View ValuationInter & Co 향후 성장Future 기준 점검 5/6Inter & Co (는) 각각 연간 22.9% 및 22.3% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 24% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 18.8% 로 예상됩니다.핵심 정보22.9%이익 성장률23.97%EPS 성장률Banks 이익 성장8.2%매출 성장률22.3%향후 자기자본이익률18.77%애널리스트 커버리지Good마지막 업데이트21 May 2026최근 향후 성장 업데이트업데이트 없음모든 업데이트 보기Recent updates공시 • Apr 16Inter & Co, Inc. to Report Q1, 2026 Results on May 07, 2026Inter & Co, Inc. announced that they will report Q1, 2026 results at 9:30 AM, US Eastern Standard Time on May 07, 2026공시 • Mar 30Inter & Co, Inc., Annual General Meeting, Apr 29, 2026Inter & Co, Inc., Annual General Meeting, Apr 29, 2026. Location: avenida barbacena 1219, city of belo horizonte, state of minas gerais, cep 30190-131., Brazil공시 • Feb 11Inter & Co, Inc. Approves Cash Dividend, Payable on March 5, 2026The board of directors of Inter & Co, Inc. approved the payment of cash dividend of USD 0.113101823 per common share, payable on March 5, 2026 to shareholders of record as of February 22, 2026. The estimated gross amount for the payment of dividends to be made in Brazilian Reais to holders of the Company's Brazilian Depositary Receipts ("BDRS") is BRL 0.594689388 per BDR, considering the U.S. dollar exchange rate (PTAX as of February 10, 2026) at BRL 5.2580, with the expected payment date being March 13, 2026. The actual payment date and the corresponding amount of such cash dividend to be paid in Brazilian Reais to BDRS holders will be announced after March 9, 2026, once Banco Bradesco S.A., the depositary of the BDR program sponsored by the Company, receives the cash dividend paid to the shares backing the BDRS.공시 • Jan 26Inter & Co, Inc. Announces Management ChangesInter & Co, Inc. announced changes to the positions of company's officers to reflect senior management that currently directly reports to Global Chief executive officer. The company announced updated position for Alexandre Riccio de Oliveira as Brazil Chief Executive Officer, Marlos Francisco de Araujo as Chief Risk Officer, Rodrigo Teodoro Martins de Gouveia as Chief Commerce Officer and Thais Leite Lemos as Chief Human Resources Officer.공시 • Jan 12Inter & Co, Inc. to Report Q4, 2025 Results on Feb 10, 2026Inter & Co, Inc. announced that they will report Q4, 2025 results at 9:30 AM, US Eastern Standard Time on Feb 10, 2026공시 • Oct 17Inter & Co, Inc. to Report Q3, 2025 Results on Nov 13, 2025Inter & Co, Inc. announced that they will report Q3, 2025 results Pre-Market on Nov 13, 2025공시 • Jul 24Inter & Co, Inc. to Report Q2, 2025 Results on Aug 06, 2025Inter & Co, Inc. announced that they will report Q2, 2025 results Pre-Market on Aug 06, 2025공시 • May 05Inter & Co, Inc. to Report Q1, 2025 Results on May 12, 2025Inter & Co, Inc. announced that they will report Q1, 2025 results Pre-Market on May 12, 2025공시 • Apr 15Inter & Co, Inc. Appoints Marco Antônio Martins Araújo Filho as Global Chief Legal OfficerINTER&CO, INC approved changes to the Board of Officers of the Company, reflecting the new organization of the senior management structure. Marco Antônio Martins Araújo Filho (Marco Araújo) has been appointed as the Global Chief Legal Officer of Inter&Co. Before joining Inter&Co, Marco served as Chief Legal and Compliance Officer at Nubank (2020-2023). Previously, he held the positions of Global General Counsel at HSBC (2014-2020), General Counsel at Banco Santander (2008-2014), General Counsel Latin America at Banco Real ABN AMRO (2003-2008), and Senior Lawyer at Banco Itaú BBA (1994-2003). He has a bachelor's degree in law from Universidade de Brasília (1987) and LLM from Fordham University School of Law (1992). With his extensive experience, Marco Araújo will be responsible for leading the global compliance, legal, and public policy teams while also driving the expansion and development of the Company and its subsidiaries.