Inter & Co (NASDAQ: INTR)

$5.19-0.57%today

Brazilian ADR trading on the NASDAQ, priced in US dollars.

Display currency

Market Cap, EPS and the financial totals below — switch between US dollars and BRL.

Market Cap: $2.29B
P/E (TTM): 7.9x
P/B: 1.1x
EPS (TTM): $0.66
Dividend Yield: 2.18%
52-Week Range: $5.04 – $10.36
Volume: 4.23M
Previous Close: $5.22

TTM = trailing twelve months — the most recent 12 months (a rolling window), used for P/E, EPS and dividends. On the tables and charts below, the in-progress current year appears as a “Last 12M” column labelled with the quarter range it covers.

Performance

Today

-0.57%

1 Week

-2.99%

1 Month

-3.35%

YTD

-38.80%

1 Year

-35.61%

5 Years

—

About Inter & Co

US Ticker: INTR
B3 Ticker: —
Exchange: NASDAQ
Currency: USD
Sector: Financial Services
Industry: Banks - Regional
Headquarters: Belo Horizonte, MG, Brazil
Employees: —
CEO: Mr. Joao Vitor Nazareth Menin Teixeira de Souza
Founded: 1994

Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States.

The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collections; foreign exchange and financial services; and global account digital solution.

It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets.

In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products.

Further, it engages in the sale of goods and/or services through digital platform.

Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.

inter.co

Analyst Ratings

Consensus of 10 Wall Street analysts · sourced from Yahoo Finance

2.0Buy

On a 1–5 scale: 1 = Strong Buy, 3 = Hold, 5 = Sell. Lower is more bullish.

12-Month Price Target

Low

$5.00

Average

$8.77

High

$10.40

The average target is +68.92% above the current price of $5.19.

Financial Results

Revenue, EBITDA and net profit (in USD) with net margin (net profit ÷ revenue).

Financial Health

Margins, leverage and cash-flow quality derived from Inter & Co's income statement, balance sheet and cash flow (absolute figures in USD).

ProfitabilityLeverageGrowth

Overall: Financially Solid

Net Margin: 10.3%
ROE: 14.5%
Rev Growth (YoY): +2.67%
Net Debt / EBITDA: —
Current Ratio: —
Interest Coverage: —
Free Cash Flow: -2.77B
Payout Ratio: 23.9%

