Inter & Co, Inc.

NasdaqGS:INTR Stock Report

Market Cap: US$2.6b

Inter & Co Valuation

Is INTR undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of INTR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: INTR ($5.6) is trading below our estimate of fair value ($6.38)

Significantly Below Fair Value: INTR is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for INTR?

Key metric: As INTR is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for INTR. This is calculated by dividing INTR's market cap by their current earnings.
What is INTR's PE Ratio?
PE Ratio18.1x
EarningsR$782.84m
Market CapR$15.28b

Price to Earnings Ratio vs Peers

How does INTR's PE Ratio compare to its peers?

The above table shows the PE ratio for INTR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12x
NTB Bank of N.T. Butterfield & Son
7.9x-7.1%US$1.7b
CMA Comerica
16.7x10.9%US$9.0b
BAP Credicorp
11.2x11.8%US$15.3b
FCNC.A First Citizens BancShares
12.3x-7.9%US$30.4b
INTR Inter & Co
18.1x36.0%US$2.6b

Price-To-Earnings vs Peers: INTR is expensive based on its Price-To-Earnings Ratio (18.1x) compared to the peer average (12x).

Price to Earnings Ratio vs Industry

How does INTR's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
INTR 18.1xIndustry Avg. 12.8xNo. of Companies78PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: INTR is expensive based on its Price-To-Earnings Ratio (18.1x) compared to the US Banks industry average (12.8x).

Price to Earnings Ratio vs Fair Ratio

What is INTR's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

INTR PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio18.1x
Fair PE Ratio21.8x

Price-To-Earnings vs Fair Ratio: INTR is good value based on its Price-To-Earnings Ratio (18.1x) compared to the estimated Fair Price-To-Earnings Ratio (21.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst INTR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$5.60
US$7.80
+39.2%
21.8%US$10.00US$4.00n/a9
Nov ’25US$6.19
US$7.80
+25.9%
21.8%US$10.00US$4.00n/a9
Oct ’25US$6.54
US$7.68
+17.5%
21.9%US$10.00US$4.00n/a9
Sep ’25US$7.35
US$7.63
+3.8%
21.2%US$10.00US$4.00n/a9
Aug ’25US$6.44
US$6.90
+7.1%
17.6%US$8.00US$4.00n/a9
Jul ’25US$5.97
US$6.70
+12.2%
17.8%US$8.00US$4.00n/a8
Jun ’25US$6.08
US$6.04
-0.7%
21.7%US$8.00US$4.00n/a9
May ’25US$5.05
US$5.66
+12.0%
19.4%US$6.80US$3.60n/a9
Apr ’25US$5.76
US$5.69
-1.2%
18.4%US$6.80US$3.60n/a10
Mar ’25US$5.92
US$5.69
-3.8%
18.4%US$6.80US$3.60n/a10
Feb ’25US$5.11
US$5.59
+9.5%
19.6%US$6.40US$3.20n/a8
Jan ’25US$5.56
US$5.14
-7.5%
21.3%US$6.26US$2.80n/a8
Dec ’24US$4.98
US$5.14
+3.3%
21.3%US$6.26US$2.80n/a8
Nov ’24US$4.58
US$4.65
+1.6%
22.7%US$6.00US$2.50US$6.198
Oct ’24US$4.00
US$3.73
-6.8%
30.8%US$5.50US$2.50US$6.548
Sep ’24US$4.07
US$3.67
-9.7%
30.1%US$5.50US$2.50US$7.358
Aug ’24US$3.93
US$3.40
-13.5%
24.4%US$4.50US$2.50US$6.448
Jul ’24US$3.13
US$3.34
+6.6%
23.0%US$4.50US$2.50US$5.978
Jun ’24US$2.81
US$3.74
+33.2%
42.2%US$8.00US$2.50US$6.0810
May ’24US$1.76
US$3.71
+110.9%
42.6%US$8.00US$2.50US$5.0510
Apr ’24US$1.70
US$3.87
+127.7%
39.6%US$8.00US$2.50US$5.7610
Mar ’24US$2.00
US$4.63
+131.7%
34.5%US$8.00US$2.50US$5.9211
Feb ’24US$2.50
US$4.63
+85.4%
34.5%US$8.00US$2.50US$5.1111
Jan ’24US$2.37
US$4.77
+101.4%
35.2%US$8.00US$2.16US$5.5611
Dec ’23US$2.33
US$5.65
+142.7%
28.6%US$8.00US$2.16US$4.9811
Nov ’23US$2.97
US$5.74
+93.1%
27.9%US$8.00US$2.16US$4.5811

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

Discover undervalued companies

National Bank of Greece

€6.3b

Provides financial products and services primarily in Greece, Cyprus, North Macedonia, Romania, Bulgaria, Luxembourg, the Netherlands, and the United Kingdom.

NBGI.F

€7.60

7D

-5.0%

1Y

12.4%

Bank Negara Indonesia (Persero)

Rp180.7t

Provides various banking products and services in Indonesia, New York, Europe, and Asia.

PBNN.F

Rp0.25

7D

-53.3%

1Y

-21.9%

BNP Paribas

€66.9b

Provides various banking and financial products and services in Europe, the Middle East, Africa, the Americas, and the Asia Pacific.

BNPQ.F

€63.33

7D

2.2%

1Y

0.8%