Inter & Co. Inc. (INTR)
UndervaluedFundamental
49
Price
$5.34
Market Cap
$2.36B
Part 1 · What the company is worth
Overview
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.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$9.64B
Trailing 12 months (through 6/30/2026)
Net Income
$1.53B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$1.51B
Total Liabilities
$20.30B
Current Ratio
-
Interest Coverage
-
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$22.27
Current Price
$5.34
Margin of Safety
+76.0%
Fair Value Range
$14.48 - $30.07
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
8.09
ROE
16.2%
P/B Ratio
1.15
P/FCF
-
Gross Margin
0.0%
ROIC
7.2%
Profitability Radar
Value Creation (Economic Moat)
ROIC
7.2%
WACC
1.0%
ROIC − WACC
+6.1 pp
ROIC exceeds the cost of capital — the company is creating value for shareholders.
Fundamental Analysis Criteria
Passed (7)
- Price CAGR 21.94%
- ROIC 7.2%
- P/B Ratio 1.15
- ROE 15.0%
- Analyst Consensus 73% Buy
- PEG Ratio 0.07
- Net Margin Trend 15.6% vs 14.2%
Failed (6)
- Gross Margin 0.0%
- Debt/Equity ratio
- DCF valuation (Unknown)
- Earnings Surprise avg -1.8%
- Earnings Quality (OCF/NI) -6.11
- Piotroski F-Score 0/9
Unavailable (14)
- EPS data insufficient
- P/FCF NaN
- Dividend Payout NaN%
- Operating Margin NaN%
- Positive Free Cash Flow
- CapEx intensity
- Current Ratio
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- Low reliance on intangibles
- Price below Graham Number
- Revenue Growth 5Y (Finnhub)
- Share Dilution (missing shares data)
Piotroski F-Score
Serious financial concerns
Earnings Quality
Low quality: investigate accounting
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
No institutional filings reported for this company.
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Joao Vitor Nazareth Menin Teixeira de Souza | Global Chief Executive Officer | 43 |
| Mr. Santiago Horacio Stel | Senior VP of Finance & Risks and CFO | 45 |
| Mr. Guilherme Ximenes De Almeida | Chief Information Officer | 48 |
| Mr. Marco Antonio Martins de Araújo Filho | Global Chief Legal & Compliance Officer | 60 |
| Ms. Andrea Nocciolini | Marketing & Branding Director | - |
| Ms. Thais Leite Lemos | Chief Human Resources Officer | 38 |
| Mr. Alexandre Riccio De Oliveira | Chief Executive Officer of Brazil | 44 |
| Mr. Thiago Garrides Cabral de Lima | Chief Risk Officer and Director Risks & Internal Controls | - |
| Mr. Rodrigo Teodoro Martins de Gouveia | Chief Commerce Officer | 46 |
| Mr. Marlos Francisco de Souza Araujo | Chief Risk Officer | 48 |
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Latest News
Recent headlines for INTR, sourced from Markets Gazette.