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

NASDAQ:INTR • KYG4R20B1074

Current stock price

7.83 USD
-0.17 (-2.12%)
At close:
7.83 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.
  • INTR had a positive operating cash flow in each of the past 5 years.
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 81.58% of its industry peers.
  • With an excellent Return On Equity value of 12.91%, INTR belongs to the best of the industry, outperforming 85.53% of the companies in the same industry.
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

  • With a Profit Margin value of 15.16%, INTR is not doing good in the industry: 81.84% 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 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.
  • 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.
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.
  • Looking at the Debt to FCF ratio, with a value of 2.53, INTR is in line with its industry, outperforming 43.95% of the companies in the same industry.
  • 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 88.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF 2.53
Altman-Z N/A
ROIC/WACCN/A
WACC8.02%
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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9

3. INTR Growth Analysis

3.1 Past

  • INTR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 43.00%, which is quite impressive.
  • INTR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 106.19% yearly.
  • Looking at the last year, INTR shows a very strong growth in Revenue. The Revenue has grown by 32.30%.
  • The Revenue has been growing by 47.09% on average over the past years. This is a very strong growth!
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 33.52% yearly.
  • The Revenue is expected to grow by 21.62% on average over the next years. This is a very strong growth
EPS Next Y45.21%
EPS Next 2Y38.24%
EPS Next 3Y33.52%
EPS Next 5YN/A
Revenue Next Year29.94%
Revenue Next 2Y23.96%
Revenue Next 3Y21.1%
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.
  • 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

  • INTR is valuated correctly with a Price/Earnings ratio of 13.74.
  • INTR's Price/Earnings ratio is a bit more expensive when compared to the industry. INTR is more expensive than 64.74% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.60, INTR is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 9.44, the valuation of INTR can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, INTR is valued a bit cheaper than 68.42% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of INTR to the average of the S&P500 Index (22.84), we can say INTR is valued rather cheaply.
Industry RankSector Rank
PE 13.74
Fwd PE 9.44
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of INTR indicates a rather cheap valuation: INTR is cheaper than 97.11% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.49
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.
  • INTR's earnings are expected to grow with 33.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)0.13
EPS Next 2Y38.24%
EPS Next 3Y33.52%

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

2

5. INTR Dividend Analysis

5.1 Amount

  • INTR has a Yearly Dividend Yield of 1.47%. Purely for dividend investing, there may be better candidates out there.
  • INTR's Dividend Yield is slightly below the industry average, which is at 2.72.
  • INTR's Dividend Yield is slightly below the S&P500 average, which is at 1.90.
Industry RankSector Rank
Dividend Yield 1.47%

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 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 3Y33.52%
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 (4/2/2026, 8:00:02 PM)

After market: 7.83 0 (0%)

7.83

-0.17 (-2.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)N/A
Inst Owners38.77%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner Change0%
Market Cap3.45B
Revenue(TTM)8.66B
Net Income(TTM)1.31B
Analysts80
Price Target10.77 (37.55%)
Short Float %3.47%
Short Ratio2.77
Dividend
Industry RankSector Rank
Dividend Yield 1.47%
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)7.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.85%
EPS NY rev (1m)0%
EPS NY rev (3m)0.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.89%
Revenue NY rev (1m)-1.74%
Revenue NY rev (3m)3.63%
Valuation
Industry RankSector Rank
PE 13.74
Fwd PE 9.44
P/S 2.06
P/FCF 2.49
P/OCF 2.31
P/B 1.76
P/tB 2.19
EV/EBITDA N/A
EPS(TTM)0.57
EY7.28%
EPS(NY)0.83
Fwd EY10.59%
FCF(TTM)3.14
FCFY40.09%
OCF(TTM)3.39
OCFY43.28%
SpS3.8
BVpS4.46
TBVpS3.57
PEG (NY)0.3
PEG (5Y)0.13
Graham Number7.56
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
WACC8.02%
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 3Y33.52%
EPS Next 5YN/A
Revenue 1Y (TTM)32.3%
Revenue growth 3Y32.47%
Revenue growth 5Y47.09%
Sales Q2Q%75.16%
Revenue Next Year29.94%
Revenue Next 2Y23.96%
Revenue Next 3Y21.1%
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%.