Inter & Co (INTR) Panoramica del titolo
Inter & Co, Inc. attraverso le sue controllate, opera nel settore bancario e della spesa, degli investimenti, dell'intermediazione assicurativa e delle attività interbancarie in Brasile e negli Stati Uniti. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 5/6 |
| Crescita futura | 5/6 |
| Prestazioni passate | 4/6 |
| Salute finanziaria | 4/6 |
| Dividendi | 3/6 |
Premi
Analisi del rischio
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INTR Community Fair Values
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Inter & Co
83.2% sottovalutato sconto intrinseco
Inter&Co - 60/30/30 Plan
View narrativeSO
Updated 25 Mar
Concorrenti di Inter & Co, Inc.
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$5.58 |
| Massimo di 52 settimane | US$10.36 |
| Minimo di 52 settimane | US$5.04 |
| Beta | 0.95 |
| Variazione di 1 mese | 7.51% |
| Variazione a 3 mesi | -3.29% |
| Variazione di 1 anno | -37.65% |
| Variazione a 3 anni | 28.28% |
| Variazione a 5 anni | n/a |
| Variazione dall'IPO | 60.34% |
Notizie e aggiornamenti recenti
Aggiornamento narrativa • Sep 03
INTR: U.S. Branch And Wearables Will Support Future Earnings Repricing
Analysts have trimmed their price target for Inter & Co from $11.00 to $10.40, citing updated assumptions for revenue growth, profit margins and future P/E levels while maintaining a similar discount rate in their valuation work. What’s in the News for Inter & Co Inter Pag, the merchant acquiring arm of Inter & Co in Brazil, selected ACI Worldwide’s ACI Acquiring Platform to modernize its payment processing, fraud prevention, analytics and ecommerce tools, supporting broader payment orchestration across channels.
Aggiornamento narrativa • Aug 14
INTR: Rule Of 50 Execution And Miami Expansion Will Support Future Upside
Inter & Co's analyst price target has been revised slightly lower to about $8.77 from roughly $9.61 as analysts incorporate updated assumptions for revenue growth, profit margins and future P/E into their models. What’s in the News for Inter & Co Inter & Co reported record Q2 2026 results with net income of R$421.11 million and earnings per share of R$0.95.Seeking Alpha • Aug 10
Inter & Co Q2: The Real Story Isn't Just Customer Growth
Summary Inter & Co, Inc. demonstrates reaccelerating customer and ARPAC growth in Q2, despite the stock dropping over 40% in six months. Q2 highlights include 1.3 million net customer additions, 15% YoY customer growth, and improving ROE to 16.3%, approaching the "rule of 50" milestone. Credit portfolio growth remains robust, though rising NPLs (5.3%)—notably in Private Payroll—reflect macro and product-specific risks. INTR stock trades at ~5.5x 2027E earnings, presenting a highly asymmetric risk/reward; I maintain a Buy rating given compelling valuation and improving fundamentals. Read the full article on Seeking AlphaAggiornamento narrativa • Jul 30
INTR: U.S. Expansion And Wearable Payments Will Support Earnings Repricing
Analysts have reduced their price target on Inter & Co from $12.50 to $11.00, citing updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E. What’s in the News for Inter & Co Inter & Co announced the U.S. launch of its wearable payment line, the Inter Ring and Inter Wristband, which use passive NFC technology and connect to customers’ existing Inter credit cards, according to company product announcements.Recent updates
Aggiornamento narrativa • Sep 03
INTR: U.S. Branch And Wearables Will Support Future Earnings Repricing
Analysts have trimmed their price target for Inter & Co from $11.00 to $10.40, citing updated assumptions for revenue growth, profit margins and future P/E levels while maintaining a similar discount rate in their valuation work. What’s in the News for Inter & Co Inter Pag, the merchant acquiring arm of Inter & Co in Brazil, selected ACI Worldwide’s ACI Acquiring Platform to modernize its payment processing, fraud prevention, analytics and ecommerce tools, supporting broader payment orchestration across channels.Aggiornamento narrativa • Aug 14
INTR: Rule Of 50 Execution And Miami Expansion Will Support Future Upside
Inter & Co's analyst price target has been revised slightly lower to about $8.77 from roughly $9.61 as analysts incorporate updated assumptions for revenue growth, profit margins and future P/E into their models. What’s in the News for Inter & Co Inter & Co reported record Q2 2026 results with net income of R$421.11 million and earnings per share of R$0.95.Seeking Alpha • Aug 10
Inter & Co Q2: The Real Story Isn't Just Customer Growth
Summary Inter & Co, Inc. demonstrates reaccelerating customer and ARPAC growth in Q2, despite the stock dropping over 40% in six months. Q2 highlights include 1.3 million net customer additions, 15% YoY customer growth, and improving ROE to 16.3%, approaching the "rule of 50" milestone. Credit portfolio growth remains robust, though rising NPLs (5.3%)—notably in Private Payroll—reflect macro and product-specific risks. INTR stock trades at ~5.5x 2027E earnings, presenting a highly asymmetric risk/reward; I maintain a Buy rating given compelling valuation and improving fundamentals. Read the full article on Seeking AlphaAggiornamento narrativa • Jul 30
INTR: U.S. Expansion And Wearable Payments Will Support Earnings Repricing
Analysts have reduced their price target on Inter & Co from $12.50 to $11.00, citing updated assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E. What’s in the News for Inter & Co Inter & Co announced the U.S. launch of its wearable payment line, the Inter Ring and Inter Wristband, which use passive NFC technology and connect to customers’ existing Inter credit cards, according to company product announcements.
