Inter & Co. Inc. (INTR)

Nasdaq: INTR · Commercial Banks, NEC · Belo Horizonte, BR · filing with the SEC since 2021

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Grade5.8

◀ Past 6.0● Present 5.1▶ Future 6.6

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Inter & Co. Inc.

Nine metrics read from its own filings, by tense

Headline grade

5.8/10

◀ Past6.040% of the headline

● Present5.135% of the headline

▶ Future6.625% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.0/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

5.9/10

Has it survived what it has been through?

No warning events in its filings since 2021.

weight 45% of this tense · 59th percentile among 33 sector filers · read for itself

From the record

Inter & Co. Inc.'s filings since 2021 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

6.7/10

What has it actually done, year after year?

+55.1% a year over 6 filed years; profitable in 4 of 6.

weight 22% of this tense · 67th percentile among 22 sector filers · read for its customers

From the record

Inter & Co. Inc.'s 6 filed years say what it did: revenue went from BRL 712 million in fiscal 2019 to BRL 6.4 billion in fiscal 2024, up 55.1% a year; it rose in 5 of 5 years; it never fell from a peak; net income was positive in 4 of 6 of those years (its annual reports).

What it rests on

revenue growth over the filed span55.1%top 11% of its family
the share of years revenue rosetop 14% of its family
the share of filed years with a profitbottom 8% of its family
the deepest fall from a revenue peak0.0%top 14% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

5.6/10

How has it treated the people who own it?

Share count shrank 25.6% a year. 2% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 56th percentile among 29 sector filers · read for its shareholders

From the record

Over the 5 fiscal years to 2024-12-31, Inter & Co. Inc.'s diluted share count shrank about 25.6% a year, and dividends and buybacks returned about 2% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 2% of its family
cash returned against operating cash flowbottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.1/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

4.8/10

Is it financially healthy right now?

ROE 11%: 11¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.

weight 45% of this tense · 48th percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2024-12-31, Inter & Co. Inc. earned about 11 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 8 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 8.5% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 27% of its family
return on equitybottom 44% of its family
gross profit against assetstop 30% of its family
the share count against the year beforebottom 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

5.7/10

How strong is its position in its industry?

top 43% of 21 in its family; net margin 15.2%.

weight 33% of this tense · 57th percentile among 21 sector filers · read for its customers

From the record

Inter & Co. Inc.'s standing among 21 graded names in its industry family: revenue of BRL 6.4 billion in fiscal 2024 is not ranked by size, since the family reports in another currency; a net margin of 15.2% ranks in the bottom 20%; revenue growth of 42.3% a year over the last 3 filed years ranks in the top 7% (its annual reports).

What it rests on

net margin15.2%bottom 20% of its family
three-year revenue growth42.3%top 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-16 (a listing, a merger or a first filing under the rules) and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-16 (a listing, a merger or a first filing under the rules) and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: universe median, 3816 readings behind it.
Confidence: 15 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Inter & Co. Inc.'s leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-16 (a listing, a merger or a first filing under the rules) and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

6.6/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed

6.0/10

How much room does it have to grow?

top 40% of 19 in its family for room to expand.

weight 33% of this tense · 60th percentile among 19 sector filers · read for itself

From the record

Inter & Co. Inc.'s room to grow, from the newest filed statements (fiscal 2024): cash of BRL 1.1 billion against debt of BRL 129 million leaves 1.3% of its assets as net cash, bottom 24% of its family; cash from operations less capital spending is 57.5% of revenue (top 18%); a gross margin of 97.8% (top 25%) (its annual report).

What it rests on

cash less debt against assets1.3%bottom 24% of its family
cash from operations less capital spending against revenue57.5%top 18% of its family
gross margin97.8%top 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

5.9/10

What could actually drive growth from here?

top 41% of 22 in its family for growth drivers.

weight 33% of this tense · 59th percentile among 22 sector filers · read for its customers

From the record

Inter & Co. Inc.'s growth drivers, from the filed years to fiscal 2024: revenue grew 42.3% a year over the last three filed years against 55.1% over all 6, slowing (bottom 12% of its family); the newest year grew 34.6% (top 2%); capital spending grew 36.5% a year (top 32%) (its annual reports). Inter & Co. Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-12.8 points a yearbottom 12% of its family
the newest year's revenue growth34.6%top 2% of its family
three-year growth of capital spending36.5%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

7.8/10

Did its newest year beat what its own record pointed to?

top 22% of 20 in its family for expectations against reality.

weight 33% of this tense · 78th percentile among 20 sector filers · read for its shareholders

From the record

Inter & Co. Inc.'s newest year against its own record: revenue of BRL 6.4 billion in fiscal 2024 came in 7.9% below the BRL 7.0 billion its prior three years' pace pointed to (bottom 39% of its family); net income of BRL 973 million against a prior three-year average of BRL 94 million (top 2%); a net margin of 15.2% against 1.5% before (top 2%) (its annual reports).

What it rests on

revenue against the prior three years' pace-7.9%bottom 39% of its family
net income against the prior three years' averagefive times its prior average or moretop 2% of its family
net margin against its prior average+13.7 pointstop 2% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton INTR · research, not advice