Inter & Co 대차대조표 건전성
재무 건전성 기준 점검 4/6
Inter & Co 의 총 자산은 R$99.1B 이고 총 자본금은 R$10.4B 입니다. 총 예금은 R$66.0B 이고, 총 대출금은 R$50.7B 입니다.
핵심 정보
9.5x
자산/자본 비율
n/a
순이자마진
| 총예금 | R$65.97b |
| 대출/예금 비율 | 적정 |
| 부실 대출 | 10.0% |
| 대손충당금 | 낮음 |
| 유동비율 | 낮음 |
| 현금 및 현금성 자산 | R$6.95b |
최근 재무 건전성 업데이트
업데이트 없음
Recent updates
Seeking Alpha • May 07
Inter Q1: This Is The Definition Of Market Irrationality
Summary Inter remains a top pick, with strong execution, robust customer growth, and a proven ability to scale in Brazil's complex banking market. INTR's diversified revenue streams, expanding ecosystem, and secular trends like open finance and GenZ adoption underpin long-term growth potential and market share gains. Valuation is still compelling, with upside potential as the market underestimates the potential. Risks include fierce competition, macroeconomic volatility, and currency exposure, but management's track record and strategic vision support a favorable risk-reward outlook. Read the full article on Seeking Alpha
내러티브 업데이트 • 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).
내러티브 업데이트 • 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).내러티브 업데이트 • 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).
내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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).내러티브 업데이트 • 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).
내러티브 업데이트 • 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.내러티브 업데이트 • 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).내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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.내러티브 업데이트 • 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 Alpha분석 기사 • 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...
새로운 내러티브 • 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 Alpha분석 기사 • 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 Alpha재무 상태 분석
부채/자본 비율 추이 및 분석
대차대조표
금융기관 분석
자산 수준: INTR 의 자본 대비 자산 비율 (9.5x)는 낮음입니다.
불량대출충당금: INTR 에는 낮음 불량 대출에 대한 수당 (62%)이 있습니다.
저위험 부채: INTR 부채 중 74% 는 주로 낮은 위험 자금 출처로 구성됩니다.
대출 수준: INTR 은 자산 대비 대출 비율(51%)의 적절 수준을 갖습니다.
저위험 예금: INTR 의 예금 대비 대출 비율 (77%)은 적절입니다.
부실대출 수준: INTR 은 높음 수준의 불량 대출 (10%)을 가집니다.
건전한 기업 찾아보기
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/21 10:53 |
| 종가 | 2026/05/21 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 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.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
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| 분석가 컨센서스 추정치 | +3년 |
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
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| 경영진 | 10년 |
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| 주요 개발 | 10년 |
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* 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 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
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산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
Inter & 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.
| 분석가 | 기관 |
|---|---|
| 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 |