INTR

MKT CAP:$3B

Inter & Co, Inc.

Market Cap

$3B

Financial Services·Banks - Regional·🇧🇷 Brazil·NASDAQ

Financials·Banks - Regional·🇧🇷·NASDAQ

Stock Price

$7.92-$0.52 (-6.21%)

Apr 24, 2026

Company Details

Inter & Co, Inc., through its subsidiaries, engages in the banking, securities, insurance brokerage, marketplace, asset management, and services businesses. The company's Banking segment offers banking products and services, including check...

CEO

Joao Vitor Nazareth Menin Teixeira de Souza

IPO Date

Jun 23, 2022

Website

ri.bancointer.com.br

Key Metrics TTM

Revenue

$1.8B

+1226.7% YoY

Net Income

$158M

EPS (Diluted)

$0.35

Free Cash Flow

-$276M

Revenue / Share

$4.16

Gross Margin

43.2%

Operating Margin

10.6%

Net Margin

8.6%

FCF Margin

-15.0%

P/S

1.9x

P/E

22.1x

Earnings Reports

Q1 2026

May 11, 2026

PENDING

FY 2025

Dec 30, 2025

$2.9BEPS $0.58

Q4 2025

Feb 11, 2026

$869MEPS $0.18

Q3 2025

Nov 13, 2025

$769MEPS $0.15

Q3 2021

Sep 29, 2021

$150MEPS $0.02

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 14	$5M	$5M	$1M
Q2 14	$5M	$5M	$1M
Q3 14	$5M	$5M	$1M
Q4 14	$5M	$5M	$1M
Q2 17	$29M	$13M	$3M
Q2 18	$31M	$21M	$5M
Q3 18	$38M	$25M	$5M
Q1 19	$40M	$26M	$911.0K
Q2 19	$48M	$29M	$9M
Q3 21	$150M	$89M	$7M
Q3 25	$769M	$307M	$84M
Q4 25	$869M	$368M	$95M

Valuation

Quarter	P/S	P/E
Q1 14	—	—
Q2 14	—	—
Q3 14	—	—
Q4 14	62.2x	298.5x
Q2 17	29.5x	202.3x
Q2 18	18.7x	148.4x
Q3 18	12.9x	114.2x
Q1 19	9.6x	102.9x
Q2 19	8.5x	81.3x
Q3 21	4.8x	66.7x
Q3 25	4.0x	48.6x
Q4 25	2.0x	23.8x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 14	-$7M	-$7M
Q2 14	-$7M	-$7M
Q3 14	-$27M	-$27M
Q4 14	-$27M	-$27M
Q2 17	$14M	$13M
Q2 18	$14M	$12M
Q3 18	$30M	$28M
Q1 19	$10M	$7M
Q2 19	$50M	$46M
Q3 21	-$384M	-$386M
Q3 25	-$173M	-$175M
Q4 25	$248M	$239M

Capital Expenditures

Quarter	CapEx
Q1 14	$101.2K
Q2 14	$101.2K
Q3 14	$96.7K
Q4 14	$96.7K
Q2 17	$1M
Q2 18	$2M
Q3 18	$2M
Q1 19	$4M
Q2 19	$4M
Q3 21	$1M
Q3 25	$2M
Q4 25	$9M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 17	+437.2%	+546.1%
Q2 18	+480.5%	+566.4%
Q3 18	+610.5%	+727.5%
Q1 19	+660.1%	+903.3%
Q2 19	+64.2%	+49.6%
Q3 21	+376.9%	+434.5%
Q3 25	+1945.5%	+2012.2%
Q4 25	+2062.3%	+1870.4%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 14	$6.3K	0.1%
Q2 14	$6.3K	0.1%
Q3 14	$0	0.0%
Q4 14	$0	0.0%
Q2 17	$0	0.0%
Q2 18	$52.0K	0.2%
Q3 18	$103.6K	0.3%
Q1 19	$5.2K	0.0%
Q2 19	$5.0K	0.0%
Q3 21	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 14	$2M	$284.2K
Q2 14	$2M	$284.2K
Q3 14	$2M	$213.5K
Q4 14	$2M	$213.5K
Q2 17	$7M	$711.8K
Q2 18	$11M	$918.3K
Q3 18	$13M	$2M
Q1 19	$20M	$2M
Q2 19	$23M	$2M
Q3 21	$62M	$8M
Q3 25	$149M	$15M
Q4 25	$64M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$1.1B	$2.1B	$3.2B
Q2 22	$1.0B	$0	$1.0B
Q3 22	$1.3B	$0	$1.3B
Q4 22	$1.2B	$2.0B	$3.1B
Q1 23	$1.6B	$2.0B	$3.6B
Q2 23	$1.0B	$2.3B	$3.3B
Q3 23	$1.1B	$2.6B	$3.7B
Q4 23	$1.3B	$2.9B	$4.1B
Q1 24	$1.3B	$3.1B	$4.4B
Q2 24	$1.4B	$3.2B	$4.6B
Q3 24	$1.1B	$3.6B	$4.7B
Q4 24	$1.4B	$4.2B	$5.6B
Q1 25	$1.4B	$4.4B	$5.9B
Q2 25	$1.5B	$4.1B	$5.6B
Q3 25	$1.8B	$4.7B	$6.5B
Q4 25	$2.2B	$0	$2.2B

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 14	212M	—	—
Q2 14	212M	0.0%	—
Q3 14	214M	+0.9%	—
Q4 14	214M	0.0%	—
Q2 17	2.36B	+999.6%	+1009.3%
Q2 18	1.61B	-31.5%	+659.5%
Q3 18	1.45B	-10.2%	+576.3%
Q1 19	1.83B	+26.3%	+754.0%
Q2 19	1.84B	+0.8%	-21.7%
Q3 21	404M	-78.1%	-75.0%
Q3 25	448M	+11.1%	-69.0%
Q4 25	441M	-1.6%	-75.9%

Shares Outstanding