INTR

Based on Inter & Co, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Inter & Co do?

Inter & Co operates a digital financial platform in Brazil offering banking, securities, insurance brokerage, marketplace, and asset management services. Customers access checking accounts, loans, investment products, and insurance through a single app, making it one of Brazil's more comprehensive digital financial ecosystems.

Does INTR pay dividends?

Yes, Inter & Co pays a regular dividend. This is relatively uncommon for a growth-stage digital bank still investing heavily in platform expansion. Investors should review the current yield and payout sustainability in the context of the company's Weak Risk pillar rating.

When does INTR report earnings?

Inter & Co follows a quarterly earnings reporting cadence, standard for US-listed companies. For the exact timing of upcoming results, check the investor relations section of the company's official website, as specific dates are subject to change.

Is INTR a good stock to buy?

The UQS Score rates INTR as Below Average overall. Growth is a genuine strength, and Valuation is Attractive, but Weak Moat and Risk ratings introduce meaningful uncertainty. Whether that trade-off suits your portfolio depends on your risk tolerance and time horizon. The full pillar breakdown is available to Pro members.

Is INTR overvalued?

UQS rates INTR's Valuation as Attractive, suggesting the stock is not expensive relative to its fundamentals when assessed across the scoring model. However, an Attractive valuation label does not eliminate risk — the Weak Risk and Moat pillars remain important context for any valuation assessment.

How does INTR compare to its competitors?

Compared to peers like WSFS, FBP, and INDB — which are traditional US and Caribbean community banks — Inter & Co stands apart through its fully digital, multi-product platform model and its Brazilian market focus. Its Growth profile is stronger, but its Moat and Risk ratings are weaker than more established regional banks.

What is INTR's market cap bracket?

Inter & Co is classified as a mid-cap company. This places it in a range where growth potential can be meaningful, but liquidity and analyst coverage may be thinner than for large-cap financial services peers.

Who founded Inter & Co?

Inter & Co's origins trace back to 1994 in Belo Horizonte, Brazil. The company reorganized and listed in its current form as a US-registered holding company. Full founding history is publicly available through the company's official disclosures and investor relations materials.

Is INTR a long-term quality indicator?

From a long-term quality perspective, INTR's Good Growth pillar is encouraging, but the Weak Moat rating raises questions about whether competitive advantages are durable enough to sustain returns over a full market cycle. The complete long-term quality view — including Quality and Risk pillar details — is available to Pro members.

What is the main competitive advantage of Inter & Co?

Inter & Co's primary differentiator is its integrated digital platform, which bundles banking, investing, insurance, and marketplace services for Brazilian consumers. However, UQS rates its Moat as Weak, indicating that this advantage may not yet be deeply entrenched against well-funded competitors in Brazil's fintech landscape.

What sector does INTR belong to?

Inter & Co is classified in the Financial Services sector. Within that sector, it operates more like a digital neobank and fintech platform than a traditional bank, which influences how its growth, risk, and moat characteristics compare to sector peers.

Is INTR a growth stock or value stock?

Based on UQS pillar labels, INTR leans toward the growth side — its Growth pillar is rated Good and Valuation is Attractive, a combination that can appeal to investors seeking expansion at a reasonable price. The Weak Risk and Moat ratings, however, add volatility characteristics more typical of early-stage growth names.

Inter & Co, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Inter & Co, Inc. demonstrates healthy growth trends across revenue and earnings.

Inter & Co, Inc. presents elevated risk with concerns around leverage or financial stability.

Inter & Co, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Inter & Co, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for INTR.

The UQS (Unified Quality Score) for Inter & Co, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Inter & Co, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Inter & Co, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.