Income — Margins & Efficiency

Metric	Last 12MQ3'25 – Q2'26	Δ	2025	Δ	2024	Δ	2023	Δ	2022	Δ	2021	Δ	2020	Δ	2019	Δ	2018	Δ	2017	Δ	2016	Δ	2015	Δ	2014	Δ	2013	Δ	2012
Revenue	$2,852,839,198	+8.7%	$2,625,555,129	+67.0%	$1,572,023,503	-0.2%	$1,575,223,290	+50.4%	$1,047,486,470	+111.0%	$496,403,181	+129.9%	$215,908,642	-14.1%	$251,349,512	+41.4%	$177,799,546	+2.9%	$172,723,868	-5.4%	$182,497,310	+48.4%	$122,938,560	+206.8%	$40,069,703	+10.9%	$36,121,731	-40.1%	$60,305,609
Gross profit	—	—	$1,092,835,360	+46.7%	$744,705,159	+12.5%	$662,032,700	+41.1%	$469,185,936	+60.7%	$291,953,969	+35.2%	$215,908,642	+34.1%	$161,017,812	+39.9%	$115,089,051	+41.0%	$81,607,321	+42.3%	$57,342,496	+19.4%	$48,015,013	+19.8%	$40,069,703	+10.9%	$36,121,731	-40.1%	$60,305,609
Operating income	—	—	$296,590,154	+52.0%	$195,139,125	+115.2%	$90,685,126	+368.4%	-$33,791,205	+18.5%	-$41,481,634	-374.4%	$15,116,631	-27.0%	$20,695,463	-14.6%	$24,232,100	+34.3%	$18,048,081	+102.0%	$8,934,293	-21.9%	$11,444,133	+10.1%	$10,395,614	+53.1%	$6,789,302	+0.5%	$6,757,127
EBITDA	—	—	$358,809,759	+56.7%	$228,941,712	+85.0%	$123,764,175	+4579.4%	-$2,762,934	+91.1%	-$31,008,761	-724.6%	-$3,760,664	-115.5%	$24,194,221	-2.9%	$24,905,013	+34.8%	$18,472,713	+98.1%	$9,326,323	-24.1%	$12,285,238	-28.3%	$17,124,072	+67.2%	$10,242,021	+6364.8%	$158,427
Net profit	$295,018,842	+23.1%	$239,653,409	+63.2%	$146,835,009	+135.6%	$62,336,192	+3070.4%	-$2,098,551	+83.9%	-$13,045,313	-478.1%	$3,450,502	-82.4%	$19,642,350	+9.0%	$18,025,657	+23.9%	$14,543,807	+86.5%	$7,796,944	-6.2%	$8,313,746	-0.4%	$8,350,477	+15.0%	$7,263,171	-8.5%	$7,941,421
Gross margin	—	—	41.6%	-5.7 p.p.	47.4%	+5.3 p.p.	42.0%	-2.8 p.p.	44.8%	-14.0 p.p.	58.8%	-41.2 p.p.	100.0%	+35.9 p.p.	64.1%	-0.7 p.p.	64.7%	+17.5 p.p.	47.2%	+15.8 p.p.	31.4%	-7.6 p.p.	39.1%	-60.9 p.p.	100.0%	+0.0 p.p.	100.0%	+0.0 p.p.	100.0%
Operating margin	—	—	11.3%	-1.1 p.p.	12.4%	+6.7 p.p.	5.8%	+9.0 p.p.	-3.2%	+5.1 p.p.	-8.4%	-15.4 p.p.	7.0%	-1.2 p.p.	8.2%	-5.4 p.p.	13.6%	+3.2 p.p.	10.4%	+5.6 p.p.	4.9%	-4.4 p.p.	9.3%	-16.6 p.p.	25.9%	+7.1 p.p.	18.8%	+7.6 p.p.	11.2%
EBITDA margin	—	—	13.7%	-0.9 p.p.	14.6%	+6.7 p.p.	7.9%	+8.1 p.p.	-0.3%	+6.0 p.p.	-6.2%	-4.5 p.p.	-1.7%	-11.4 p.p.	9.6%	-4.4 p.p.	14.0%	+3.3 p.p.	10.7%	+5.6 p.p.	5.1%	-4.9 p.p.	10.0%	-32.7 p.p.	42.7%	+14.4 p.p.	28.4%	+28.1 p.p.	0.3%
Net margin	10.3%	+1.2 p.p.	9.1%	-0.2 p.p.	9.3%	+5.4 p.p.	4.0%	+4.2 p.p.	-0.2%	+2.4 p.p.	-2.6%	-4.2 p.p.	1.6%	-6.2 p.p.	7.8%	-2.3 p.p.	10.1%	+1.7 p.p.	8.4%	+4.1 p.p.	4.3%	-2.5 p.p.	6.8%	-14.1 p.p.	20.8%	+0.7 p.p.	20.1%	+6.9 p.p.	13.2%
Revenue growth (YoY)	2.7%	-45.4 p.p.	48.0%	+20.9 p.p.	27.1%	-10.9 p.p.	38.0%	-62.2 p.p.	100.2%	-46.5 p.p.	146.7%	+135.7 p.p.	11.0%	-35.5 p.p.	46.5%	+26.1 p.p.	20.4%	+24.1 p.p.	-3.6%	-25.7 p.p.	22.0%	-335.4 p.p.	357.4%	+332.6 p.p.	24.8%	+55.7 p.p.	-30.9%	—	—
Effective tax rate	—	—	14.0%	-5.3 p.p.	19.3%	-0.6 p.p.	19.9%	-72.2 p.p.	92.1%	+15.9 p.p.	76.2%	-460.8 p.p.	536.9%	+535.1 p.p.	1.9%	-23.8 p.p.	25.6%	+15.6 p.p.	10.0%	-1.1 p.p.	11.1%	-14.5 p.p.	25.6%	+10.9 p.p.	14.6%	+11.2 p.p.	3.5%	-3.9 p.p.	7.4%
Interest coverage	—	—	0.27×	-25.4%	0.36×	+139.0%	0.15×	+268.3%	-0.09×	+78.7%	-0.43×	-16.0%	-0.37×	-212.8%	0.33×	-24.8%	0.43×	+99.7%	0.22×	+138.9%	0.09×	-52.6%	0.19×	—	—	—	—	—	—

Newest column (“Last 12M”) = trailing 12 months, the last 4 reported quarters — shown with the quarter range it spans; earlier columns are full fiscal years.

