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

NASDAQ:INTR - Nasdaq - KYG4R20B1074 - Common Stock - Currency: USD

7.11  +0.14 (+2.01%)

Premarket: 6.79 -0.32 (-4.5%)

Fundamental Rating

4

Taking everything into account, INTR scores 4 out of 10 in our fundamental rating. INTR was compared to 396 industry peers in the Banks industry. INTR has a bad profitability rating. Also its financial health evaluation is rather negative. 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

INTR had positive earnings in the past year.
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.
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 0 2B 4B 6B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.19%, INTR is in the better half of the industry, outperforming 79.04% of the companies in the same industry.
INTR has a Return On Equity of 10.20%. This is in the better half of the industry: INTR outperforms 68.43% of its industry peers.
Industry RankSector Rank
ROA 1.19%
ROE 10.2%
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 (13.86%) is worse than 78.28% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 13.86%
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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0

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
Compared to 5 years ago, INTR has more shares outstanding
Compared to 1 year ago, INTR has a worse debt to assets ratio.
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

The Debt to FCF ratio of INTR is 3.65, which is a good value as it means it would take INTR, 3.65 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 3.65, INTR is doing worse than 65.40% of the companies in the same industry.
A Debt/Equity ratio of 1.32 is on the high side and indicates that INTR has dependencies on debt financing.
INTR has a Debt to Equity ratio of 1.32. This is amonst the worse of the industry: INTR underperforms 87.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF 3.65
Altman-Z N/A
ROIC/WACCN/A
WACC14.08%
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 99.83% over the past year.
The Earnings Per Share has been growing by 76.94% on average over the past years. This is a very strong growth
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)99.83%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%51.16%
Revenue 1Y (TTM)32%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%31.18%

3.2 Future

INTR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.75% yearly.
INTR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.31% yearly.
EPS Next Y57.08%
EPS Next 2Y42.4%
EPS Next 3Y35.75%
EPS Next 5YN/A
Revenue Next Year26.91%
Revenue Next 2Y22.11%
Revenue Next 3Y20.31%
Revenue Next 5Y23.31%

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

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 17.77, the valuation of INTR can be described as rather expensive.
Based on the Price/Earnings ratio, INTR is valued a bit more expensive than the industry average as 77.78% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of INTR to the average of the S&P500 Index (25.91), we can say INTR is valued slightly cheaper.
INTR is valuated reasonably with a Price/Forward Earnings ratio of 9.59.
The rest of the industry has a similar Price/Forward Earnings ratio as INTR.
When comparing the Price/Forward Earnings ratio of INTR to the average of the S&P500 Index (21.85), we can say INTR is valued rather cheaply.
Industry RankSector Rank
PE 17.77
Fwd PE 9.59
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 89.65% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.44
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

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 35.75% in the coming years.
PEG (NY)0.31
PEG (5Y)0.23
EPS Next 2Y42.4%
EPS Next 3Y35.75%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.58%, INTR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.34, INTR is paying slightly less dividend.
INTR's Dividend Yield is slightly below the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.58%

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 Years0
Div Non Decr Years0
INTR Yearly Dividends per shareINTR Yearly Dividends per shareYearly Dividends per share 2024 2025 0.02 0.04 0.06

5.3 Sustainability

9.05% of the earnings are spent on dividend by INTR. This is a low number and sustainable payout ratio.
DP9.05%
EPS Next 2Y42.4%
EPS Next 3Y35.75%
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 (5/22/2025, 8:14:27 PM)

Premarket: 6.79 -0.32 (-4.5%)

7.11

+0.14 (+2.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-12 2025-05-12/bmo
Earnings (Next)N/A N/A
Inst Owners26.5%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.12B
Analysts80
Price Target6.99 (-1.69%)
Short Float %2.72%
Short Ratio2.85
Dividend
Industry RankSector Rank
Dividend Yield 1.58%
Yearly Dividend0.03
Dividend Growth(5Y)N/A
DP9.05%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-14 2025-02-14 (0.08)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.3%
Min EPS beat(2)-1.08%
Max EPS beat(2)3.68%
EPS beat(4)3
Avg EPS beat(4)3.23%
Min EPS beat(4)-1.08%
Max EPS beat(4)7.72%
EPS beat(8)5
Avg EPS beat(8)0.91%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.49%
Min Revenue beat(2)0.68%
Max Revenue beat(2)4.3%
Revenue beat(4)2
Avg Revenue beat(4)0.46%
Min Revenue beat(4)-2.71%
Max Revenue beat(4)4.3%
Revenue beat(8)3
Avg Revenue beat(8)-0.88%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.67%
PT rev (3m)-5.32%
EPS NQ rev (1m)-0.73%
EPS NQ rev (3m)6.71%
EPS NY rev (1m)-3.39%
EPS NY rev (3m)-0.27%
Revenue NQ rev (1m)-0.86%
Revenue NQ rev (3m)0.31%
Revenue NY rev (1m)-2.4%
Revenue NY rev (3m)0.89%
Valuation
Industry RankSector Rank
PE 17.77
Fwd PE 9.59
P/S 2.7
P/FCF 5.44
P/OCF 4.7
P/B 1.99
P/tB 2.5
EV/EBITDA N/A
EPS(TTM)0.4
EY5.63%
EPS(NY)0.74
Fwd EY10.43%
FCF(TTM)1.31
FCFY18.39%
OCF(TTM)1.51
OCFY21.27%
SpS2.63
BVpS3.58
TBVpS2.84
PEG (NY)0.31
PEG (5Y)0.23
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 10.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.86%
GM N/A
FCFM 49.66%
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-Score7
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.32
Debt/FCF 3.65
Debt/EBITDA N/A
Cap/Depr 244.06%
Cap/Sales 7.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 358.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.08%
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)99.83%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%51.16%
EPS Next Y57.08%
EPS Next 2Y42.4%
EPS Next 3Y35.75%
EPS Next 5YN/A
Revenue 1Y (TTM)32%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%31.18%
Revenue Next Year26.91%
Revenue Next 2Y22.11%
Revenue Next 3Y20.31%
Revenue Next 5Y23.31%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-47.88%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-55.3%
FCF growth 3YN/A
FCF growth 5Y35.24%
OCF growth 1Y-50.17%
OCF growth 3Y244.93%
OCF growth 5Y36.56%