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

NASDAQ:INTR • KYG4R20B1074

Current stock price

8 USD
+0.01 (+0.13%)
At close:
8 USD
0 (0%)
After Hours:

This INTR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. INTR Profitability Analysis

1.1 Basic Checks

  • In the past year INTR was profitable.
  • In the past year INTR had a positive cash flow from operations.
  • In multiple years INTR reported negative net income over the last 5 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 2025 0 2B 4B 6B

1.2 Ratios

  • The Return On Assets of INTR (1.33%) is better than 81.38% of its industry peers.
  • INTR has a Return On Equity of 12.91%. This is amongst the best in the industry. INTR outperforms 85.37% of its industry peers.
Industry RankSector Rank
ROA 1.33%
ROE 12.91%
ROIC N/A
ROA(3y)1.01%
ROA(5y)0.56%
ROE(3y)9.05%
ROE(5y)4.85%
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 2025 0 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 15.16%, INTR is doing worse than 82.18% 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) 15.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y60.5%
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 2025 0 5 10 15

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1

2. INTR Health Analysis

2.1 Basic Checks

  • INTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, INTR has more shares outstanding
  • The number of shares outstanding for INTR has been increased compared to 5 years ago.
  • 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 2025 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 2025 20B 40B 60B 80B

2.2 Solvency

  • INTR has a debt to FCF ratio of 2.53. This is a good value and a sign of high solvency as INTR would need 2.53 years to pay back of all of its debts.
  • INTR has a Debt to FCF ratio (2.53) which is in line with its industry peers.
  • INTR has a Debt/Equity ratio of 1.75. This is a high value indicating a heavy dependency on external financing.
  • INTR has a worse Debt to Equity ratio (1.75) than 88.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF 2.53
Altman-Z N/A
ROIC/WACCN/A
WACC8.09%
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 2025 0 2B 4B 6B 8B 10B

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 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. INTR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 43.00% 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 106.19% on average per year.
  • Looking at the last year, INTR shows a very strong growth in Revenue. The Revenue has grown by 32.30%.
  • INTR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 47.09% yearly.
EPS 1Y (TTM)43%
EPS 3YN/A
EPS 5Y106.19%
EPS Q2Q%34.92%
Revenue 1Y (TTM)32.3%
Revenue growth 3Y32.47%
Revenue growth 5Y47.09%
Sales Q2Q%75.16%

3.2 Future

  • INTR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 29.49% yearly.
  • Based on estimates for the next years, INTR will show a very strong growth in Revenue. The Revenue will grow by 21.62% on average per year.
EPS Next Y45.21%
EPS Next 2Y38.24%
EPS Next 3Y29.49%
EPS Next 5YN/A
Revenue Next Year29.54%
Revenue Next 2Y23.77%
Revenue Next 3Y20.95%
Revenue Next 5Y21.62%

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 2028 0 2 4 6

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6

4. INTR Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.33 indicates a correct valuation of INTR.
  • 61.17% of the companies in the same industry are cheaper than INTR, based on the Price/Earnings ratio.
  • INTR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.42.
  • With a Price/Forward Earnings ratio of 9.24, the valuation of INTR can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, INTR is valued a bit cheaper than 69.15% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. INTR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.33
Fwd PE 9.24
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

  • 97.34% of the companies in the same industry are more expensive than INTR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 2.44
EV/EBITDA N/A
INTR Per share dataINTR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

  • The 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 29.49% in the coming years.
PEG (NY)0.29
PEG (5Y)0.13
EPS Next 2Y38.24%
EPS Next 3Y29.49%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

5. INTR Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.41%, INTR has a reasonable but not impressive dividend return.
  • INTR's Dividend Yield is slightly below the industry average, which is at 2.56.
  • INTR's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.41%

5.2 History

  • INTR has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
INTR Yearly Dividends per shareINTR Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.02 0.04 0.06 0.08 0.1

5.3 Sustainability

  • 18.57% of the earnings are spent on dividend by INTR. This is a low number and sustainable payout ratio.
DP18.57%
EPS Next 2Y38.24%
EPS Next 3Y29.49%
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 2025 0 2B 4B 6B
INTR Dividend Payout.INTR Dividend Payout, showing the Payout Ratio.INTR Dividend Payout.PayoutRetained Earnings

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INTR Fundamentals: All Metrics, Ratios and Statistics

