NASDAQ : INTR
Inter & Co, Inc. — Financial statements
Financials · Banks - Regional · Brazil
Last price 4.17 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.84B
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Financial statements
Income statement
Fiscal year January - December; amounts in BRL.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 9.88B | 8.64B | 5.14B | 4.55B | 2.80B | 1.44B |
| Interest Income on Investments | 4.43B | 3.61B | 2.63B | 1.63B | 1.51B | |
| Total Interest Income | 14.30B | 12.25B | 7.77B | 6.18B | 4.31B | 1.44B |
| Interest Paid on Deposits | 6.94B | 5.98B | 3.31B | 2.89B | 1.97B | 543.24M |
| Total Interest Expense | 6.94B | 5.98B | 3.31B | 2.89B | 1.97B | 543.24M |
| Net Interest Income | 7.37B | 6.27B | 4.46B | 3.30B | 2.34B | 892.19M |
| Gain (Loss) on Sale of Assets | -23.55M | -23.55M | 55.54M | 41.78M | 66.36M | 29.33M |
| Gain (Loss) on Sale of Investments | 601.83M | |||||
| Other Non-Interest Income | 2.29B | 2.15B | 1.89B | 1.41B | 1.16B | 698.48M |
| Total Non-Interest Income | 2.27B | 2.13B | 1.94B | 1.46B | 1.23B | 1.33B |
| Revenues Before Loan Losses | 9.64B | 8.40B | 6.40B | 4.75B | 3.56B | 2.22B |
| Provision for Loan Losses | 2.98B | 2.42B | 1.80B | 1.54B | 1.08B | 595.58M |
| Revenue | 6.66B | 5.98B | 4.60B | 3.21B | 2.48B | 1.63B |
| Salaries and Employee Benefits | 1.17B | 1.08B | 908.97M | 758.05M | 686.05M | 443.33M |
| Occupancy Expenses | 400.34M | 340.73M | 208.83M | 160.44M | 163.97M | 94.25M |
| Selling, General & Administrative | 2.33B | 2.15B | 1.75B | 1.46B | 1.54B | 1.16B |
| Other Non-Interest Expense | 831.14M | 728.73M | 477.04M | 326.58M | 248.59M | 146.76M |
| Total Non-Interest Expense | 4.73B | 4.30B | 3.35B | 2.73B | 2.66B | 1.86B |
| EBT Excluding Unusual Items | 1.94B | 1.68B | 1.25B | 478.45M | -178.57M | -231.03M |
| Legal Settlements | -64.77M | -56.04M | -49.12M | -38.61M | ||
| Pretax Income | 1.87B | 1.62B | 1.21B | 439.84M | -178.57M | -231.06M |
| Income Tax Expense | 249.44M | 226.87M | 232.71M | 87.58M | -164.49M | -175.99M |
| Earnings From Continuing Operations | 1.62B | 1.40B | 972.84M | 352.26M | -14.08M | -55.07M |
| Minority Interest in Earnings | -95.03M | -84.93M | -65.71M | -49.92M | 2.99M | -17.60M |
| Net Income | 1.53B | 1.31B | 907.13M | 302.34M | -11.09M | -72.66M |
| Preferred Dividends & Other Adjustments | -36.31M | |||||
| Net Income to Common | 1.53B | 1.31B | 907.13M | 302.34M | -11.09M | -36.35M |
| Basic Shares Outstanding | 441.07M | 440.23M | 435.93M | 401.77M | 401.16M | 2.54B |
| Diluted Shares Outstanding | 446.71M | 443.97M | 438.98M | 403.12M | 401.16M | 2.54B |
| EPS (Basic) | 3.46 | 2.98 | 2.08 | 0.75 | -0.03 | -0.01 |
| EPS (Diluted) | 3.42 | 2.96 | 2.07 | 0.75 | -0.03 | -0.01 |
| Dividend Per Share | 0.62 | 0.62 | 0.15 | |||
| Effective Tax Rate | 13.33% | 13.97% | 19.30% | 19.91% |
Balance sheet
Fiscal year January - December; amounts in BRL.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.93B | 3.14B | 983.20M | 1.17B | 1.33B | 500.45M |
| Investment Securities | 28.92B | 29.95B | 24.61B | 21.02B | 13.24B | 13.47B |
| Trading Asset Securities | 2.52B | 58.91M | 563.00K | 1.48B | 1.46B | 823.79M |
