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INTR · Nasdaq · United States · Commercial Banks, Nec
In shortInter & Co, Inc. is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 14.2% | 77/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 11.1% | 55/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 57.5% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 4.05× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 3 of 5 | 60/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 36.1% | 0/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 42.3% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2024 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
1 older year available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
BRL millions; negative values in parentheses.
| Fiscal year | FY20 | FY21 | FY22 | FY23 | FY24 |
|---|---|---|---|---|---|
| Revenue | 1,012 | 2,222 | 3,563 | 4,753 | 6,400 |
| Cost of revenue | – | 100 | 129 | 136 | 143 |
| Gross profit | – | 2,122 | 3,433 | 4,617 | 6,257 |
| Interest expense | 184 | 543 | 1,973 | 2,888 | 3,312 |
| Pre-tax income | (7) | (231) | (179) | 440 | 1,206 |
| Income tax | (38) | (176) | (164) | 88 | 233 |
| Net income | 18 | (73) | (11) | 302 | 907 |
| Diluted EPS | BRL0.00 | −BRL0.01 | −BRL0.03 | BRL0.75 | BRL2.07 |
| Diluted shares (millions) | 2,234 | 2,541 | 401 | 402 | 436 |
1 older year available with the 10-year history. Essential plan, from €8.25/month →
The last 2 reported quarters (10-Q and 10-K filings), in BRL millions. The fourth quarter is derived from the annual report.
The last 2 quarters of Inter & Co, Inc. are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Apr 30, 2025