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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

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

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
2.5B5.0B
201920222024
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 the five years to FY2024 — 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

·
Operating margin Net margin
FY2020 · Net 3.0%
2%4%
201920212024
ROE
FY2024 · ROE 11.1%
5%10%-1%-2%
201920212024
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

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
3B6B
201920212024
Net buybacks BRL B Dividends BRL B
FY2024 · Dividends 0.1 · Net buybacks 0.0
-3B-6B
201920202021202220232024

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—not applicable◌not available in our data
INTR, 6-year financial record
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 %11.14.2−0.2−2.50.71.3

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 17 reconciliationsAUDITED

Reconciled in 6 of the 6 fiscal years we could check. 14 checks were skipped: cost of revenue is not tagged before 2021. 13 checks were skipped: the balance sheet is not tagged before 2020. 12 checks were skipped: EPS is not tagged before 2019.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 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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