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

NASDAQ:INTR • KYG4R20B1074

8.545 USD
-0.17 (-1.89%)
Last: Mar 2, 2026, 11:06 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

INTR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. There are concerns on the financial health of INTR while its profitability can be described as average. INTR is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

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

1.2 Ratios

  • The Return On Assets of INTR (1.33%) is better than 82.06% of its industry peers.
  • INTR's Return On Equity of 12.91% is amongst the best of the industry. INTR outperforms 85.49% 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

  • INTR's Profit Margin of 15.16% is on the low side compared to the rest of the industry. INTR is outperformed by 78.89% 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) 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

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
  • 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 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.
  • The Debt to Equity ratio of INTR (1.75) is worse than 87.34% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF 2.53
Altman-Z N/A
ROIC/WACCN/A
WACC8.36%
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

More info and screens

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

9

3. Growth

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.
  • The Revenue has grown by 32.30% 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 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

  • The Earnings Per Share is expected to grow by 34.56% on average over the next years. This is a very strong growth
  • INTR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 21.62% yearly.
EPS Next Y42.45%
EPS Next 2Y34.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.72%
Revenue Next 2Y23.76%
Revenue Next 3Y22.57%
Revenue Next 5Y21.62%

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

More info and screens

Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.99, which indicates a correct valuation of INTR.
  • Based on the Price/Earnings ratio, INTR is valued a bit more expensive than 73.61% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.07. INTR is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 10.45, the valuation of INTR can be described as very reasonable.
  • INTR's Price/Forward Earnings is on the same level as the industry average.
  • INTR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
Industry RankSector Rank
PE 14.99
Fwd PE 10.45
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

  • Based on the Price/Free Cash Flow ratio, INTR is valued cheaper than 97.10% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.7
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

  • 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 34.56% in the coming years.
PEG (NY)0.35
PEG (5Y)0.14
EPS Next 2Y34.56%
EPS Next 3YN/A

More info and screens

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

2

5. Dividend

5.1 Amount

  • INTR has a Yearly Dividend Yield of 1.27%.
  • INTR's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to the average S&P500 Dividend Yield of 1.82, INTR is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.27%

5.2 History

  • INTR has paid a dividend for less than 5 years, so there is no long track record yet.
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 2026 0.02 0.04 0.06 0.08 0.1

5.3 Sustainability

  • INTR pays out 18.57% of its income as dividend. This is a sustainable payout ratio.
DP18.57%
EPS Next 2Y34.56%
EPS Next 3YN/A
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

More info and screens

Find the best dividend stocksShow peers with best dividend

INTER & CO INC - CL A

NASDAQ:INTR (3/2/2026, 11:06:47 AM)

8.545

-0.17 (-1.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)N/A
Inst Owners33.97%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.75B
Revenue(TTM)8.66B
Net Income(TTM)1.31B
Analysts81.33
Price Target10.77 (26.04%)
Short Float %3.08%
Short Ratio2.65
Dividend
Industry RankSector Rank
Dividend Yield 1.27%
Yearly Dividend0.11
Dividend Growth(5Y)N/A
DP18.57%
Div Incr Years1
Div Non Decr Years1
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)7.57%
PT rev (3m)12.22%
EPS NQ rev (1m)4.85%
EPS NQ rev (3m)4.85%
EPS NY rev (1m)-0.29%
EPS NY rev (3m)-0.14%
Revenue NQ rev (1m)4.02%
Revenue NQ rev (3m)3.89%
Revenue NY rev (1m)2.65%
Revenue NY rev (3m)6.24%
Valuation
Industry RankSector Rank
PE 14.99
Fwd PE 10.45
P/S 2.23
P/FCF 2.7
P/OCF 2.5
P/B 1.9
P/tB 2.37
EV/EBITDA N/A
EPS(TTM)0.57
EY6.67%
EPS(NY)0.82
Fwd EY9.57%
FCF(TTM)3.16
FCFY37.02%
OCF(TTM)3.42
OCFY39.97%
SpS3.82
BVpS4.49
TBVpS3.6
PEG (NY)0.35
PEG (5Y)0.14
Graham Number7.59
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
WACC8.36%
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 Y42.45%
EPS Next 2Y34.56%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)32.3%
Revenue growth 3Y32.47%
Revenue growth 5Y47.09%
Sales Q2Q%75.16%
Revenue Next Year28.72%
Revenue Next 2Y23.76%
Revenue Next 3Y22.57%
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 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.


What is the profitability of INTR stock?

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


What are the PE and PB ratios of INTER & CO INC - CL A (INTR) stock?

The Price/Earnings (PE) ratio for INTER & CO INC - CL A (INTR) is 14.99 and the Price/Book (PB) ratio is 1.9.


Is the dividend of INTER & CO INC - CL A sustainable?

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