| Mortgage-Backed Securities | 203.35M | 360.60M | ||||
| Total Investments | 31.44B | 30.01B | 24.62B | 22.51B | 14.90B | 14.66B |
| Gross Loans | 56.47B | 52.59B | 41.22B | 31.05B | 24.58B | 17.54B |
| Allowance for Loan Losses | -3.58B | -3.00B | -2.27B | -1.89B | -1.32B | -682.41M |
| Net Loans | 52.90B | 49.58B | 38.94B | 29.17B | 23.26B | 16.86B |
| Property, Plant & Equipment | 356.20M | 381.40M | 369.94M | 167.55M | 188.02M | 163.47M |
| Goodwill | 785.39M | 785.58M | 798.27M | 635.74M | 632.80M | 90.70M |
| Other Intangible Assets | 651.76M | 758.58M | 712.40M | 467.86M | 420.27M | 224.39M |
| Investments in Real Estate | 280.41M | |||||
| Other Receivables | 1.36B | 1.74B | 1.53B | 1.13B | 610.80M | 370.81M |
| Restricted Cash | 8.49B | 7.87B | 5.29B | 2.66B | 2.85B | 2.40B |
| Other Current Assets | 1.63B | 697.75M | 584.30M | 381.32M | 345.74M | 218.29M |
| Long-Term Deferred Tax Assets | 2.04B | 1.79B | 1.68B | 1.03B | 978.15M | 695.52M |
| Other Real Estate Owned & Foreclosed | 366.40M | 234.61M | 174.35M | 166.94M | 129.79M | |
| Other Long-Term Assets | 629.68M | 733.57M | 376.65M | 618.34M | 468.97M | 203.63M |
| Total Assets | 102.91B | 98.61B | 76.43B | 60.35B | 46.34B | 36.63B |
| Accrued Expenses | 331.69M | 369.55M | 318.32M | 215.04M | 129.75M | 81.33M |
| Interest Bearing Deposits | 67.66B | 65.07B | 50.98B | 31.73B | 12.81B | 8.40B |
| Non-Interest Bearing Deposits | 1.40B | 1.38B | 1.42B | 2.57B | 11.57B | 9.93B |
| Total Deposits | 69.07B | 66.45B | 52.40B | 34.30B | 24.38B | 18.33B |
| Short-Term Borrowings | 3.18B | 3.08B | 1.80B | 1.03B | 1.94B | 66.55M |
| Current Portion of Long-Term Debt | 6.71B | 5.57B | 6.54B | 11.99B | 6.85B | 3.46B |
| Current Portion of Leases | 2.38M | 4.63M | 1.01M | 6.02M | ||
| Current Income Taxes Payable | 183.14M | 675.44M | 462.50M | 287.98M | 114.49M | 41.76M |
| Other Current Liabilities | 17.70M | |||||
| Long-Term Debt | 10.30B | 9.37B | 3.48B | 3.08B | 4.66B | 5.48B |
| Long-Term Leases | 105.34M | 113.92M | 112.68M | 114.38M | 146.71M | 137.09M |
| Long-Term Unearned Revenue | 41.78M | 45.36M | 48.94M | |||
| Long-Term Deferred Tax Liabilities | 46.26M | 40.92M | 32.79M | 32.54M | 30.07M | 89.23M |
| Other Long-Term Liabilities | 2.35B | 2.55B | 2.22B | 1.67B | 961.52M | 421.78M |
| Total Liabilities | 92.28B | 88.22B | 67.36B | 52.76B | 39.25B | 28.18B |
| Common Stock | 13.00K | 13.00K | 13.00K | 13.00K | 13.00K | 13.00K |
| Comprehensive Income & Other | 10.53B | 10.17B | 8.90B | 7.47B | 6.99B | 2.66B |
| Total Common Equity | 10.53B | 10.17B | 8.90B | 7.47B | 6.99B | 2.66B |
| Minority Interest | 108.31M | 223.37M | 177.13M | 124.88M | 96.72M | 5.79B |
| Shareholders' Equity | 10.63B | 10.39B | 9.07B | 7.60B | 7.09B | 8.45B |
| Total Liabilities & Equity | 102.91B | 98.61B | 76.43B | 60.35B | 46.34B | 36.63B |
| Total Debt | 20.30B | 18.14B | 11.93B | 16.21B | 13.60B | 9.14B |
| Net Cash (Debt) | -14.03B | -14.01B | -10.24B | -8.02B | -8.42B | -6.09B |
| Net Cash Per Share | -31.41 | -31.56 | -23.33 | -19.89 | -21.00 | -2.40 |
| Filing Date Shares Outstanding | 441.51M | 441.32M | 439.70M | 402.19M | 401.80M | 2.58B |
| Total Common Shares Outstanding | 441.51M | 441.32M | 439.70M | 402.19M | 401.80M | 2.58B |
