Inter & Co

Inter&Co - 60/30/30 Plan

Souza123

Invested

Community Contributor

Published

03 Sep 24

Updated

25 Mar 26

Views

25 Mar

US$6.16

Souza123's Fair Value

US$33.30

81.5% undervalued

-14.1%

5.3%

-14.1%

5.3%

You can edit this narrative until Mar 26 1:05 PM. Then, changes will post as Updates.

Author's Valuation

US$33.381.5% undervalued

Souza123's Fair Value

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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Valuator

Company Info

Notes

Souza123'sFair Value

US$33.3

81.5% undervalued

Future estimation in

Revenue

Profit Margin

Future PE

Growth p.a.

Decrease

Increase

Forecast revenue growth rate

22.29%

Historical revenue growth rate

31.54%

Banks revenue growth rate

0.27%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

11.12%

Calculation

R$1.63b

Earnings '27

15.00x

PE Ratio '27

R$24.49b

Market Cap '27

R$24.49b

Market Cap '27

537.60m

No. shares '27

R$45.55

Share Price '27

R$45.55 Share Price '27

Discounted to 2024 @ 11.00% p.a.

R$33.30

Fair Value '24

R$33.30 Fair Value '24

Converted to USD @ 1.0000 BRL/USD Exchange Rate

US$33.30

Fair Value '24