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

USA - NASDAQ:INTR - KYG4R20B1074 - Common Stock

8.805 USD
-0.01 (-0.06%)
Last: 10/3/2025, 10:40:03 AM
Fundamental Rating

4

Taking everything into account, INTR scores 4 out of 10 in our fundamental rating. INTR was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of INTR have multiple concerns. INTR is not priced too expensively while it is growing strongly. 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.
In the past 5 years INTR always reported a positive cash flow from operatings.
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 1.25%. This is amongst the best in the industry. INTR outperforms 82.40% of its industry peers.
Looking at the Return On Equity, with a value of 11.36%, INTR is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
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

Looking at the Profit Margin, with a value of 14.43%, INTR is doing worse than 75.51% of the companies in the same industry.
In the last couple of years the Profit Margin of INTR has grown nicely.
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.
INTR has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, INTR has more shares outstanding
The debt/assets ratio for INTR is higher compared to a year ago.
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.
The Debt to FCF ratio of INTR (2.64) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.67 is on the high side and indicates that INTR has dependencies on debt financing.
INTR has a Debt to Equity ratio of 1.67. This is amonst the worse of the industry: INTR underperforms 87.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.67
Debt/FCF 2.64
Altman-Z N/A
ROIC/WACCN/A
WACC10%
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

The Earnings Per Share has grown by an impressive 69.12% over the past year.
INTR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 76.94% yearly.
Looking at the last year, INTR shows a very strong growth in Revenue. The Revenue has grown by 32.00%.
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)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 36.94% on average over the next years. This is a very strong growth
Based on estimates for the next years, INTR will show a very strong growth in Revenue. The Revenue will grow by 23.28% on average per year.
EPS Next Y54.59%
EPS Next 2Y44.13%
EPS Next 3Y36.94%
EPS Next 5YN/A
Revenue Next Year28.67%
Revenue Next 2Y25.18%
Revenue Next 3Y22.17%
Revenue Next 5Y23.28%

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.
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

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 18.34, INTR is valued on the expensive side.
77.55% 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 27.86. INTR is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 10.88 indicates a reasonable valuation of INTR.
INTR's Price/Forward Earnings ratio is in line with the industry average.
INTR is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.29, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 18.34
Fwd PE 10.88
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 94.64% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.61
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 36.94% in the coming years.
PEG (NY)0.34
PEG (5Y)0.24
EPS Next 2Y44.13%
EPS Next 3Y36.94%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.20%, INTR has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.20, INTR pays less dividend than the industry average, which is at 3.52. 80.36% of the companies listed in the same industry pay a better dividend than INTR!
With a Dividend Yield of 1.20, INTR pays less dividend than the S&P500 average, which is at 2.41.
Industry RankSector Rank
Dividend Yield 1.2%

5.2 History

INTR is new to the dividend game and has less than 3 years of track record.
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 2Y44.13%
EPS Next 3Y36.94%
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 (10/3/2025, 10:40:03 AM)

8.805

-0.01 (-0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)N/A N/A
Inst Owners23.09%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.87B
Analysts81.33
Price Target8.45 (-4.03%)
Short Float %2.45%
Short Ratio2.46
Dividend
Industry RankSector Rank
Dividend Yield 1.2%
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)1.22%
PT rev (3m)18.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.66%
EPS NY rev (1m)0.6%
EPS NY rev (3m)-1.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.61%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)1.34%
Valuation
Industry RankSector Rank
PE 18.34
Fwd PE 10.88
P/S 2.93
P/FCF 3.61
P/OCF 3.29
P/B 2.31
P/tB 2.94
EV/EBITDA N/A
EPS(TTM)0.48
EY5.45%
EPS(NY)0.81
Fwd EY9.19%
FCF(TTM)2.44
FCFY27.72%
OCF(TTM)2.67
OCFY30.36%
SpS3
BVpS3.82
TBVpS2.99
PEG (NY)0.34
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
WACC10%
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 Y54.59%
EPS Next 2Y44.13%
EPS Next 3Y36.94%
EPS Next 5YN/A
Revenue 1Y (TTM)32%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%35.47%
Revenue Next Year28.67%
Revenue Next 2Y25.18%
Revenue Next 3Y22.17%
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 1Y242.1%
FCF growth 3YN/A
FCF growth 5Y35.24%
OCF growth 1Y228.44%
OCF growth 3Y244.93%
OCF growth 5Y36.56%