Aggiornamento narrativa • Jun 24
INTR: Miami Expansion And Funding Shift Will Shape Balanced Risk Reward Outlook
Analysts have reduced their fair value estimate for Inter & Co from $6.15 to $5.38, reflecting updated assumptions for revenue growth, profit margins and future P/E multiples in their price target models. What’s in the News for Inter & Co Inter & Co opened a U.S. branch in Miami, Florida, as a state-licensed branch of Banco Inter S.A., with authorization from the Federal Reserve and the Florida Office of Financial Regulation, to support clients with cross-border financial needs and U.S.-related activities.Aggiornamento narrativa • Jun 09
INTR: Miami Expansion And Governance Changes Will Support Future Upside Potential
Analysts have trimmed their price target on Inter & Co slightly to about $9.61 from around $9.71, reflecting small adjustments to the discount rate, fair value inputs, and expected future P/E in their models. What's in the News Inter opened a U.S. branch in Miami, Florida, as a state licensed extension of Banco Inter S.A., with authorization from the Board of Governors of the Federal Reserve and the Florida Office of Financial Regulation.Aggiornamento narrativa • May 26
INTR: New Governance Framework Will Support Future Leadership Expansion Upside
Analysts have trimmed their fair value estimate for Inter & Co. from $10.44 to $9.71, reflecting updated assumptions that include a slightly higher discount rate, a marginally different revenue growth outlook, a small adjustment to profit margin expectations, and a lower future P/E multiple. What's in the News Inter & Co held its 2026 annual general meeting on April 29, 2026, where shareholders approved replacing the Third Amended and Restated Memorandum and Articles of Association with a Fourth Amended and Restated version that fully restates the company’s governing documents (Key Developments).Aggiornamento narrativa • May 03
INTR: Governance Changes At Upcoming Meeting Will Support Cross Border Banking Upside
Analysts have nudged their price target for Inter & Co higher to $10.44 from $10.25, reflecting slightly adjusted assumptions on discount rate, revenue growth, profit margin and future P/E multiples. What's in the News Inter & Co scheduled its 2026 Annual General Meeting for April 29, 2026, to be held virtually and at the company’s offices, with shareholders of record as of the close of business on March 23, 2026, entitled to receive notice of the meeting (company announcement).Aggiornamento narrativa • Apr 18
INTR: Upcoming Governance Changes And Investor Day Will Support Earnings Repricing
Analysts have trimmed their 12 month price target for Inter & Co to $12.50, citing updated assumptions that keep fair value steady at $12.50 while reflecting slightly revised views on the discount rate, revenue growth, profit margin, and future P/E. What's in the News Inter & Co scheduled its 2026 Annual General Meeting for April 29, 2026, to be held virtually and at the company offices, with shareholders of record as of March 23, 2026 invited to participate (company filing).Aggiornamento narrativa • Apr 04
INTR: Miami Branch And Governance Changes Will Support Cross Border Banking Upside
Inter & Co's updated analyst price target holds steady at $10.25, with analysts attributing the change to small refinements in the discount rate and forward P/E assumptions rather than any major shift in the core outlook. What's in the News Inter & Co plans to hold its 2026 Annual General Meeting on April 29, 2026, both virtually and at the company offices, with shareholders of record as of March 23, 2026 eligible to receive notice of the meeting (company filing).
