Inter & Co, Inc. (INTR)

NASDAQ: INTR · Real-Time Price · USD

5.27

-0.45 (-7.87%)

At close: Aug 7, 2026, 4:00 PM EDT

5.28

+0.01 (0.19%)

After-hours: Aug 7, 2026, 7:58 PM EDT

Inter & Co Financials Overview

Financials in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Revenue	9,637	8,401	6,400	4,753
Revenue Growth	30.92%	31.26%	34.67%	-
Gross Profit	5,140	5,985	4,601	3,211
Operating Income	350.49	1,624	1,211	503.92
Net Income	1,527	1,312	907.13	302.34
Earnings Per Share	3.43	2.96	2.07	0.75
EPS Growth	35.48%	42.99%	176.00%	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Banking & Spending	8,472	7,335	5,647	4,339	3,228	2,062
Investments	255.34	258.49	255.68	157.32	125.17	95.85
Insurance Brokerage	251.95	234.67	188.38	173.16	130.55	57.15
Inter Shop	424.33	407.45	322.1	254.58	367.36	183.76
Other Segment	723.07	634.79	354.98	8.5	108.6	68.5
Eliminations	-490.07	-469.1	-367.68	-180.01	-396.54	-245.81
Revenue (Total)	9,637	8,401	6,400	4,753	-	-

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Cash & Investments	32,697	32,812	25,008
Total Debt	17,012	14,945	10,019
Net Cash (Debt)	15,685	17,867	14,989
Net Cash Growth	-6.32%	19.20%	-
Net Cash Per Share	35.29	40.24	34.14

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Operating Cash Flow	2,014	7,730	3,759	7,544
Capital Expenditures	-78.22	-109.57	-81.97	-17.88
Free Cash Flow	1,936	7,620	3,677	7,526
Free Cash Flow Growth	-74.28%	107.23%	-51.14%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Gross Margin	53.34%	71.24%	71.88%	67.56%
Operating Margin	3.64%	19.33%	18.91%	10.60%
Pretax Margin	19.41%	19.33%	18.84%	9.25%
Profit Margin	16.82%	16.63%	15.20%	7.41%
FCF Margin	20.09%	90.70%	57.45%	158.36%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023
Period Ending	Aug '26 Aug 9, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Dividend Per Share	0.113	0.623	-	0.146
Dividend Per Share Growth	41.38%	-	-	-
Dividend Yield	2.15%	1.18%	0.72%	0.22%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 9, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	7.98	15.80	12.60	35.97	-	-
Forward PE	6.43	11.05	8.40	18.05	22.40	-
P/FCF Ratio	-	2.71	3.12	1.44	-	-
PS Ratio	1.81	2.46	1.79	2.28	-	-