8.395 USD
+0.04 (+0.42%)
Overall INTR gets a fundamental rating of 5 out of 10. We evaluated INTR against 388 industry peers in the Banks industry. While INTR is still in line with the averages on profitability rating, there are concerns on its financial health. INTR is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
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.
INTR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.32%, INTR belongs to the top of the industry, outperforming 82.47% of the companies in the same industry.
Looking at the Return On Equity, with a value of 12.53%, INTR belongs to the top of the industry, outperforming 84.02% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.32% | ||
| ROE | 12.53% | ||
| 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
With a Profit Margin value of 14.99%, INTR is not doing good in the industry: 77.84% of the companies in the same industry are doing better.
INTR's Profit Margin has improved in the last couple of years.
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) | 14.99% | ||
| 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.
INTR has more shares outstanding than it did 1 year ago.
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.
2.2 Solvency
INTR has a debt to FCF ratio of 1.72. This is a very positive value and a sign of high solvency as it would only need 1.72 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.72, INTR is in line with its industry, outperforming 52.32% of the companies in the same industry.
INTR has a Debt/Equity ratio of 1.69. This is a high value indicating a heavy dependency on external financing.
INTR has a Debt to Equity ratio of 1.69. This is amonst the worse of the industry: INTR underperforms 86.86% of its industry peers.
Although INTR does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.69 | ||
| Debt/FCF | 1.72 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
INTR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.38%, which is quite impressive.
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 32.98%.
The Revenue has been growing by 53.46% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)51.38%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%38.89%
Revenue 1Y (TTM)32.98%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%-20.7%
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 36.68% 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 Y49.91%
EPS Next 2Y42.9%
EPS Next 3Y36.68%
EPS Next 5YN/A
Revenue Next Year28.91%
Revenue Next 2Y26.25%
Revenue Next 3Y23.23%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 16.79, INTR is valued correctly.
INTR's Price/Earnings ratio is a bit more expensive when compared to the industry. INTR is more expensive than 73.71% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.59, INTR is valued a bit cheaper.
A Price/Forward Earnings ratio of 10.96 indicates a reasonable valuation of INTR.
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 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.79 | ||
| Fwd PE | 10.96 |
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 98.20% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.12 | ||
| EV/EBITDA | N/A |
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.
INTR's earnings are expected to grow with 36.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)0.22
EPS Next 2Y42.9%
EPS Next 3Y36.68%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.34%, INTR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, INTR is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 1.88, INTR is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.34% |
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
5.3 Sustainability
19.94% of the earnings are spent on dividend by INTR. This is a low number and sustainable payout ratio.
DP19.94%
EPS Next 2Y42.9%
EPS Next 3Y36.68%
NASDAQ:INTR (12/26/2025, 12:54:57 PM)
8.395
+0.04 (+0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners33.81%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.69B
Revenue(TTM)8.09B
Net Income(TTM)1.21B
Analysts81.33
Price TargetN/A
Short Float %2.74%
Short Ratio2.82
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.34% |
Yearly Dividend0.04
Dividend Growth(5Y)N/A
DP19.94%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.28%
Min EPS beat(2)-5.95%
Max EPS beat(2)-0.6%
EPS beat(4)0
Avg EPS beat(4)-3.58%
Min EPS beat(4)-6.67%
Max EPS beat(4)-0.6%
EPS beat(8)4
Avg EPS beat(8)0.6%
EPS beat(12)6
Avg EPS beat(12)2.54%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-19.23%
Min Revenue beat(2)-37.77%
Max Revenue beat(2)-0.69%
Revenue beat(4)1
Avg Revenue beat(4)-11.08%
Min Revenue beat(4)-37.77%
Max Revenue beat(4)0.68%
Revenue beat(8)2
Avg Revenue beat(8)-5.63%
Revenue beat(12)4
Avg Revenue beat(12)-4.07%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.22%
PT rev (3m)18.37%
EPS NQ rev (1m)-0.13%
EPS NQ rev (3m)-3.16%
EPS NY rev (1m)-1.9%
EPS NY rev (3m)-2.44%
Revenue NQ rev (1m)3.92%
Revenue NQ rev (3m)4.15%
Revenue NY rev (1m)-0.3%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.79 | ||
| Fwd PE | 10.96 | ||
| P/S | 2.51 | ||
| P/FCF | 2.12 | ||
| P/OCF | 2 | ||
| P/B | 2.1 | ||
| P/tB | 2.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.5
EY5.96%
EPS(NY)0.77
Fwd EY9.12%
FCF(TTM)3.96
FCFY47.17%
OCF(TTM)4.2
OCFY50.02%
SpS3.34
BVpS3.99
TBVpS3.17
PEG (NY)0.34
PEG (5Y)0.22
Graham Number6.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.32% | ||
| ROE | 12.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.99% | ||
| GM | N/A | ||
| FCFM | 118.62% |
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 | 1.69 | ||
| Debt/FCF | 1.72 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 200.82% | ||
| Cap/Sales | 7.18% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 791.09% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC9.68%
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)51.38%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%38.89%
EPS Next Y49.91%
EPS Next 2Y42.9%
EPS Next 3Y36.68%
EPS Next 5YN/A
Revenue 1Y (TTM)32.98%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%-20.7%
Revenue Next Year28.91%
Revenue Next 2Y26.25%
Revenue Next 3Y23.23%
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 1Y76.42%
FCF growth 3YN/A
FCF growth 5Y35.24%
OCF growth 1Y81.38%
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 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 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 16.79 and the Price/Book (PB) ratio is 2.1.
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 19.94%.