공시 • Apr 11Inter & Co, Inc., Annual General Meeting, May 08, 2025Inter & Co, Inc., Annual General Meeting, May 08, 2025. Location: avenida barbacena 1219, city of belo horizonte, state of minas geraisand, belo horizonte Brazil공시 • Feb 06Inter & Co, Inc. Approves the Payment of Cash Dividend, Payable on February 26, 2025INTER & CO, INC. announced that its Board of Directors has approved the payment of a cash dividend of USD 0.08 per common share of the Company, out of the profit reported in the 2024 financial statements. The dividend will be paid on February 26, 2025, to shareholders of record as of February 17, 2025.공시 • Jan 16Inter & Co, Inc. to Report Q4, 2024 Results on Feb 06, 2025Inter & Co, Inc. announced that they will report Q4, 2024 results Pre-Market on Feb 06, 2025Reported Earnings • Nov 15Third quarter 2024 earnings released: EPS: R$0.56 (vs R$0.23 in 3Q 2023)Third quarter 2024 results: EPS: R$0.56 (up from R$0.23 in 3Q 2023). Revenue: R$1.20b (up 41% from 3Q 2023). Net income: R$242.7m (up 166% from 3Q 2023). Profit margin: 20% (up from 11% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 2.9% growth forecast for the Banks industry in Europe.Buy Or Sell Opportunity • Nov 14Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 17% to €5.50. The fair value is estimated to be €7.07, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 35% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 25% per annum. Earnings are also forecast to grow by 37% per annum over the same time period.공시 • Oct 10Inter & Co, Inc. to Report Q3, 2024 Results on Nov 14, 2024Inter & Co, Inc. announced that they will report Q3, 2024 results at 9:30 AM, US Eastern Standard Time on Nov 14, 2024Reported Earnings • Aug 08Second quarter 2024 earnings released: EPS: R$0.48 (vs R$0.12 in 2Q 2023)Second quarter 2024 results: EPS: R$0.48 (up from R$0.12 in 2Q 2023). Revenue: R$1.06b (up 41% from 2Q 2023). Net income: R$206.5m (up 324% from 2Q 2023). Profit margin: 20% (up from 6.5% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 27% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe.공시 • Jul 13Inter & Co, Inc. to Report Q2, 2024 Results on Aug 07, 2024Inter & Co, Inc. announced that they will report Q2, 2024 results Pre-Market on Aug 07, 2024Buy Or Sell Opportunity • Jul 12Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 15% to €5.80. The fair value is estimated to be €4.75, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 37% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 25% per annum. Earnings are also forecast to grow by 34% per annum over the same time period.Buy Or Sell Opportunity • May 17Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 15% to €5.70. The fair value is estimated to be €4.67, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 37% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 119% in 2 years. Earnings are forecast to grow by 189% in the next 2 years.Reported Earnings • May 09First quarter 2024 earnings released: EPS: R$0.43 (vs R$0.028 in 1Q 2023)First quarter 2024 results: EPS: R$0.43 (up from R$0.028 in 1Q 2023). Revenue: R$989.9m (up 47% from 1Q 2023). Net income: R$182.8m (up R$171.4m from 1Q 2023). Profit margin: 19% (up from 1.7% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe.공시 • Apr 27Inter & Co, Inc. to Report Q1, 2024 Results on May 09, 2024Inter & Co, Inc. announced that they will report Q1, 2024 results Pre-Market on May 09, 2024New Risk • Apr 22New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 9.2% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Short dividend paying track record (less than a year of continuous dividend payments). Shareholders have been diluted in the past year (9.2% increase in shares outstanding).New Risk • Apr 18New minor risk - Dividend sustainabilityThe company has a short dividend paying track record. Less than a year of continuous dividend payments. Dividend yield: 2.3% This is considered a minor risk. For dividend focussed investors, companies that have not established a long-term track record of consistently maintaining or growing dividends are less attractive than those companies that have a long track record. Those that have a long track record have proven their underlying business is stable enough to consistently maintain or grow the dividend and that the company considers maintaining the dividend to be one of its priorities. For dividend paying companies, any reduction in the dividend can significantly impact the share price. This is currently the only risk that has been identified for the company.Valuation Update With 7 Day Price Move • Apr 17Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to €4.50, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 8x in the Banks industry in Europe. Simply Wall St's valuation model estimates the intrinsic value at €4.73 per share.