INTER & CO INC - CL A

NASDAQ:INTR (4/24/2026, 8:00:02 PM)

After market: 8 0 (0%)

8

+0.01 (+0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-07
Inst Owners38.87%
Inst Owner Change-0.01%
Ins Owners0.02%
Ins Owner Change0%
Market Cap3.52B
Revenue(TTM)8.66B
Net Income(TTM)1.31B
Analysts80
Price Target10.77 (34.62%)
Short Float %4.16%
Short Ratio3.19
Dividend
Industry RankSector Rank
Dividend Yield 1.41%
Yearly Dividend0.11
Dividend Growth(5Y)N/A
DP18.57%
Div Incr Years2
Div Non Decr Years2
Ex-Date02-20
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.06%
Min EPS beat(2)-5.95%
Max EPS beat(2)-2.18%
EPS beat(4)0
Avg EPS beat(4)-3.85%
Min EPS beat(4)-6.67%
Max EPS beat(4)-0.6%
EPS beat(8)3
Avg EPS beat(8)-0.31%
EPS beat(12)5
Avg EPS beat(12)-0.68%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.94%
Min Revenue beat(2)-37.77%
Max Revenue beat(2)33.89%
Revenue beat(4)1
Avg Revenue beat(4)-2.77%
Min Revenue beat(4)-37.77%
Max Revenue beat(4)33.89%
Revenue beat(8)3
Avg Revenue beat(8)-1.16%
Revenue beat(12)4
Avg Revenue beat(12)-1.51%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)7.57%
EPS NQ rev (1m)0.28%
EPS NQ rev (3m)5.14%
EPS NY rev (1m)0%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)-0.61%
Revenue NQ rev (3m)3.38%
Revenue NY rev (1m)-2.05%
Revenue NY rev (3m)3.24%
Valuation
Industry RankSector Rank
PE 13.33
Fwd PE 9.24
P/S 2.02
P/FCF 2.44
P/OCF 2.26
P/B 1.72
P/tB 2.15
EV/EBITDA N/A
EPS(TTM)0.6
EY7.5%
EPS(NY)0.87
Fwd EY10.83%
FCF(TTM)3.28
FCFY40.97%
OCF(TTM)3.54
OCFY44.23%
SpS3.96
BVpS4.66
TBVpS3.73
PEG (NY)0.29
PEG (5Y)0.13
Graham Number7.92743 (-0.91%)
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 12.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.16%
GM N/A
FCFM 82.7%
ROA(3y)1.01%
ROA(5y)0.56%
ROE(3y)9.05%
ROE(5y)4.85%
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 5Y60.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF 2.53
Debt/EBITDA N/A
Cap/Depr 167.31%
Cap/Sales 6.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 545.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC8.09%
ROIC/WACCN/A
Cap/Depr(3y)194.07%
Cap/Depr(5y)249.28%
Cap/Sales(3y)6.65%
Cap/Sales(5y)7.93%
Profit Quality(3y)1102.77%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)43%
EPS 3YN/A
EPS 5Y106.19%
EPS Q2Q%34.92%
EPS Next Y45.21%
EPS Next 2Y38.24%
EPS Next 3Y29.49%
EPS Next 5YN/A
Revenue 1Y (TTM)32.3%
Revenue growth 3Y32.47%
Revenue growth 5Y47.09%
Sales Q2Q%75.16%
Revenue Next Year29.54%
Revenue Next 2Y23.77%
Revenue Next 3Y20.95%
Revenue Next 5Y21.62%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year16.47%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y120.33%
FCF growth 3Y57.74%
FCF growth 5Y20.42%
OCF growth 1Y105.63%
OCF growth 3Y54.32%
OCF growth 5Y20.99%

INTER & CO INC - CL A / INTR Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to INTR.


What is the valuation status for INTR stock?

ChartMill assigns a valuation rating of 6 / 10 to INTER & CO INC - CL A (INTR). This can be considered as Fairly Valued.


How profitable is INTER & CO INC - CL A (INTR) stock?

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


Can you provide the financial health for INTR stock?

The financial health rating of INTER & CO INC - CL A (INTR) is 1 / 10.


Can you provide the dividend sustainability for INTR stock?

The dividend rating of INTER & CO INC - CL A (INTR) is 2 / 10 and the dividend payout ratio is 18.57%.