Shared on 25 Mar 26

# ======================================================== INTER&CO (INBR32 / INTR) MONETIZATION AND OPERATIONAL LEVERAGE THESIS March 2026 | Base: 4Q25 Earnings Release, Q4 2025 Conference Call and Comparative Sector Analysis This is a personal investment thesis, prepared based on public data, earnings releases, and the official transcript of the 4Q25 conference call held on February 11, 2026. It does not constitute a recommendation to buy or sell securities.

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Fair Value vs Share Price

US$33.3

vs US$5.6283.1% undervalued

15%

Revenue growth

28%

Profit margin

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Company analysis

Undervalued with high growth potential.

Market capUS$2.5b

PB1.2x

Estimated Growth21.6%

Dividend Yield1.9%

Full analysis

CEO & management

Joao Vitor Nazareth Teixeira de Souza

CEO

3.5yrs

CEO Tenure

Through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States.

Inter&Co - 60/30/30 Plan