공시 • Mar 24Inter & Co, Inc., Annual General Meeting, Apr 26, 2024Inter & Co, Inc., Annual General Meeting, Apr 26, 2024, at 19:30 Coordinated Universal Time. Location: Avenida Barbacena nº 1219, in the city of Belo Horizonte, state of Minas Gerais, CEP 30190-131, Minas Gerais Brazil Agenda: To approve, ratify, and confirm the Company's financial statements and the Auditor's report for the fiscal year ended 31 December 2023; to approve, ratify, and confirm proposed annual budget of USD 15,802,867.00 (fifteen million, eight hundred and two thousand, eight hundred and sixty-seven US dollars) for the aggregate compensation payable by the Company to the directors and officers of the Company; to consider Claudia Farkouh Prado be appointed as a director of the Company with immediate effect to hold office for a two-year term in accordance with the Articles of Association of the Company; and to consider other matters.Buy Or Sell Opportunity • Mar 05Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 23% to €5.45. The fair value is estimated to be €4.52, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 39% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 128% in 2 years. Earnings are forecast to grow by 235% in the next 2 years.Reported Earnings • Feb 09Full year 2023 earnings released: EPS: R$0.75 (vs R$0.028 loss in FY 2022)Full year 2023 results: EPS: R$0.75 (up from R$0.028 loss in FY 2022). Revenue: R$3.21b (up 30% from FY 2022). Net income: R$302.3m (up R$313.4m from FY 2022). Profit margin: 9.4% (up from net loss in FY 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 30% p.a. on average during the next 3 years, compared to a 2.1% growth forecast for the Banks industry in Europe.Buy Or Sell Opportunity • Feb 03Now 23% overvalued after recent price riseOver the last 90 days, the stock has risen 7.2% to €4.74. The fair value is estimated to be €3.85, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 42% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 133% in 2 years. Earnings are forecast to grow by 423% in the next 2 years.공시 • Jan 26Inter & Co, Inc. to Report Q4, 2023 Results on Feb 07, 2024Inter & Co, Inc. announced that they will report Q4, 2023 results After-Market on Feb 07, 2024Valuation Update With 7 Day Price Move • Jan 19Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to €4.06, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 7x in the Banks industry in Europe. Simply Wall St's valuation model estimates the intrinsic value at €3.88 per share.공시 • Jan 18+ 1 more updateInter & Co, Inc. has filed a Follow-on Equity Offering.Inter & Co, Inc. has filed a Follow-on Equity Offering. Security Name: Class A Common Shares Security Type: Common Stock Securities Offered: 32,000,000Valuation Update With 7 Day Price Move • Nov 15Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €5.05, the stock trades at a forward P/E ratio of 17x. Average forward P/E is 7x in the Banks industry in Europe. Simply Wall St's valuation model estimates the intrinsic value at €2.78 per share.Reported Earnings • Nov 07Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: R$857.6m (up 46% from 3Q 2022). Net income: R$91.3m (up R$121.3m from 3Q 2022). Profit margin: 11% (up from net loss in 3Q 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 29% p.a. on average during the next 3 years, compared to a 2.4% growth forecast for the Banks industry in Europe.