INTR

NEUTRAL

$8.21 Live

Inter & Co, Inc. · NASDAQ

Target $10.25 (+24.9%)

$5.46 52W Range $10.36

INTR Inter & Co, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

INTR Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$8.21

Analyst Target

$10.25

+24.9% Upside

52W High

$10.36

52W Low

$5.46

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 12, 2026

Market cap

$3.62B

P/E

14.16

ROE

14.4%

Profit margin

21.9%

Debt/Equity

N/A

Dividend yield

1.38%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

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.

Key Strengths

Strong YoY revenue growth of 26.40%

Robust earnings growth of 35.50% YoY

Attractive Forward P/E ratio of 7.61

Healthy profit margin of 21.93% and ROE of 14.36%

Low dividend payout ratio (15.79%) indicating sustainable distributions

Key Risks

Critical financial health warning indicated by Piotroski F-Score of 2/9

Bearish technical trend (0/100 score)

Weak insider sentiment (40/100)

Poor recent earnings track record with only 1 beat in the last 4 quarters

Negative average earnings surprise (-1.55%) over the last year

AI Fair Value Estimate

Based on comprehensive analysis

$12.36

+50.5% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Speculative Growth

Key drivers: High growth rates, Low valuation multiples, Severe fundamental health deterioration

Confidence

85%

Value

85/100

Ref P/E 14.16, Forward P/E 7.61, Graham Number $7.61

Positives

P/S ratio of 0.61 is very low
Forward P/E is significantly lower than current P/E
Trading near Graham Number ($7.61)

Watchpoints

Slight premium to defensive Graham value

Future

80/100

Ref Growth rates

Positives

Strong Q/Q revenue growth (30%)
Strong Q/Q earnings growth (36%)

Watchpoints

Consistent failure to beat analyst estimates recently

Past

65/100

Ref Historical trends

Positives

Impressive 3Y change of +342%

Watchpoints

Recent 1M and 6M performance is negative/flat

Health

20/100

Ref Piotroski F-Score

Positives

Positive ROE

Watchpoints

Piotroski F-Score of 2/9 indicates weak financial health

Dividend

50/100

Ref Yield, Payout

Positives

Low payout ratio suggests safety

Watchpoints

Low overall yield (1.38%)

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$8.21

Analyst Target

$10.25

Upside/Downside

+24.9%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for INTR and closest competitors.

Updated 2026-04-10

Company	5Y	3Y	1Y	6M	1M	1W
INTR Inter & Co, Inc. Primary	+143.9%	+342.0%	+64.3%	-1.4%	-4.3%	+4.8%
BANF BancFirst Corporation Peer	+88.2%	+37.7%	-9.1%	-13.6%	-0.6%	-3.8%
BHF Brighthouse Financial, Inc. Peer	+62.1%	+18.8%	+26.1%	+27.7%	-1.0%	+0.1%
BKU BankUnited, Inc. Peer	+51.1%	+53.0%	+23.4%	+25.7%	+6.1%	+1.2%
AHL Aspen Insurance Holdings Limite Peer	+14.7%	+14.7%	+14.7%	+16.8%	+0.6%	-0.1%

INT

Inter & Co, Inc.

Primary

+143.9%

+342.0%

+64.3%

-1.4%

-4.3%

+4.8%

BAN

BancFirst Corporation

Peer

+88.2%

+37.7%

-9.1%

-13.6%

-0.6%

-3.8%

BHF

Brighthouse Financial, Inc.

Peer

+62.1%

+18.8%

+26.1%

+27.7%

-1.0%

+0.1%

BKU

BankUnited, Inc.

Peer

+51.1%

+53.0%

+23.4%

+25.7%

+6.1%

+1.2%

AHL

Aspen Insurance Holdings Limite

Peer

+14.7%

+16.8%

+0.6%

-0.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

14.16

7.61

N/A

1.85

0.61

2.98

N/A

$3.62B

Profitability

Profit margins and return metrics

Profit Margin 21.93%

Operating Margin 28.15%

Gross Margin N/A

ROE 14.36%

ROA 1.6%

Growth

Revenue and earnings growth rates

Revenue Growth +26.4%

Earnings Growth +35.5%

Q/Q Revenue Growth +30.0%

Q/Q Earnings Growth +36.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$9.35

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$2.4B

Net Margin

15.6%

Total Assets

$98.6B

Liabilities

$88.2B

Equity

$10.2B

Debt/Equity

8.67x

Operating CF

$-0.1B

CapEx

$-0.1B

Free Cash Flow

$-0.3B

FCF Yield

195%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-11

$N/A

2026-02-11

$0.16

-0.3% surprise

2025-11-12

$0.14

-4.6% surprise

2025-08-06

$0.13

+0.3% surprise

Financial Services Sector Comparison

Comparing INTR against 362 companies in the Financial Services sector (63 bullish, 158 neutral, 141 bearish)

P/E Ratio

14.16

This Stock

52.08

Sector Avg

-72.8% (Discount)

Return on Equity (ROE)

14.36%

This Stock

-0.05%

Sector Avg

-27565.6% (Below Avg)

Profit Margin

21.93%

This Stock

66.07%

Sector Avg

-66.8% (Weaker)

Revenue Growth

26.4%

This Stock

43.38%

Sector Avg

-39.1% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
INTR Inter & Co, Inc.	NEUTRAL	$3.62B	14.16	14.4%	21.9%	$8.21
BANF BancFirst Corporation	NEUTRAL	$3.64B	16.66	14.1%	35.6%	$108.47	Compare
BHF Brighthouse Financial, Inc.	BEARISH	$3.67B	4.52	16.2%	12.3%	$64.11	Compare
BKU BankUnited, Inc.	NEUTRAL	$3.58B	14.22	9.1%	26.2%	$47.64	Compare
AHL Aspen Insurance Holdings Limite	BEARISH	$3.42B	5.48	14.0%	14.2%	$37.26	Compare

INTR Inter & Co, Inc.

NEUTRAL

Mkt Cap

$3.6B

P/E

14.2

ROE

14.4%

Price

$8.21

BANF BancFirst Corporation

Compare with INTR

Compare with INTR

Compare with INTR

Compare with INTR

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

10 analysts

UBS

2026-01-22

Maintains

Buy Buy

Itau BBA

2025-11-19

down

Outperform Market Perform

Goldman Sachs

2025-10-30

Maintains

Buy Buy

UBS

2025-10-16

Maintains

Buy Buy

Past News Coverage

Recent headlines mentioning INTR from our newsroom.

Newest → oldest

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INTR

INTR Inter & Co, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Wall Street Analysts

Past News Coverage

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