Inter & Co (NASDAQ: INTR)

$5.37-3.07%today

Brazilian ADR trading on the NASDAQ, priced in US dollars. Key figures below are sourced from Yahoo Finance.

Market Cap: $2.37B
P/E (TTM): 8.7x
P/B: 1.2x
EPS (TTM): 0.62
Dividend Yield: 2.11%
52-Week Range: $5.16 – $10.36
Volume: 4.35M
Previous Close: $5.54

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

-3.07%

1 Week

-4.96%

1 Month

-1.29%

YTD

-36.67%

1 Year

-22.29%

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

$4.80

Average

$9.33

High

$12.50

The average target is +73.71% above the current price of $5.37.

Display currency

Revenue, net debt and other totals below — switch between US dollars and BRL.

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: 9.1%
ROE: 14.1%
Rev Growth (YoY): +8.18%
Net Debt / EBITDA: 10.21×
Current Ratio: 0.45×
Interest Coverage: 0.27×
Free Cash Flow: 3.04B
Payout Ratio: 23.6%

Income — Margins & Efficiency

Metric	Last 12MQ2'25 – Q1'26	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	$2,995,245,532	+14.1%	$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	$1,217,105,223	+11.4%	$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	$335,802,650	+13.2%	$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	$406,409,837	+13.3%	$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	$273,581,883	+14.2%	$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	40.6%	-1.0 p.p.	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	11.2%	-0.1 p.p.	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	13.6%	-0.1 p.p.	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	9.1%	+0.0 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)	8.2%	-39.9 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	13.5%	-0.5 p.p.	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×	-2.0%	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 12MQ2'25 – Q1'26	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	$4,151,467,609	+22.0%	$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	2.14×	+16.8%	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	10.21×	+7.7%	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	3.10×	+6.2%	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	0.45×	-17.6%	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)	14.1%	+1.2 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%	+0.1 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	$4.35	+3.2%	$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 2.10%

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

Last updated: 14:44 BRT · Updated hourly during market hours

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