공시 • Oct 08Inter & Co, Inc. to Report Q3, 2023 Results on Nov 06, 2023Inter & Co, Inc. announced that they will report Q3, 2023 results on Nov 06, 2023New Risk • Aug 31New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 57% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (10% average weekly change). Minor Risk Large one-off items impacting financial results.Reported Earnings • Aug 16Second quarter 2023 earnings released: EPS: R$0.12 (vs R$0.076 loss in 2Q 2022)Second quarter 2023 results: EPS: R$0.12 (up from R$0.076 loss in 2Q 2022). Revenue: R$751.5m (up 42% from 2Q 2022). Net income: R$48.7m (up R$79.1m from 2Q 2022). Profit margin: 6.5% (up from net loss in 2Q 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 33% p.a. on average during the next 3 years, compared to a 3.6% growth forecast for the Banks industry in Europe.공시 • Jul 04Inter & Co, Inc. to Report Q2, 2023 Results on Aug 14, 2023Inter & Co, Inc. announced that they will report Q2, 2023 results on Aug 14, 2023이익 및 매출 성장 예측DB:QN7 - 애널리스트 향후 추정치 및 과거 재무 데이터 (BRL Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/202815,5282,992N/AN/A812/31/202712,9452,380N/AN/A1012/31/202610,6471,838N/AN/A93/31/20266,3201,421-3,239-2,663N/A12/31/20255,9851,312-4,920-4,350N/A9/30/20255,6281,213-2,769-2,189N/A6/30/20255,3111,120-2,949-2,581N/A3/31/20254,9351,011-5,313-4,770N/A12/31/20244,601907-6,902-6,393N/A9/30/20244,180783-7,453-7,026N/A6/30/20243,833631-7,281-6,707N/A3/31/20243,527474-3,087-2,772N/A12/31/20233,211302-1,739-1,465N/A9/30/20233,020184-2,095-1,752N/A6/30/20232,74962-3,247-2,919N/A3/31/20232,632-3-3,565-3,326N/A12/31/20222,479-11-3,485-3,206N/A9/30/20222,290-94-2,545-2,313N/A6/30/20222,171-29-2,331-2,121N/A3/31/20221,797-48-4,376-4,074N/A12/31/20211,626-36-6,093-5,805N/A9/30/20211,332-5-6,584-6,317N/A6/30/20211,036-61-6,208-5,938N/A3/31/20211,10318-5,766-5,530N/A12/31/202090710-4,894-4,741N/A9/30/202082335-3,900-3,750N/A6/30/202080067-2,806-2,669N/A3/31/202064957-2,451-2,336N/A12/31/201963579N/A-1,723N/A9/30/2019563123N/A-847N/A6/30/2019531131N/A-464N/A3/31/201945169N/A-195N/A12/31/201840968N/A-230N/A9/30/201837316N/A-375N/A6/30/20183208N/A-296N/A3/31/201828653N/A-293N/A12/31/201726048N/A-63N/A12/31/201623825N/A367N/A12/31/201520433N/A-21N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: QN7 의 연간 예상 수익 증가율(22.9%)이 saving rate(1.9%)보다 높습니다.수익 vs 시장: QN7 의 연간 수익(22.9%)이 German 시장(16.9%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: QN7 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: QN7 의 수익(연간 22.3%)이 German 시장(연간 6.8%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: QN7 의 수익(연간 22.3%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: QN7의 자본 수익률은 3년 후 18.8%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/21 13:08종가2026/05/20 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Inter & Co, Inc.는 19명의 분석가가 다루고 있습니다. 이 중 13명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Rafael ReisBB Banco de Investimento S.A.Mario Lucio PierryBofA Global ResearchFrancisco NavarreteBradesco S.A. Corretora de Títulos e Valores Mobiliários16명의 분석가 더 보기
공시 • Apr 16Inter & Co, Inc. to Report Q1, 2026 Results on May 07, 2026Inter & Co, Inc. announced that they will report Q1, 2026 results at 9:30 AM, US Eastern Standard Time on May 07, 2026
공시 • Mar 30Inter & Co, Inc., Annual General Meeting, Apr 29, 2026Inter & Co, Inc., Annual General Meeting, Apr 29, 2026. Location: avenida barbacena 1219, city of belo horizonte, state of minas gerais, cep 30190-131., Brazil
공시 • Feb 11Inter & Co, Inc. Approves Cash Dividend, Payable on March 5, 2026The board of directors of Inter & Co, Inc. approved the payment of cash dividend of USD 0.113101823 per common share, payable on March 5, 2026 to shareholders of record as of February 22, 2026. The estimated gross amount for the payment of dividends to be made in Brazilian Reais to holders of the Company's Brazilian Depositary Receipts ("BDRS") is BRL 0.594689388 per BDR, considering the U.S. dollar exchange rate (PTAX as of February 10, 2026) at BRL 5.2580, with the expected payment date being March 13, 2026. The actual payment date and the corresponding amount of such cash dividend to be paid in Brazilian Reais to BDRS holders will be announced after March 9, 2026, once Banco Bradesco S.A., the depositary of the BDR program sponsored by the Company, receives the cash dividend paid to the shares backing the BDRS.
