Inter & Co. Inc. (NASDAQ:INTR) Releases Earnings Results, Beats Expectations By $0.01 EPS

Inter & Co. Inc. (NASDAQ:INTR) announced its quarterly earnings results on Wednesday. The company reported $0.16 EPS for the quarter, topping the consensus estimate of $0.15 by $0.01, Zacks reports. Inter & Co. Inc. had a net margin of 12.46% and a return on equity of 12.57%. The firm had revenue of $404.31 million for the quarter, compared to analyst estimates of $441.78 million.

Here are the key takeaways from Inter & Co. Inc.’s conference call:

• Inter reported strong user growth and engagement, adding 7 million new clients in 2025 (25 million active), recording 21.5 million daily logins in December and a TPV run-rate of BRL 1.8 trillion, with Pix market share at 8.5%.
• The loan book expanded 36% YoY with a balanced mix (roughly two‑thirds secured), mortgages +48% and home equity +35%, while private payroll scaled to ~BRL 2 billion (~400–500k clients) and credit‑card reshaping increased portfolio monetization.
• Revenue and profitability accelerated: gross revenues BRL 15bn (+45% YoY), NII +41%, net income BRL 1.3bn, ROE reached 15% in the quarter, and record client monetization metrics (net RPAC BRL 35.1, gross margin per active client BRL 21.2).
• Asset‑quality and provisioning dynamics warrant attention — 90‑day NPLs rose to 4.7% (stage‑3 uptick partly from private‑payroll cohorts and a one‑time BRL 140m mortgage stage‑3 catch‑up), year‑end cost of risk 5.3% with guidance of ~5.5–6% for 2026.
• Fee income growth was muted (nominal +9% for the year) and fee expenses (Loop, commissions) rose amid competition for Intershop, and although efficiency improved to 45.5% the company acknowledges investor pressure for faster efficiency gains.

Inter & Co. Inc. Stock Performance

Shares of INTR stock opened at $8.98 on Thursday. The company has a current ratio of 0.87, a quick ratio of 0.87 and a debt-to-equity ratio of 0.07. The company has a market cap of $3.95 billion, a PE ratio of 18.33, a P/E/G ratio of 0.34 and a beta of 1.16. The company’s fifty day simple moving average is $8.71 and its 200-day simple moving average is $8.66. Inter & Co. Inc. has a 52 week low of $4.86 and a 52 week high of $10.36.

Institutional Trading of Inter & Co. Inc.

Several institutional investors have recently added to or reduced their stakes in INTR. State of Wyoming acquired a new stake in shares of Inter & Co. Inc. during the 4th quarter worth approximately $122,000. Russell Investments Group Ltd. acquired a new stake in Inter & Co. Inc. in the second quarter worth $188,000. Dark Forest Capital Management LP increased its position in Inter & Co. Inc. by 74.2% in the third quarter. Dark Forest Capital Management LP now owns 26,918 shares of the company’s stock worth $248,000 after buying an additional 11,465 shares during the period. Raymond James Financial Inc. bought a new stake in Inter & Co. Inc. in the third quarter valued at $277,000. Finally, Creative Planning boosted its holdings in shares of Inter & Co. Inc. by 10.9% during the second quarter. Creative Planning now owns 43,704 shares of the company’s stock valued at $325,000 after acquiring an additional 4,312 shares during the period. 22.90% of the stock is owned by institutional investors and hedge funds.

Analyst Ratings Changes

Several research firms have issued reports on INTR. Weiss Ratings reiterated a “hold (c+)” rating on shares of Inter & Co. Inc. in a report on Monday, December 29th. UBS Group upped their target price on shares of Inter & Co. Inc. from $10.50 to $11.00 and gave the stock a “buy” rating in a research report on Thursday, January 22nd. Itau BBA Securities cut shares of Inter & Co. Inc. from an “outperform” rating to a “market perform” rating and dropped their target price for the company from $11.00 to $10.00 in a report on Wednesday, November 19th. Finally, The Goldman Sachs Group lifted their price target on shares of Inter & Co. Inc. from $9.00 to $10.00 and gave the company a “buy” rating in a research report on Thursday, October 30th. Two analysts have rated the stock with a Buy rating, two have given a Hold rating and one has given a Sell rating to the company’s stock. According to data from MarketBeat, the company currently has a consensus rating of “Hold” and a consensus target price of $8.75.

About Inter & Co. Inc.

Inter & Co, Inc Is a holding company, which engages in the provision of financial products and services. It operates through the following segments: Banking, Securities, Insurance Brokerage, Marketplace, Asset Management, Service, and Other. The Banking segment offers checking accounts cards, deposits, loans and advances, and other services through mobile application. The Securities segment is involved in the acquisition, sale and custody of securities, the structuring and distribution of securities in the capital market, and the provision of administration services to investment funds.