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MARKETS / NASDAQ / INTR
NASDAQ · COMMERCIAL BANKS, NEC · LARGE CAP

Inter & Co. Inc. INTR

6 fiscal years on record · BRL · FY2024 reported · SEC filings only
BRL 6.4B
▲ 34.7% YoY
BRL 907.1M
▲ 200.0% YoY
BRL 3.7B
▼ 51.1% YoY
In brief

What this company does

Inter&Co, Inc. operates a fully licensed bank in Brazil, Banco Inter S.A., that takes free demand deposits. As of December 31, 2025, it had reached over 43 million total clients, representing around 29% of the adult population in Brazil. It organizes its offering into seven business verticals within a single financial SuperApp: Banking & Spending, Credit, Inter Shop, Investments, Insurance Brokerage, Global and Loyalty. Through its banking platform, it provides a digital checking account with bill payments, transfers, withdrawals, debit cards and instant payments (PIX), among other products, for individuals and small businesses. Its credit vertical's product lines include real estate, SMB, payroll and personal loans, and credit cards. Through Inter Shop, it generates revenue by connecting clients and sellers, providing sellers with distribution capabilities and offering clients payment solutions including Buy Now, Pay Later. Its investments vertical offers fixed-income products, a stock exchange platform to invest in Brazil and the U.S., investment funds, cryptocurrencies, savings accounts, and Tesouro Direto.

Written from the business description in Inter & Co, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 30 April 2026. Every sentence was checked against that document before publication.

Growth
BRL 6.4B
Revenue, FY2024 · full 6-year series below
Revenue BRL B Net income BRL B
FY2024 · Revenue 6.4 · Net income 0.9
2.5B5.0B201920202021202220232024
Compound annual growth
+42.3%
+55.1%
+101.0%
+72.5%
+18.3%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +55.1% a year over five years — but profit grew faster: net income at +101.0%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
15 cents
of every revenue dollar became profit
Operating margin Net margin
FY2024 · Net 15.2%
5%10%15%-1%-2%201920202021202220232024
ROE
FY2024 · ROE 11.1%
5%10%-1%-2%201920202021202220232024

Each BRL of equity produced 11 cents of profit this year.

Cash & shareholders
BRL 101.0M
returned in FY2024 · dividends + net buybacks
Free cash flow BRL B
FY2024 · FCF 3.7
4B201920202021202220232024
Net buybacks BRL B Dividends BRL B
FY2024 · Dividends 0.1 · Net buybacks 0.0
-2.5B-5.0B201920202021202220232024

BRL 82.1M in dividends and BRL 19.0M in buybacks — 11% of the year's profit went back to shareholders.

Total assetsBRL 76.5B
EquityBRL 8.9B
CashBRL 1.1B
Gross debtBRL 128.9M
Net debtBRL -979.5M
DepositsBRL 42.8B

The company holds more cash than debt.

The 6-year record
6 fiscal years
Every figure from documents filed with the SEC · BRL

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 202420232022202120202019
Revenue BRL B6.44.83.62.21.00.7
Operating income BRL B······
EBITDA BRL B······
Income tax BRL B0.20.1−0.2−0.2−0.0−0.0
Net income BRL B0.90.3−0.0−0.10.00.0
Free cash flow BRL B3.77.52.10.13.00.8
EPS, diluted BRL 2.070.75−0.03−0.010.000.01
Dividend / sh BRL ······
Payout %98−684−27211157
ROE %11.14.2−0.2−2.50.5·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 17 reconciliationsAUDITED

Reconciled in 6 of 19 fiscal years. 55 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityCommercial Banks, NEC
Listed onNASDAQ
Incorporated inoutside the United States — SEC code E9
Fiscal year endsDecember 31
Data on record since2019

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