Inter & Co, Inc.
INTR Nasdaq Commercial Banks, Nec Financials FY2019–FY2025
Inter & Co, Inc. had $1.5B of revenue in fiscal 2025, up 26.5% on the year before. Over five years, revenue changed +50.3% a year on average.
- Today
- 3.6%
- Previous close
- $3.86
- Market cap
- $1.8B
- P/E
- 7.6x
- Day range
-
$3.87 $4.04
- 52-week range
-
$3.78 $10.21
Last close · Nov 9, 2026
$4.00
−$5.46 (−57.72%) past year
Latest quarter
Q4 '23 results
+39.1%
Revenue vs Q4 '22
Quarter ended December 31, 2023
See every quarter| Line | Q4 '22 | Q4 '23 | Change (y/y) |
|---|---|---|---|
| Revenue | $190M | $265M | 39.1% |
| Net income | $6.1M | $30.5M | 397.0% |
| Net margin | 3.2% | 11.5% | 8.3 pts |
Key numbers
Key numbers, fiscal 2025
Revenue and margins
Revenue and margins
KIRA summarises the numbers
-
Inter & Co, Inc. had $1.5B of revenue in fiscal 2025, up 26.5% on the year before.
Over five years, revenue changed +50.3% a year on average.
Revenue
Revenue
Net interest income share and efficiency ratio
Net interest income share and efficiency ratio
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Net income
Net income and earnings per share
Loss periods are shown in red.
KIRA summarises the numbers
-
Inter & Co, Inc. made $235M of net profit in fiscal 2025.
From fiscal 2019 to 2025, diluted EPS grew 172.3% a year.
Net income
Net income
Diluted EPS
Diluted EPS
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
Dividends and buybacks
Dividends, buybacks and share count
KIRA summarises the numbers
-
Inter & Co, Inc. returned $48.4M to shareholders in fiscal 2025, 4% of free cash flow.
The diluted share count rose 1.0%.
Dividends and buybacks
Dividends and buybacks
Diluted shares outstanding (annual)
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Insider trades
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
KIRA summarises the numbers
-
No open-market insider trades in the last 12 months.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Balance sheet
Balance sheet
Loans, deposits and capital at each fiscal year end.
Loans and deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $3.1B | $4.0B | $6.1B | $5.4B | $8.3B |
| Deposits | $3.3B | $4.5B | $6.7B | $6.9B | $10.0B |
| Loans / deposits | 93.9% | 90.4% | 91.2% | 77.9% | 82.5% |
| Total assets | $6.6B | $8.8B | $12.4B | $12.4B | $18.0B |
| Shareholders' equity | $477M | $1.3B | $1.5B | $1.4B | $1.9B |
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
Returns and efficiency
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
KIRA summarises the numbers
-
It earned 14.2% on shareholders’ money.
Return on equity, return on tangible equity and efficiency ratio
In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
All figures
7 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|
| Income statement | |||||||
| Revenue | $181M | $196M | $412M | $690M | $952M | $1.2B | $1.5B |
| Net interest income | $132M | $147M | $295M | $471M | $660M | $827M | $1.1B |
| Noninterest income | $18.7M | $36.0M | $82.0M | $162M | — | — | — |
| Gross profit | — | — | $393M | $665M | $924M | $1.2B | $1.5B |
| Interest expense | $65.1M | $35.7M | $101M | $382M | $578M | $615M | $1.1B |
| Pretax income | $0.2M | −$1.4M | −$42.8M | −$34.6M | $88.1M | $224M | $291M |
| Income tax | −$7.5M | −$7.3M | −$32.6M | −$31.8M | $17.5M | $43.2M | $40.6M |
| Net income | $7.0M | $3.5M | −$13.5M | −$2.1M | $60.5M | $168M | $235M |
| Net income to common | $7.0M | $3.5M | −$13.5M | −$2.1M | $60.5M | $168M | $235M |
| Diluted EPS | $0.00 | $0.00 | −$0.00 | −$0.01 | $0.15 | $0.38 | $0.53 |
| Diluted shares | 1.92B | 2.23B | 2.54B | 0.40B | 0.40B | 0.44B | 0.44B |
| Cash flow | |||||||
| Cash from operations | $201M | $578M | $17.0M | $407M | $1.5B | $698M | $1.4B |
| Capital expenditure | $2.9M | $3.3M | $6.0M | $5.4M | $3.6M | $15.2M | $19.6M |
| Free cash flow | $198M | $575M | $11.0M | $402M | $1.5B | $682M | $1.4B |
| Depreciation and amortization | $4.4M | $8.5M | $17.5M | $31.7M | $32.1M | $38.8M | $60.9M |