Aggiornamento narrativa • Mar 25
Inter&Co - 60/30/30 Plan
# ======================================================== 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.Aggiornamento narrativa • Mar 20
INTR: Miami Branch Approval Will Support Cross Border Banking Earnings Repricing
Analysts have modestly revised their price target on Inter & Co, keeping fair value steady at $12.50, as small tweaks to the discount rate, revenue growth, profit margin and future P/E assumptions largely offset each other in their models. What's in the News Inter received regulatory approval from the Florida Office of Financial Regulation and the Federal Reserve to establish a state licensed international banking branch in Miami.Aggiornamento narrativa • Mar 06
INTR: Miami Digital Banking Branch Will Support Higher Future Earnings Multiple
Analysts have raised their price target on Inter & Co shares from $11.50 to $12.50, reflecting updated assumptions about revenue growth, profit margins, and future P/E multiples within their valuation models. What's in the News Inter & Co is planning an Analyst/Investor Day, giving management a platform to explain its business model, capital allocation priorities, and long term ambitions directly to shareholders and potential investors (Key Developments).Aggiornamento narrativa • Feb 20
INTR: Miami Branch Expansion Will Support Cross Border Banking Upside
Analysts have modestly raised their fair value estimate for Inter & Co to about $10.25 from roughly $9.69, reflecting updated views on discount rate assumptions, revenue growth expectations, profit margins, and forward P/E levels. What's in the News Inter & Co received regulatory approval from the Florida Office of Financial Regulation and the Federal Reserve to establish a state licensed international banking branch in Miami, Florida, focused on digital first cross border services for individuals and businesses (Key Developments).Aggiornamento narrativa • Feb 05
INTR: Florida Banking Branch Expansion Will Present Overhyped Risk For Future Returns
Analysts have lifted their fair value estimate for Inter & Co from US$5.31 to US$6.15 as they factor in higher expected revenue growth, a slightly lower discount rate, and a more modest future P/E assumption, while keeping profit margin expectations broadly in line with prior views. What's in the News Inter has received regulatory approval from the Florida Office of Financial Regulation and the Federal Reserve to establish a state licensed international banking branch in Florida, with the branch based in Miami and focused on cross border services for individuals and businesses.Aggiornamento narrativa • Jan 22
INTR: Florida Digital Banking Expansion Will Support Higher Future Earnings Multiple
Analysts have nudged their price target on Inter & Co up from US$11.30 to US$11.50, linking this modest change to slightly adjusted assumptions on the discount rate, revenue growth, profit margin, and future P/E multiples. What's in the News Inter received regulatory approval from the Florida Office of Financial Regulation and the Federal Reserve to establish a state licensed international banking branch in Florida, centered in Miami (Key Developments).Aggiornamento narrativa • Jan 06
INTR: Slight Assumption Tweaks Will Keep Fair Value View Largely Intact
Analysts have inched down their fair value estimate for Inter & Co to about US$9.69 from roughly US$9.73, citing slightly adjusted assumptions for the discount rate, long term revenue growth, profit margin, and future P/E multiples. Valuation Changes The fair value estimate was trimmed slightly from about US$9.73 to about US$9.69 per share.Aggiornamento narrativa • Dec 16
INTR: Stronger Revenue Outlook Will Support Increased Future Earnings Multiple
Narrative Update on Inter & Co Analysts have raised their fair value estimate for Inter & Co from approximately $9.90 to $11.30 per share, reflecting slightly stronger projected revenue growth that more than offsets a modestly lower profit margin outlook and a somewhat higher expected future P/E multiple. Valuation Changes The Fair Value Estimate has risen moderately from $9.92 to $11.30 per share, implying a higher intrinsic value for Inter & Co. The Discount Rate has edged down slightly from 11.94 percent to about 11.71 percent, modestly lowering the required return applied in the valuation.Aggiornamento narrativa • Dec 02
INTR: Modest Revenue Increases And Margin Dips Will Sustain Current Value
Inter & Co.'s fair value price target has been raised by analysts from $9.30 to $9.73. This reflects optimism based on modest improvements in revenue growth and a slightly reduced discount rate, despite a dip in projected profit margins.Aggiornamento narrativa • Nov 18
