📊 INTR Key Takeaways
Is Inter & Co, Inc. (INTR) a Good Investment?
Unable to conduct meaningful fundamental analysis due to complete absence of SEC financial data. Company classification as a commercial bank suggests financial operations, but without income statements, balance sheets, or cash flow data, assessment of profitability, asset quality, capital adequacy, and operational efficiency cannot be performed.
Inter & Co's latest SEC-reported fundamentals show strong growth quality: 2025 revenue rose 31.3% to R$8.4 billion while net income attributable to shareholders increased 44.7% to R$1.31 billion, with ROE improving to 13.8%. Balance-sheet growth was also robust, with assets up 29.0%, equity up 14.6%, and deposits/customer funding expanding strongly, indicating the company is scaling profitably. The main constraint is that credit costs and capital ratios need close monitoring as loan growth remains aggressive.
Why Buy Inter & Co, Inc. Stock? INTR Key Strengths
- Listed on Nasdaq indicating regulatory compliance and public market access
- Classified as commercial bank suggests established banking operations
- CIK registered with SEC indicating public company status
- Profitability is improving, with net income up 44.7% in 2025 and ROE rising to 13.8% from 11.1%
- Revenue growth outpaced operating cost growth, supporting better efficiency and stronger operating leverage
- Funding and balance-sheet expansion are strong, with deposits and securities issued rising materially while total equity also grew
INTR Stock Risks: Inter & Co, Inc. Investment Risks
- No financial data available for analysis - unable to assess profitability or solvency
- No balance sheet data prevents evaluation of capital ratios, loan portfolio quality, or liquidity position
- Absence of cash flow statements prevents assessment of operating efficiency and capital generation
- Zero insider transactions in last 90 days suggests lack of management conviction
- Insufficient data freshness creates uncertainty about current financial condition
- Impairment losses on financial assets rose sharply in 2025, indicating higher credit cost as the loan book expands
- Basel and Tier 1 capital ratios declined year over year, reducing some balance-sheet cushion
- Asset quality showed mild pressure in late 2025, especially from newer payroll-loan vintages that are still seasoning
Key Metrics to Watch
- Net interest margin and loan loss provisions when data becomes available
- Capital adequacy ratios and Tier 1 capital levels as primary bank metrics
- Deposit levels and asset quality metrics once SEC filings are accessible
- NPL over 90 days and cost of risk/impairment expense
- Basel ratio and Tier 1 capital ratio versus loan growth
Inter & Co, Inc. (INTR) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
INTR Profit Margin, ROE & Profitability Analysis
INTR vs Finance Sector: How Inter & Co, Inc. Compares
How Inter & Co, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Inter & Co, Inc. Stock Overvalued? INTR Valuation Analysis 2026
Based on fundamental analysis, Inter & Co, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Inter & Co, Inc. Balance Sheet: INTR Debt, Cash & Liquidity
INTR Revenue Growth, EPS Growth & YoY Performance
INTR SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Inter & Co, Inc. (CIK: 0001864163)
📋 Recent SEC Filings
❓ Frequently Asked Questions about INTR
What is the AI rating for INTR?
Inter & Co, Inc. (INTR) has a Combined AI Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 42% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are INTR's key strengths?
Claude: Listed on Nasdaq indicating regulatory compliance and public market access. Classified as commercial bank suggests established banking operations. ChatGPT: Profitability is improving, with net income up 44.7% in 2025 and ROE rising to 13.8% from 11.1%. Revenue growth outpaced operating cost growth, supporting better efficiency and stronger operating leverage.
What are the risks of investing in INTR?
Claude: No financial data available for analysis - unable to assess profitability or solvency. No balance sheet data prevents evaluation of capital ratios, loan portfolio quality, or liquidity position. ChatGPT: Impairment losses on financial assets rose sharply in 2025, indicating higher credit cost as the loan book expands. Basel and Tier 1 capital ratios declined year over year, reducing some balance-sheet cushion.
What is INTR's revenue and growth?
Inter & Co, Inc. reported revenue of N/A.
Does INTR pay dividends?
Inter & Co, Inc. does not currently pay dividends.
Where can I find INTR SEC filings?
Official SEC filings for Inter & Co, Inc. (CIK: 0001864163) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is INTR's EPS?
Inter & Co, Inc. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is INTR a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Inter & Co, Inc. has a BUY rating with 42% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is INTR stock overvalued or undervalued?
Valuation metrics for INTR: ROE of N/A (sector avg: 12%), net margin of N/A (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy INTR stock in 2026?
Our dual AI analysis gives Inter & Co, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is INTR's free cash flow?
Inter & Co, Inc.'s operating cash flow is N/A, with capital expenditures of N/A.
How does INTR compare to other Finance stocks?
Vs Finance sector averages: Net margin N/A (avg: 25%), ROE N/A (avg: 12%), current ratio N/A (avg: 1.2).