공시 • Jan 26Inter & Co, Inc. Announces Management ChangesInter & Co, Inc. announced changes to the positions of company's officers to reflect senior management that currently directly reports to Global Chief executive officer. The company announced updated position for Alexandre Riccio de Oliveira as Brazil Chief Executive Officer, Marlos Francisco de Araujo as Chief Risk Officer, Rodrigo Teodoro Martins de Gouveia as Chief Commerce Officer and Thais Leite Lemos as Chief Human Resources Officer.
공시 • Jan 12Inter & Co, Inc. to Report Q4, 2025 Results on Feb 10, 2026Inter & Co, Inc. announced that they will report Q4, 2025 results at 9:30 AM, US Eastern Standard Time on Feb 10, 2026
공시 • Oct 17Inter & Co, Inc. to Report Q3, 2025 Results on Nov 13, 2025Inter & Co, Inc. announced that they will report Q3, 2025 results Pre-Market on Nov 13, 2025
공시 • Jul 24Inter & Co, Inc. to Report Q2, 2025 Results on Aug 06, 2025Inter & Co, Inc. announced that they will report Q2, 2025 results Pre-Market on Aug 06, 2025
공시 • May 05Inter & Co, Inc. to Report Q1, 2025 Results on May 12, 2025Inter & Co, Inc. announced that they will report Q1, 2025 results Pre-Market on May 12, 2025
공시 • Apr 15Inter & Co, Inc. Appoints Marco Antônio Martins Araújo Filho as Global Chief Legal OfficerINTER&CO, INC approved changes to the Board of Officers of the Company, reflecting the new organization of the senior management structure. Marco Antônio Martins Araújo Filho (Marco Araújo) has been appointed as the Global Chief Legal Officer of Inter&Co. Before joining Inter&Co, Marco served as Chief Legal and Compliance Officer at Nubank (2020-2023). Previously, he held the positions of Global General Counsel at HSBC (2014-2020), General Counsel at Banco Santander (2008-2014), General Counsel Latin America at Banco Real ABN AMRO (2003-2008), and Senior Lawyer at Banco Itaú BBA (1994-2003). He has a bachelor's degree in law from Universidade de Brasília (1987) and LLM from Fordham University School of Law (1992). With his extensive experience, Marco Araújo will be responsible for leading the global compliance, legal, and public policy teams while also driving the expansion and development of the Company and its subsidiaries.
공시 • Apr 11Inter & Co, Inc., Annual General Meeting, May 08, 2025Inter & Co, Inc., Annual General Meeting, May 08, 2025. Location: avenida barbacena 1219, city of belo horizonte, state of minas geraisand, belo horizonte Brazil
공시 • Feb 06Inter & Co, Inc. Approves the Payment of Cash Dividend, Payable on February 26, 2025INTER & CO, INC. announced that its Board of Directors has approved the payment of a cash dividend of USD 0.08 per common share of the Company, out of the profit reported in the 2024 financial statements. The dividend will be paid on February 26, 2025, to shareholders of record as of February 17, 2025.
