INTR · NASDAQ · Banks - Regional

Inter & Co (INTR)

A mobile platform combining Brazilian banking, investments, insurance, shopping, and cross-border services.

$5.45
vs last close−0.12 (−2.16%)
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Inter & Co, Inc.INTR
Financial sector

Mobile app-based banking anchors a Super App that combines accounts, cards, lending, investments, insurance brokerage, and shopping. The business serves Brazil while offering selected global products to Brazilians and US residents.

Built around a fee-free digital checking account and mobile app, the Super App bundles Banking & Spending with Investments, Insurance Brokerage, and Inter Shop. Banking & Spending covers accounts, cards, deposits, lending, collections, foreign exchange, and other financial services.

Most operations are in Brazil, with selected global offerings for Brazilians and US residents, including USD accounts, remittances, investments, mortgages, gift cards, and USD credit cards. Inter Pag adds payment products for corporate clients.

The public parent is a Cayman Islands holding company whose Nasdaq-listed Class A shares sit alongside B3-traded BDRs; Banco Inter is its indirect wholly owned subsidiary.

Company facts

CEOJoão Vitor Nazareth Menin Teixeira de Souza
ListedJun 23, 2022
ExchangeNASDAQ
HeadquartersBelo Horizonte, Brazil
CountryBrazil
Employees4,179
CIK0001864163
ISINKYG4R20B1074

Market cap$2.46B
EPS (ttm)$0.6834
P/E (ttm)8.15
ROE15.2%
P/B1.19
P/S0.7515
Dividend yieldDiv yield2.03%
Beta1.63vs XLF 0.37

Price target$8.80+58.0%Average of 6 analysts
ConsensusBuy3 of 6 analysts
Ratings

Target rangeAs of Sep 21, 2026

Latest analyst notes

DateFirmActionPriorCurrent
Aug 11, 2026UBSReiterate
Rating: Target: $9.40
Rating: BuyTarget: $8.80
Jun 3, 2026UBSReiterate
Rating: Target: $10.40
Rating: BuyTarget: $9.40
May 18, 2026CitigroupDowngrade
Rating: Buy
Rating: Neutral
May 12, 2026UBSReiterate
Rating: Target: $12
Rating: BuyTarget: $10.40
Feb 12, 2026UBSTarget
Target: $11
Target: $12

Next report
Nov 12, 26
in 51 days
EPS estimate
$0.19
Revenue estimate
$532.5M
Fiscal quarter
Q3 FY26

EPSReportedEstimate

Feb '25May '25Aug '25Nov '25Feb '26May '26Aug '26Nov '26
Reported$0.11$0.11$0.13$0.14$0.16$0.17$0.19Pending
Estimate$0.10$0.12$0.12$0.15$0.16$0.17$0.18$0.19
Surprise+10.0%−8.3%+8.3%−5.7%−2.4%0.0%+4.7%

RevenueReportedEstimate

Feb '25May '25Aug '25Nov '25Feb '26May '26Aug '26Nov '26
Reported$449.3M$516.6M$630.9M$715.3M$482.6M$484.3M$517.6MPending
Estimate$295.3M$325.4M$347.6M$394.6M$2.34B$495.3M$513.3M$532.5M
Surprise+52.1%+58.8%+81.5%+81.3%−79.4%−2.2%+0.8%
Estimate$0.19
ReportedDue Nov 12, 2026
Estimate$532.5M
ReportedDue Nov 12, 2026
View details

Debt to equity310.20%
Current ratio33.40%

ProfitabilityRevenueNet incomeNet margin

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$491.0M$544.6M$589.8M$670.0M$746.0M$805.1M$819.6M$896.0M
Net income$47.4M$53.8M$56.0M$61.6M$65.8M$73.2M$77.2M$84.2M
Net margin9.7%9.9%9.5%9.2%8.8%9.1%9.4%9.4%

GrowthOperating income

Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Operating income$57.5M$66.5M$69.9M$75.0M$81.7M$90.9M$93.3M$102.1M
YoY growth+102.2%+63.4%+30.6%+28.9%+42.2%+36.7%+33.4%+36.2%

Balance sheet, Jun 30, 2026Cash & short-term investments $2.03B · Total debt $6.37B · Total assets $20.09B · Shareholders' equity $2.05B

Revenue
$896.0M
Operating income
$102.1M
Net income
$84.2M

Reported in BRL, converted at the latest exchange rate

View details

Dividend yield
2.03%
Next ex-date
Feb 20, 27
estimated · in 151 days
Annual dividend
$0.11
per share
Schedule
Annual
one payment a year

HistoryDividendAnnual yield

Apr '24Feb '25Feb '26
Dividend$0.03$0.08$0.1131
Annual yield0.59%1.46%1.22%
Ex-dateApr 15Feb 14Feb 20
Payment dateApr 23Feb 26Mar 5
View details

Institutions≈ 39.78%175.62M ADS
143 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail
Insiders8.86%39.10M ADS
13 holders · as of Mar 18, 2026
Other≈ 51.36%226.77M ADS
remainder

441.48M ADS (1 ADS = 1 ordinary shares) as of Sep 7, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing

The share count is from the company's Dec 2021 annual report; nothing newer is on file here.

This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.

Top shareholders13F · 13D/G · Form 4

HolderStakeSharesDate
SoftBank Group Corp.Institution
13.71%60.51M ADSas of Jun 30, 2026
Jose Felipe DinizInsiderdirector
7.69%16.97M ordinaryfiled Mar 17, 2026
Marshall Wace, LLPInstitution
3.14%13.85M ADSas of Jun 30, 2026
Squadra Investments - Gestao de Recursos Ltda.Institution
2.28%10.07M ADSas of Jun 30, 2026
BlackRock, Inc.Institution
1.75%7.73M ADSas of Jun 30, 2026

Insider tradesForm 4

Nothing filed in the last 12 months.

View details

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Compare

CompanyPriceChange
Inter & Co$5.45−2.16%$2.46B8.28.10.8−18.0%
Nu$13.92−1.00%$68.09B19.013.93.5+66.0%
Itaú Unibanco (ADR)$8.34−1.36%$93.13B10.610.91.2−51.6%
Banco Bradesco (ADR)$3.53+0.14%$37.23B8.08.00.6+21.1%
MercadoLibre$1,829.38+0.49%$92.29B49.542.42.6+50.2%
Santander Brasil (ADR)$5.81−1.19%$44.03B9.69.00.6+9.5%
XP$20.75−0.14%$10.87B10.511.32.9+16.7%
Median10.611.11.9+18.9%