INTR: Revenue And Margins Will Support Steady Prospects Near Current Value
Analysts have raised their price target for Inter & Co. from $8.83 to $9.30, citing improved revenue growth projections and slightly enhanced profit margins as key drivers for the upward revision. Valuation Changes Fair Value: increased slightly, moving from $8.83 to $9.30.Aggiornamento narrativa • Nov 01
INTR: Marginally Improved Margins And Revenue Are Expected To Sustain Fair Value
Analyst Price Target Update for Inter & Co Analysts have raised their price target for Inter & Co to $8.83 from $8.73, citing marginally improved revenue growth and profit margins in their updated models. Valuation Changes Fair Value Estimate has risen slightly, from $8.73 to $8.83.Aggiornamento narrativa • Oct 17
Mobile Banking And Digital Payments Will Unlock Latin America Potential
Analysts have raised their price target for Inter & Co., increasing the estimated fair value from $8.38 to $8.73 per share. They cited improved outlooks on revenue growth and profit margin expectations.Aggiornamento narrativa • Sep 03
Mobile Banking And Digital Payments Will Unlock Latin America Potential
Inter & Co's consensus price target increased to $8.38, primarily driven by a sharp improvement in future valuation expectations as reflected in the substantial drop in its forward P/E ratio. Valuation Changes Summary of Valuation Changes for Inter & Co The Consensus Analyst Price Target has risen slightly from $8.21 to $8.38.Seeking Alpha • Feb 24
Why Investors Are Sleeping On Inter's Long-Term Potential
Summary Inter & Co's Q4 results show strong growth with 36 million customers and a 12% ROE, yet the market undervalues it compared to peers. Inter's low cost to serve and rising ARPAC indicate potential for continued earnings growth and customer base expansion. Marketing expenses surged 150% YoY, raising concerns about achieving a 60 million customer base by 2027 amid stiff competition from Nu Holdings and Mercado Pago. Inter's low valuation multiples and potential for earnings growth and shareholder remuneration present a compelling investment opportunity despite macroeconomic and competitive challenges. Read the full article on Seeking AlphaSeeking Alpha • Feb 12
Inter Price Is Too Low Despite The Risks, It Is An Opportunity
Summary Inter & Co, Inc.'s rapid growth, with a 30%+ YoY increase in assets and almost 200% YoY net income growth, makes it a compelling buy despite risks. The bank's efficiency measures lag peers, but its low-cost deposit funding offers a significant advantage, though this is eroding. Inter's valuation at a P/E of 11x is attractive given its high growth rates, but risks include asset quality and potential funding cost increases. Despite potential delinquencies and currency risks, the current low price relative to growth justifies a Buy rating for INTR stock. Read the full article on Seeking AlphaSeeking Alpha • Nov 28
Inter & Co Q3: Recent Drop In Stock Is An Opportunity
Summary Inter & Co's 3Q24 results were released on November 14, surpassing revenue estimates but missing earnings per share projections. The company's performance highlights strong revenue growth, indicating robust business operations despite the earnings miss. The analysis suggests optimism, recommending a close watch on upcoming quarters for better clarity on earnings stability. Read the full article on Seeking AlphaArticolo di analisi • Nov 23
If EPS Growth Is Important To You, Inter & Co (NASDAQ:INTR) Presents An Opportunity
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
Nuova narrativa • Nov 21
Expanding Financial Horizons With A Cutting-Edge Super App And AI Innovations
Inter & Co's Super App and innovation initiatives leverage diverse services and AI solutions, enhancing customer engagement, sales conversions, and monetization.Seeking Alpha • Sep 18
Inter & Co Q2: Excellent Results, Thesis Materializing
Summary Inter & Co's net income surged 248% YoY, achieving a 10.4% ROE, indicating a resilient business model combining growth and profitability. The company's valuation appears attractive compared to peers, with a P/B of 2x and strong growth potential, supporting my buy recommendation. Despite some risks, including slower net investment income growth, Inter & Co's promising results and potential sector expansion make it a compelling investment. Read the full article on Seeking AlphaArticolo di analisi • Aug 09
Is Now The Time To Put Inter & Co (NASDAQ:INTR) On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Seeking Alpha • Apr 20