Balance Sheet — Health & Leverage

Metric	Last 12MQ3'25 – Q2'26	Δ	2025	Δ	2024	Δ	2023	Δ	2022	Δ	2021	Δ	2020	Δ	2019	Δ	2018	Δ	2017	Δ	2016	Δ	2015	Δ	2014	Δ	2013	Δ	2012
Net debt	$1,041,464,433	-69.4%	$3,402,634,491	+319.1%	$811,856,294	+29.0%	$629,283,535	+36.3%	$461,695,682	+1333.9%	-$37,417,507	+92.3%	-$488,622,360	-7.0%	-$456,559,996	-48.7%	-$306,936,400	-1816.4%	$17,882,275	+111.8%	-$152,107,739	-213.2%	-$48,563,197	-103.5%	-$23,858,935	+3.7%	-$24,783,622	-545.3%	$5,565,009
Net Debt / Equity	0.51×	-72.1%	1.83×	+225.1%	0.56×	+38.0%	0.41×	+17.1%	0.35×	+544.7%	-0.08×	+89.8%	-0.77×	+8.0%	-0.83×	+33.4%	-1.25×	-910.9%	0.15×	+111.0%	-1.40×	-145.1%	-0.57×	-175.5%	-0.21×	-2.2%	-0.20×	-589.6%	0.04×
Net Debt / EBITDA	—	—	9.48×	+167.4%	3.55×	-30.3%	5.08×	+103.0%	-167.10×	-13948.2%	1.21×	-99.1%	129.93×	+788.5%	-18.87×	-53.1%	-12.32×	-1373.1%	0.97×	+105.9%	-16.31×	-312.6%	-3.95×	-183.7%	-1.39×	+42.4%	-2.42×	-106.9%	35.13×
Debt / Equity	1.56×	-46.4%	2.92×	+118.7%	1.33×	+6.7%	1.25×	+5.4%	1.19×	-33.1%	1.77×	+215.4%	0.56×	-36.0%	0.88×	+39.2%	0.63×	-61.2%	1.63×	+1434.7%	0.11×	-9.2%	0.12×	+19.7%	0.10×	+685.0%	0.01×	-97.1%	0.43×
Current ratio	—	—	0.55×	+0.2%	0.54×	+5.7%	0.52×	-0.7%	0.52×	-26.1%	0.70×	-15.6%	0.83×	-3.4%	0.86×	+5.9%	0.81×	+30.2%	0.62×	+8.8%	0.57×	+58.4%	0.36×	—	—	—	0.26×	-86.9%	1.96×
Return on equity (ROE)	14.5%	+1.6 p.p.	12.9%	+2.7 p.p.	10.2%	+6.2 p.p.	4.0%	+4.2 p.p.	-0.2%	+2.6 p.p.	-2.7%	-3.3 p.p.	0.5%	-3.0 p.p.	3.6%	-3.8 p.p.	7.4%	-5.2 p.p.	12.6%	+5.4 p.p.	7.2%	-2.6 p.p.	9.8%	+2.5 p.p.	7.3%	+1.3 p.p.	5.9%	+0.0 p.p.	5.9%
Return on assets (ROA)	1.5%	+0.2 p.p.	1.3%	+0.1 p.p.	1.2%	+0.7 p.p.	0.5%	+0.5 p.p.	-0.0%	+0.2 p.p.	-0.2%	-0.3 p.p.	0.1%	-0.7 p.p.	0.8%	-0.5 p.p.	1.2%	-0.1 p.p.	1.3%	+0.6 p.p.	0.8%	-0.5 p.p.	1.3%	+0.1 p.p.	1.2%	+0.0 p.p.	1.2%	-0.1 p.p.	1.3%
Book value / share	$4.61	+9.3%	$4.22	+28.5%	$3.28	-14.2%	$3.82	+15.9%	$3.30	+84.2%	$1.79	+115.2%	$0.83	+221.2%	$0.26	+74.4%	$0.15	+66.3%	$0.09	-82.4%	$0.51	+27.2%	$0.40	-26.1%	$0.54	-6.1%	$0.57	-8.7%	$0.63

Newest column (“Last 12M”) = trailing 12 months, the last 4 reported quarters — shown with the quarter range it spans; earlier columns are full fiscal years.

Net Debt & Leverage

Free Cash Flow

Margins

Dividend Payout Ratio

Capex ÷ Revenue

Cash Conversion (operating cash flow ÷ net income)

Ratios computed from company financial statements. Net Debt = total debt − cash & equivalents; FCF = operating cash flow − capital expenditure; absolute values in USD.

Valuation & Dividends

P/E Ratio History

Dividend History

This year (YTD) $0.11/share · yield 2.18%

Dividends and yield from Yahoo Finance (per ADR share, in US dollars). The current-year figures are calendar year-to-date (dividends actually paid this year), not the trailing 12 months.

Frequently Asked Questions

Why hold Inter & Co INTR ADR instead of local B3 shares?

Buying directly on Brazil’s B3 exchange means opening a local brokerage account, converting currency and dealing with Brazilian tax paperwork. ADRs remove that friction: they settle in dollars, follow US market hours, and report in formats foreign investors already understand.

The trade-off is that an ADR’s price reflects two moving parts: (1) the underlying share price, quoted in reais on the B3, and (2) the USD/BRL exchange rate. Because of that second part, a rising company can still deliver a flat, or even negative, dollar return if the real weakens against the dollar. The same applies to ETFs: funds such as EWZ, EWZS and FLBR bundle dozens of these companies into a single ticker for instant diversification, but their dollar value still moves with the real.

Where is Inter & Co listed?

Inter & Co trades on a single exchange: NASDAQ in the United States (INTR, US dollars). That is the line quoted on this page.

What is Inter & Co's primary listing?

Inter & Co's primary listing is on NASDAQ in the United States, where it trades as INTR in US dollars — the line quoted on this page. It has no directly listed share on Brazil’s B3.

How can I buy Inter & Co stock in the United States?

Inter & Co is listed on the NASDAQ under INTR, priced in US dollars. Any US brokerage offering NASDAQ-listed securities can trade it, with no foreign-account paperwork and no currency conversion.

As of Fri, Aug 14, 17:00 BRT · Market closed

Financial data last updated: August 14, 2026

← All stocks & ETFs