Inter & Co. Inc. Class A Common Shares (INTR)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am a student of Graham and Buffett: I want a sound bank earning a respectable return on equity, bought at a sensible price-to-book, with conservative leverage and consistent credit. Inter & Co. is a Brazilian financial-services firm offering banking, spending, investments, insurance brokerage, and Inter Shop in Brazil and the United States. At the close on 2026-10-13, the stock is $7.45 with a $3.6B market cap. FairStock calculates P/E of 11.46, P/B of 1.57, ROE of 16.20%, and PEG of 0.34. In the second quarter of 2026, revenue was $2.6B, net income was $421.1M, and margin was 15.98%. That is a real, growing business. However, a bank must be judged on credit and balance-sheet quality. The Piotroski F-Score is only 3/9, and D/E is not available. CET1, NIM, combined ratio, loan-loss reserves, and NPLs are not in the data. Without them, I cannot verify underwriting discipline or capital adequacy. The ROE of 16.20% is attractive, and P/B of 1.57 is not demanding if that ROE is sustainable. But the Lynch category is none because only zero years of filed results are available and three are needed; earnings consistency is unproven. The provided growth statistics—31.59% revenue and 33.63% profit—suggest momentum, though the data set does not name the filing period. Banks with fast loan growth often carry hidden credit risk. At $7.45, the price looks fair-to-cheap on the numbers, not a bargain requiring no further work. I would need CET1, NIM, and asset-quality data before feeling comfortable.

In plain English: Inter & Co. runs a digital banking and financial services business in Brazil and the United States, offering accounts, cards, loans, investments, insurance, and shopping. The business is growing and earns a good return on shareholder money, but there is not enough information about loan quality and safety to call it rock-solid. At $7.45, the price looks reasonable compared with its profits and net assets, though not clearly a bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer