

INTR has a debt to FCF ratio of 2.64. This is a good value and a sign of high solvency as INTR would need 2.64 years to pay back of all of its debts.
INTR has a Debt to FCF ratio of 2.64. This is comparable to the rest of the industry: INTR outperforms 41.67% of its industry peers.
A Debt/Equity ratio of 1.67 is on the high side and indicates that INTR has dependencies on debt financing.
INTR has a worse Debt to Equity ratio (1.67) than 87.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.67
Debt/FCF 2.64
Altman-Z N/A
ROIC/WACCN/A
WACC9.98%
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

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9

3. Growth

3.1 Past

INTR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 69.12%, which is quite impressive.
INTR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 76.94% yearly.
The Revenue has grown by 32.00% in the past year. This is a very strong growth!
Measured over the past years, INTR shows a very strong growth in Revenue. The Revenue has been growing by 53.46% on average per year.
EPS 1Y (TTM)69.12%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%51.06%
Revenue 1Y (TTM)32%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%35.47%

3.2 Future

The Earnings Per Share is expected to grow by 36.07% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 23.31% on average over the next years. This is a very strong growth
EPS Next Y53.66%
EPS Next 2Y43.85%
EPS Next 3Y36.07%
EPS Next 5YN/A
Revenue Next Year28.5%
Revenue Next 2Y24.93%
Revenue Next 3Y21.78%
Revenue Next 5Y23.31%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 18.66 indicates a rather expensive valuation of INTR.
Based on the Price/Earnings ratio, INTR is valued a bit more expensive than the industry average as 77.02% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of INTR to the average of the S&P500 Index (27.06), we can say INTR is valued slightly cheaper.
The Price/Forward Earnings ratio is 11.11, which indicates a very decent valuation of INTR.
INTR's Price/Forward Earnings ratio is in line with the industry average.
INTR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.69.
Industry RankSector Rank
PE 18.66
Fwd PE 11.11
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of INTR indicates a rather cheap valuation: INTR is cheaper than 94.19% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.67
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.
A more expensive valuation may be justified as INTR's earnings are expected to grow with 36.07% in the coming years.
PEG (NY)0.35
PEG (5Y)0.24
EPS Next 2Y43.85%
EPS Next 3Y36.07%

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2

5. Dividend

5.1 Amount

INTR has a Yearly Dividend Yield of 1.30%.
INTR's Dividend Yield is slightly below the industry average, which is at 3.56.
Compared to an average S&P500 Dividend Yield of 2.45, INTR's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.3%

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 28.48% of its income as dividend. This is a sustainable payout ratio.
DP28.48%
EPS Next 2Y43.85%
EPS Next 3Y36.07%
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

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INTER & CO INC - CL A

NASDAQ:INTR (9/5/2025, 8:22:48 PM)

After market: 8.77 0 (0%)

8.77

+0.33 (+3.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)N/A N/A
Inst Owners28.9%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.85B
Analysts81.33
Price Target8.45 (-3.65%)
Short Float %5.28%
Short Ratio4.98
Dividend
Industry RankSector Rank
Dividend Yield 1.3%
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP28.48%
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)-3.88%
Min EPS beat(2)-6.67%
Max EPS beat(2)-1.08%
EPS beat(4)2
Avg EPS beat(4)-0.37%
Min EPS beat(4)-6.67%
Max EPS beat(4)3.68%
EPS beat(8)5
Avg EPS beat(8)5.51%
EPS beat(12)7
Avg EPS beat(12)-28.48%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-2.92%
Min Revenue beat(2)-6.52%
Max Revenue beat(2)0.68%
Revenue beat(4)2
Avg Revenue beat(4)-0.49%
Min Revenue beat(4)-6.52%
Max Revenue beat(4)4.3%
Revenue beat(8)3
Avg Revenue beat(8)-0.85%
Revenue beat(12)6
Avg Revenue beat(12)-0.45%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)13.05%
PT rev (3m)18.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.66%
EPS NY rev (1m)-2.17%
EPS NY rev (3m)-2.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.61%
Revenue NY rev (1m)1.1%
Revenue NY rev (3m)1.08%
Valuation
Industry RankSector Rank
PE 18.66
Fwd PE 11.11
P/S 2.98
P/FCF 3.67
P/OCF 3.35
P/B 2.35
P/tB 2.99
EV/EBITDA N/A
EPS(TTM)0.47
EY5.36%
EPS(NY)0.79
Fwd EY9%
FCF(TTM)2.39
FCFY27.25%
OCF(TTM)2.62
OCFY29.85%
SpS2.94
BVpS3.74
TBVpS2.93
PEG (NY)0.35
PEG (5Y)0.24
Profitability
Industry RankSector Rank
ROA 1.25%
ROE 11.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.43%
GM N/A
FCFM 81.24%
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
ROICexcg growth 3YN/A
ROICexcg 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 1.67
Debt/FCF 2.64
Debt/EBITDA N/A
Cap/Depr 231.56%
Cap/Sales 7.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 563.03%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC9.98%
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 Y53.66%
EPS Next 2Y43.85%
EPS Next 3Y36.07%
EPS Next 5YN/A
Revenue 1Y (TTM)32%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%35.47%
Revenue Next Year28.5%
Revenue Next 2Y24.93%
Revenue Next 3Y21.78%
Revenue Next 5Y23.31%
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 1Y242.1%
FCF growth 3YN/A
FCF growth 5Y35.24%
OCF growth 1Y228.44%
OCF growth 3Y244.93%
OCF growth 5Y36.56%