| Stock-based compensation | $0.0M | — | — | — | — | — | — |
| Acquisitions | — | $4.8M | $17.4M | $106M | $12.5M | $15.2M | $0.0M |
| Share buybacks | — | $29.7M | $5.4M | $0.0M | $3.3M | $3.5M | $4.8M |
| Dividends paid | $11.0M | $7.3M | $3.6M | $14.7M | $4.7M | $15.2M | $43.6M |
| Dividends and buybacks | $11.0M | $37.0M | $9.1M | $14.7M | $8.0M | $18.7M | $48.4M |
| Balance sheet | |||||||
| Cash and short-term investments | $775M | $415M | $89.8M | $252M | $878M | $179M | $694M |
| Total debt | — | $5.3M | $4.5M | $6.9M | $22.1M | $20.8M | $149M |
| Loans, net | — | $1.7B | $3.1B | $4.0B | $6.1B | $5.4B | $8.3B |
| Deposits | — | $2.4B | $3.3B | $4.5B | $6.7B | $6.9B | $10.0B |
| Property and equipment, net | $22.9M | $26.5M | $29.3M | $35.6M | $34.5M | $59.8M | $69.6M |
| Total assets | — | $3.8B | $6.6B | $8.8B | $12.4B | $12.4B | $18.0B |
| Total liabilities | — | $3.2B | $5.1B | $7.4B | $10.9B | $10.9B | $16.1B |
| Shareholders' equity | $538M | $631M | $477M | $1.3B | $1.5B | $1.4B | $1.9B |
| Margins | |||||||
| Gross margin | — | — | 95.5% | 96.4% | 97.1% | 97.8% | 97.8% |
| Net margin | 3.9% | 1.8% | −3.3% | −0.3% | 6.4% | 14.2% | 15.6% |
| FCF margin | 109.5% | 293.0% | 2.7% | 58.3% | 158.4% | 57.5% | 90.7% |
| Net interest share of revenue | 72.8% | 75.0% | 71.5% | 68.4% | 69.4% | 69.6% | 74.7% |
| Returns | |||||||
| Return on equity | 1.3% | 0.6% | −2.4% | −0.2% | 4.2% | 11.3% | 14.2% |
| Return on assets | — | 0.1% | −0.3% | −0.0% | 0.6% | 1.4% | 1.5% |
| Return on tangible equity | 1.3% | 0.6% | −2.8% | −0.2% | 3.9% | 11.7% | 12.6% |
| Growth | |||||||
| Revenue growth | — | 8.6% | 110.0% | 67.4% | 38.0% | 24.8% | 26.5% |
| Net income growth | — | −50.5% | −487.8% | — | — | 178.1% | 39.4% |
| EPS growth | — | −38.5% | −337.5% | — | — | 155.7% | 37.9% |
| FCF growth | — | 190.6% | −98.1% | 3,548.6% | 275.1% | −54.7% | 99.7% |
| Share count change | — | 16.4% | 13.7% | −84.2% | 0.2% | 8.5% | 1.0% |
| Financial health | |||||||
| Debt / equity | — | 0.0x | 0.0x | 0.0x | 0.0x | 0.0x | 0.1x |
| Loans / deposits | — | 70.7% | 93.9% | 90.4% | 91.2% | 77.9% | 82.5% |
| Capital allocation | |||||||
| Capex / revenue | 1.6% | 1.7% | 1.5% | 0.8% | 0.4% | 1.3% | 1.3% |
| Stock comp / revenue | 0.0% | — | — | — | — | — | — |
| Payouts / FCF | 5.6% | 6.4% | 82.5% | 3.7% | 0.5% | 2.7% | 3.6% |
| Quality scores | |||||||
| Piotroski F-score | — | — | 4.0 | 6.0 | 5.0 | 7.0 | 4.0 |
| Accruals ratio | — | −15.0% | −0.6% | −5.3% | −13.7% | −4.3% | −7.6% |
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
News and filings
Latest SEC filings
The original documents every number on this page comes from.
KIRA analysis
KIRA’s summary AI analyst
Hi! I read Inter & Co, Inc.’s latest annual report (fiscal 2025). Here is what stands out:
Inter & Co, Inc. in 30 seconds
Good So-so Weak
Are sales growing?
+26.5%
Yes. Sales grew 26.5% last year.
Does it make a profit?
15.6%
Yes. It keeps 15.6% of every sale as profit.
How much does it earn on its capital?
14.2%
Good. It earns 14.2% a year on shareholders’ money.
How is the share priced?
7.6x
One share costs 7.6 times its yearly profit per share.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Sales and profit
2 2 notes
- Inter & Co, Inc. had $1.5B of revenue in fiscal 2025, up 26.5% on the year before. Over five years, revenue changed +50.3% a year on average.
- Inter & Co, Inc. made $235M of net profit in fiscal 2025. From fiscal 2019 to 2025, diluted EPS grew 172.3% a year.
Cash and shareholders
2 notes
- Inter & Co, Inc. returned $48.4M to shareholders in fiscal 2025, 4% of free cash flow. The diluted share count rose 1.0%.
- No open-market insider trades in the last 12 months.
Financial health
1 1 note
- It earned 14.2% on shareholders’ money.
Source: SEC EDGAR XBRL filings (CIK 0001864163). Data updated November 9, 2026. Quarterly fourth quarters are the full year minus the first nine months. Filed in BRL under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.