공시 • Jan 16Inter & Co, Inc. to Report Q4, 2024 Results on Feb 06, 2025Inter & Co, Inc. announced that they will report Q4, 2024 results Pre-Market on Feb 06, 2025
Reported Earnings • Nov 15Third quarter 2024 earnings released: EPS: R$0.56 (vs R$0.23 in 3Q 2023)Third quarter 2024 results: EPS: R$0.56 (up from R$0.23 in 3Q 2023). Revenue: R$1.20b (up 41% from 3Q 2023). Net income: R$242.7m (up 166% from 3Q 2023). Profit margin: 20% (up from 11% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 2.9% growth forecast for the Banks industry in Europe.
Buy Or Sell Opportunity • Nov 14Now 22% undervalued after recent price dropOver the last 90 days, the stock has fallen 17% to €5.50. The fair value is estimated to be €7.07, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 35% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 25% per annum. Earnings are also forecast to grow by 37% per annum over the same time period.
공시 • Oct 10Inter & Co, Inc. to Report Q3, 2024 Results on Nov 14, 2024Inter & Co, Inc. announced that they will report Q3, 2024 results at 9:30 AM, US Eastern Standard Time on Nov 14, 2024
Reported Earnings • Aug 08Second quarter 2024 earnings released: EPS: R$0.48 (vs R$0.12 in 2Q 2023)Second quarter 2024 results: EPS: R$0.48 (up from R$0.12 in 2Q 2023). Revenue: R$1.06b (up 41% from 2Q 2023). Net income: R$206.5m (up 324% from 2Q 2023). Profit margin: 20% (up from 6.5% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 27% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe.
공시 • Jul 13Inter & Co, Inc. to Report Q2, 2024 Results on Aug 07, 2024Inter & Co, Inc. announced that they will report Q2, 2024 results Pre-Market on Aug 07, 2024
Buy Or Sell Opportunity • Jul 12Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 15% to €5.80. The fair value is estimated to be €4.75, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 37% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 25% per annum. Earnings are also forecast to grow by 34% per annum over the same time period.
Buy Or Sell Opportunity • May 17Now 22% overvalued after recent price riseOver the last 90 days, the stock has risen 15% to €5.70. The fair value is estimated to be €4.67, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 37% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 119% in 2 years. Earnings are forecast to grow by 189% in the next 2 years.
Reported Earnings • May 09First quarter 2024 earnings released: EPS: R$0.43 (vs R$0.028 in 1Q 2023)First quarter 2024 results: EPS: R$0.43 (up from R$0.028 in 1Q 2023). Revenue: R$989.9m (up 47% from 1Q 2023). Net income: R$182.8m (up R$171.4m from 1Q 2023). Profit margin: 19% (up from 1.7% in 1Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 28% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe.
공시 • Apr 27Inter & Co, Inc. to Report Q1, 2024 Results on May 09, 2024Inter & Co, Inc. announced that they will report Q1, 2024 results Pre-Market on May 09, 2024
New Risk • Apr 22New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 9.2% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Minor Risks Short dividend paying track record (less than a year of continuous dividend payments). Shareholders have been diluted in the past year (9.2% increase in shares outstanding).
New Risk • Apr 18New minor risk - Dividend sustainabilityThe company has a short dividend paying track record. Less than a year of continuous dividend payments. Dividend yield: 2.3% This is considered a minor risk. For dividend focussed investors, companies that have not established a long-term track record of consistently maintaining or growing dividends are less attractive than those companies that have a long track record. Those that have a long track record have proven their underlying business is stable enough to consistently maintain or grow the dividend and that the company considers maintaining the dividend to be one of its priorities. For dividend paying companies, any reduction in the dividend can significantly impact the share price. This is currently the only risk that has been identified for the company.
Valuation Update With 7 Day Price Move • Apr 17Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to €4.50, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 8x in the Banks industry in Europe. Simply Wall St's valuation model estimates the intrinsic value at €4.73 per share.
