Inter & Co Earnings Call Transcripts
Fiscal Year 2026
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Record net income and ROE were achieved, with strong revenue and NIM growth, improved efficiency, and expanding loan portfolios. Market share gains in key segments and a robust digital model support continued growth, despite higher risk in some credit products.
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The new Rule of 50 targets 50%+ annual growth and ROE, leveraging a diversified Super App, advanced AI, and a robust deposit franchise. Execution focuses on principality, credit penetration, and technology, with strong risk management and a self-funded growth model.
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Strong Q1 2026 results with net income of BRL 395M, 33% revenue growth, and record ROE. Loan portfolio expanded 33% year-over-year, while asset quality faced macro and portfolio mix pressures. AI-driven innovation and digital distribution underpin continued growth and efficiency.
Fiscal Year 2025
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Record revenue and net income growth driven by strong loan expansion, digital engagement, and operational efficiency. Asset quality remains stable, with robust capital and continued investment in technology and global expansion.
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Achieved record client and loan growth, with net revenue up 29% and net income at BRL 336 million. ROE reached 14.2%, efficiency improved, and private payroll loans delivered high profitability, though high SELIC rates remain a key headwind.
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Delivered record net income and ROE, with strong loan and client growth across all segments. Private payroll and real estate lending outperformed, while efficiency and asset quality improved. Loan growth is expected at the high end of the 25%-30% range.
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Strong loan and client growth, record net income, and improved efficiency marked the quarter. Product innovation and digital expansion, including new private payroll loans and Intercard, are driving future growth, while asset quality and funding remain robust.
Fiscal Year 2024
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Record net income and robust growth in 2024 were driven by digital banking scale, diversified products, and operational efficiency. Asset quality and funding costs remain strong, with 2025 guidance targeting 25%-30% loan growth, NIM expansion, and improved efficiency.
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Client base reached 35 million with record activation and engagement, driving strong growth across all business lines. Net income more than doubled year-over-year, with robust revenue, improved efficiency, and expanding market share in all verticals.
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Delivered record growth in clients, revenues, and profitability, with strong expansion in loans, insurance, and e-commerce. Integration of Inter Pag and new digital initiatives are driving further market share gains and operational efficiency.