Inter & Co: New Strategy Being Executed Impeccably
Summary Inter & Co delivered excellent results after its IPO in 2018, however the rise in interest rates harmed the company, which carried out a successful change in strategy. Over the last 12 months, the company has focused on more profitable businesses and reducing its costs. This caused its shares to rise more than 200%. Despite the improvement in results and a bold growth plan until 2027, the company's valuation appears cheap compared to its peers and its own history. Read the full article on Seeking AlphaSeeking Alpha • Apr 03
Inter & Co: Financial Super App Faces A Growth Test In 2024
Summary Inter & Co is generating strong growth through its Fintech platform as a digital bank in Brazil. The company has expanded operations into the United States with a plan to double its client base over the next few years. While benefiting from solid fundamentals, a backdrop of high expectations in a highly competitive market should keep shares volatile. Read the full article on Seeking AlphaSeeking Alpha • Feb 14
Inter & Co's Q4 Earnings: Defaults Taking A Dip, Bold Plan Gaining Ground
Summary Inter & Co reported record growth in 2023, aligning with its ambitious growth plan to rival traditional banks in Brazil by 2027. The digital bank showcased robust growth in net profit, credit portfolio, and client expansion in Q4 2023. The decline in delinquencies suggests potential growth in new loan originations, driving operational growth in the future. Despite dilution concerns, the market has reacted positively to The Company's capital increase. INTR's trading below a 1.5x price-to-book ratio is appealing, considering its robust growth as a digital bank. Read the full article on Seeking AlphaRendimenti per gli azionisti
| INTR | US Banks | US Mercato | |
|---|---|---|---|
| 7D | -1.4% | -2.3% | -1.5% |
| 1Y | -37.7% | 16.0% | 13.3% |
Ritorno vs Industria: INTR ha avuto una performance inferiore rispetto al US Banks che ha registrato un rendimento 16 % nell'ultimo anno.
Rendimento vs Mercato: INTR ha avuto una performance inferiore al mercato US che ha registrato un rendimento 13.3 % nell'ultimo anno.
Volatilità dei prezzi
| INTR volatility | |
|---|---|
| INTR Average Weekly Movement | 6.1% |
| Banks Industry Average Movement | 3.1% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.3% |
| 10% least volatile stocks in US Market | 2.9% |
Prezzo delle azioni stabile: INTR non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 6% ) di INTR è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 1994 | n/a | Joao Vitor Nazareth Teixeira de Souza | inter.co |
Inter & Co, Inc. attraverso le sue controllate, opera nel settore bancario e della spesa, degli investimenti, del brokeraggio assicurativo e dell'intermediazione in Brasile e negli Stati Uniti. L'azienda offre prodotti e servizi bancari, tra cui conti correnti, carte, depositi, prestiti e anticipi e altri servizi, nonché recupero crediti, servizi finanziari e di cambio e soluzioni digitali globali per i conti. Fornisce anche servizi di acquisizione, vendita e custodia di titoli; struttura e distribuisce titoli; gestisce portafogli di fondi e altre attività.
Inter & Co, Inc. Riepilogo dei fondamenti
| INTR statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$2.52b |
| Utili (TTM) | US$296.63m |
| Ricavi(TTM) | US$1.29b |
8.3x
Rapporto P/E1.2x
Rapporto P/BINTR è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| INTR Conto economico (TTM) | |
|---|---|
| Ricavi | R$6.66b |
| Costo del fatturato | R$0 |
| Profitto lordo | R$6.66b |
| Altre spese | R$5.14b |
| Utili | R$1.53b |
Ultimi utili riportati
Jun 30, 2026
Prossima data di guadagno
Nov 12, 2026
| Utile per azione (EPS) | 3.46 |
| Margine lordo | 100.00% |
| Margine di profitto netto | 22.92% |
| Rapporto debito/patrimonio netto | 189.9% |
Come si è comportato INTR nel lungo periodo?
Vedi performance storica e confrontoDividendi
1.9%
Rendimento attuale del dividendo18%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/09/14 03:36 |
| Prezzo dell'azione a fine giornata | 2026/09/14 00:00 |
| Utili | 2026/06/30 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
|
* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.
Scoprite il che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Inter & Co, Inc. è coperta da 19 analisti. 13 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Rafael Reis | BB Banco de Investimento S.A. |
| Mario Lucio Pierry | BofA Global Research |
| Francisco Navarrete | Bradesco S.A. Corretora de Títulos e Valores Mobiliários |