Inter & Co

NSQ:INTR · KYG4R20B1074

BanksSmall

360

Value37

Profit price64

Cash yield51

Sales & asset price66

Price/Sales92

EV / Gross Profit44

Price/Book62

Quality67

Returns on capital43

Profit margins—

Cash backing40

Cash Conversion55

Accruals29

Owner Earnings Margin36

Growth91

Sales growth83

Profit growth73

Profit Growth28

Long-Term EPS Growth92

Owner Earnings Growth98

Reinvestment76

Price momentum11

Safety35

Debt load10

Debt serviceability89

Liquidity6

Sentiment76

Analyst ratings42

Expectations trend75

Opinion Changes50

Price Target Upside100

Market mood85

Value Creation13/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Inter & Co clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryBrazil

IndustryBanks

SizeSmall

TypePublic Company

ExchangeNASDAQGS

Founded2021

Websiteinter-co.com

ISINKYG4R20B1074

Last UpdateApr 2, 2026

Indices

NASDAQ (USA)

Themes

NeobankCryptocurrencyOnline PaymentsInsurtechBuy Now Pay Later (BNPL)Digital BrokerageFinancial ServicesLending and InvestmentsPayments

Description

Inter & Co, Inc. engages in the banking and spending, investments, insurance brokerage businesses. The company allows clients to capitalize on the full extent of its technology to solve many of their daily financial and non-financial needs across on…

Analysis

Quality compounder

Inter & Co, Inc. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 9.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -4% yearly growth; analysts expect 32%. The price, in other words, assumes less than the experts do.

The trajectory is solid and accelerating and the balance sheet is stretched. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →