INTER & CO INC - CL A (INTR) Stock Fundamental Analysis
USA - NASDAQ:INTR - KYG4R20B1074 - Common Stock
9.19 USD
+0.05 (+0.55%)
9.1 USD
-0.09 (-0.98%)
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.
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.
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 Rank | Sector 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
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 Rank | Sector 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
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.62 | ||
| Debt/FCF | 1.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.55 | ||
| Fwd PE | 11.61 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.8 | ||
| EV/EBITDA | N/A |
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%
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 Rank | Sector 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
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%
9.19
+0.05 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.15% |
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP21.56%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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%.