공시 • Mar 24Inter & Co, Inc., Annual General Meeting, Apr 26, 2024Inter & Co, Inc., Annual General Meeting, Apr 26, 2024, at 19:30 Coordinated Universal Time. Location: Avenida Barbacena nº 1219, in the city of Belo Horizonte, state of Minas Gerais, CEP 30190-131, Minas Gerais Brazil Agenda: To approve, ratify, and confirm the Company's financial statements and the Auditor's report for the fiscal year ended 31 December 2023; to approve, ratify, and confirm proposed annual budget of USD 15,802,867.00 (fifteen million, eight hundred and two thousand, eight hundred and sixty-seven US dollars) for the aggregate compensation payable by the Company to the directors and officers of the Company; to consider Claudia Farkouh Prado be appointed as a director of the Company with immediate effect to hold office for a two-year term in accordance with the Articles of Association of the Company; and to consider other matters.
Buy Or Sell Opportunity • Mar 05Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 23% to €5.45. The fair value is estimated to be €4.52, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 39% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 128% in 2 years. Earnings are forecast to grow by 235% in the next 2 years.
Reported Earnings • Feb 09Full year 2023 earnings released: EPS: R$0.75 (vs R$0.028 loss in FY 2022)Full year 2023 results: EPS: R$0.75 (up from R$0.028 loss in FY 2022). Revenue: R$3.21b (up 30% from FY 2022). Net income: R$302.3m (up R$313.4m from FY 2022). Profit margin: 9.4% (up from net loss in FY 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 30% p.a. on average during the next 3 years, compared to a 2.1% growth forecast for the Banks industry in Europe.
Buy Or Sell Opportunity • Feb 03Now 23% overvalued after recent price riseOver the last 90 days, the stock has risen 7.2% to €4.74. The fair value is estimated to be €3.85, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 42% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 133% in 2 years. Earnings are forecast to grow by 423% in the next 2 years.
공시 • Jan 26Inter & Co, Inc. to Report Q4, 2023 Results on Feb 07, 2024Inter & Co, Inc. announced that they will report Q4, 2023 results After-Market on Feb 07, 2024
Valuation Update With 7 Day Price Move • Jan 19Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to €4.06, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 7x in the Banks industry in Europe. Simply Wall St's valuation model estimates the intrinsic value at €3.88 per share.
공시 • Jan 18+ 1 more updateInter & Co, Inc. has filed a Follow-on Equity Offering.Inter & Co, Inc. has filed a Follow-on Equity Offering. Security Name: Class A Common Shares Security Type: Common Stock Securities Offered: 32,000,000
Valuation Update With 7 Day Price Move • Nov 15Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €5.05, the stock trades at a forward P/E ratio of 17x. Average forward P/E is 7x in the Banks industry in Europe. Simply Wall St's valuation model estimates the intrinsic value at €2.78 per share.
Reported Earnings • Nov 07Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: R$857.6m (up 46% from 3Q 2022). Net income: R$91.3m (up R$121.3m from 3Q 2022). Profit margin: 11% (up from net loss in 3Q 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 29% p.a. on average during the next 3 years, compared to a 2.4% growth forecast for the Banks industry in Europe.
공시 • Oct 08Inter & Co, Inc. to Report Q3, 2023 Results on Nov 06, 2023Inter & Co, Inc. announced that they will report Q3, 2023 results on Nov 06, 2023
New Risk • Aug 31New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 57% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (10% average weekly change). Minor Risk Large one-off items impacting financial results.
Reported Earnings • Aug 16Second quarter 2023 earnings released: EPS: R$0.12 (vs R$0.076 loss in 2Q 2022)Second quarter 2023 results: EPS: R$0.12 (up from R$0.076 loss in 2Q 2022). Revenue: R$751.5m (up 42% from 2Q 2022). Net income: R$48.7m (up R$79.1m from 2Q 2022). Profit margin: 6.5% (up from net loss in 2Q 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 33% p.a. on average during the next 3 years, compared to a 3.6% growth forecast for the Banks industry in Europe.
공시 • Jul 04Inter & Co, Inc. to Report Q2, 2023 Results on Aug 14, 2023Inter & Co, Inc. announced that they will report Q2, 2023 results on Aug 14, 2023