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INTR vs JPM

INTR
Inter & Co, Inc.
NEUTRAL
Price
$8.21
Market Cap
$3.62B
Sector
Financial Services
AI Confidence
80%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$313.68
Market Cap
$846.01B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
INTR
14.16
JPM
15.68
Forward P/E
INTR
7.61
JPM
13.42
P/B Ratio
INTR
1.85
JPM
2.47
P/S Ratio
INTR
0.61
JPM
5.03
EV/EBITDA
INTR
--
JPM
--

Profitability

Gross Margin
INTR
0.0%
JPM
0.0%
Operating Margin
INTR
28.15%
JPM
41.06%
Profit Margin
INTR
21.93%
JPM
33.91%
ROE
INTR
14.36%
JPM
16.13%
ROA
INTR
1.6%
JPM
1.35%

Growth

Revenue Growth
INTR
26.4%
JPM
2.5%
Earnings Growth
INTR
35.5%
JPM
-3.6%

Financial Health

Debt/Equity
INTR
--
JPM
--
Current Ratio
INTR
--
JPM
--
Quick Ratio
INTR
--
JPM
--

Dividends

Dividend Yield
INTR
1.38%
JPM
1.91%
Payout Ratio
INTR
15.79%
JPM
28.97%

AI Verdict

INTR NEUTRAL

Inter & Co presents a stark contrast between strong growth metrics and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the company exhibits impressive revenue growth (26.4%) and earnings growth (35.5%), the low F-Score suggests significant internal financial instability or declining efficiency. The stock is attractively valued with a Forward P/E of 7.61 and trades well below its growth-based intrinsic value of $17.11, but this is offset by a bearish technical trend and poor insider sentiment. Overall, the growth potential is high, but the underlying financial health risks necessitate a neutral stance.

Strengths
Strong YoY revenue growth of 26.40%
Robust earnings growth of 35.50% YoY
Attractive Forward P/E ratio of 7.61
Risks
Critical financial health warning indicated by Piotroski F-Score of 2/9
Bearish technical trend (0/100 score)
Weak insider sentiment (40/100)
JPM NEUTRAL

JPM exhibits a concerning Piotroski F-Score of 2/9, indicating weak short-term fundamental health, and currently trades at a significant premium to both its Graham Number ($239.11) and Intrinsic Value ($140.07). While the company maintains a strong ROE of 16.13% and dominant market positioning, negative YoY earnings growth (-3.60%) and bearish insider activity from the CEO and CFO signal internal caution. The stock's current price of $313.68 suggests the market is pricing in a growth premium that is not currently supported by the deterministic health or value metrics.

Strengths
Strong profitability with a 33.91% profit margin
Robust Return on Equity (ROE) of 16.13%
Conservative dividend payout ratio of 28.97%
Risks
Very low Piotroski F-Score (2/9) suggesting deteriorating financial health
Significant overvaluation relative to Intrinsic Value ($140.07)
Negative Year-over-Year earnings growth (-3.60%)

Compare Another Pair

INTR vs JPM: Head-to-Head Comparison

This page compares Inter & Co, Inc. (INTR) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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