| Book Value Per Share | 23.84 | 23.04 | 20.23 | 18.58 | 17.40 | 1.03 |
| Tangible Book Value | 9.09B | 8.63B | 7.38B | 6.37B | 5.94B | 2.34B |
| Tangible Book Value Per Share | 20.58 | 19.54 | 16.79 | 15.83 | 14.78 | 0.91 |
Cash flow statement
Fiscal year January - December; amounts in BRL.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 1.53B | 1.31B | 907.13M | 302.34M | -11.09M | -72.66M |
| Depreciation & Amortization | 226.61M | 218.64M | 123.09M | 9.67M | 7.64M | 11.03M |
| Other Amortization | 173.73M | 122.09M | 85.74M | 150.77M | 156.33M | 47.30M |
| Gain (Loss) on Sale of Assets | 24.01M | 23.55M | -55.54M | -41.78M | -66.36M | |
| Gain (Loss) on Sale of Investments | 30.96M | 18.34M | 22.02M | -9.46M | -3.69M | -19.79M |
| Total Asset Writedown | 32.50M | -52.97M | -42.21M | 5.22M | -43.62M | |
| Provision for Credit Losses | 2.94B | 2.40B | 1.78B | 1.55B | 1.09B | -575.79M |
| Change in Trading Asset Securities | -98.00M | -58.35M | 3.67M | -4.24M | 86.95M | -59.44M |
| Change in Income Taxes | 57.34M | 523.88M | 207.46M | 178.91M | 119.89M | 149.60M |
| Change in Other Net Operating Assets | -12.26B | -8.28B | -9.11B | -3.28B | -4.18B | -5.41B |
| Other Operating Activities | -767.16M | -709.43M | -368.24M | -311.22M | -430.01M | 163.59M |
| Operating Cash Flow | -8.02B | -4.35B | -6.39B | -1.46B | -3.21B | -5.81B |
| Capital Expenditures | -78.22M | -109.57M | -81.97M | -17.88M | -27.71M | -32.25M |
| Sale of Property, Plant and Equipment | 14.00K | 602.00K | ||||
| Cash Acquisitions | -81.67M | -62.36M | ||||
| Investment in Securities | -2.94B | -4.33B | -7.14B | -4.33B | 228.28M | -6.89B |
| Income (Loss) Equity Investments | 2.48M | 32.04M | 17.38M | 8.76M | ||
| Purchase / Sale of Intangibles | -481.27M | -460.49M | -427.68M | -256.21M | -251.39M | -255.73M |
| Investing Cash Flow | -3.50B | -4.90B | -7.73B | -4.67B | -50.81M | -7.18B |
| Issuance of Common Stock | 823.04M | |||||
| Repurchase of Common Stock | -33.05M | -27.11M | -18.95M | -16.41M | ||
| Common Dividends Paid | -259.58M | -203.59M | -68.81M | -75.90M | -19.68M | |
| Net Increase (Decrease) in Deposit Accounts | 10.03B | 12.08B | 10.15B | 9.01B | 5.31B | 5.90B |
| Other Financing Activities | -84.94M | -38.69M | -52.23M | -22.27M | -1.15B | 5.45B |
| Financing Cash Flow | 9.65B | 11.81B | 10.83B | 8.97B | 4.09B | 11.33B |
| Foreign Exchange Rate Adjustments | 139.46M | 136.27M | 134.45M | 88.71M | -217.00K | -30.00K |
| Net Cash Flow | -1.73B | 2.69B | -3.15B | 2.93B | 831.20M | -1.65B |
| Free Cash Flow | -8.09B | -4.46B | -6.47B | -1.48B | -3.23B | -5.84B |
| Free Cash Flow Margin | -121.49% | -74.52% | -140.73% | -46.17% | -130.41% | -358.96% |
| Free Cash Flow Per Share | -18.12 | -10.04 | -14.75 | -3.68 | -8.06 | -2.30 |
| Cash Income Tax Paid | 597.00M | 509.64M | 441.97M | 263.36M | 138.06M | 49.03M |
Ratios
Fiscal year January - December; amounts in BRL.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.77B | 3.73B | 1.85B | 2.23B | 950.75M | |
| Last Close Price | 4.01 | 8.37 | 4.11 | 5.38 | 2.29 | |
| PE Ratio | 6.07 | 15.67 | 12.63 | 35.85 | ||
| PS Ratio | 1.38 | 3.44 | 2.49 | 3.38 | 2.03 | |
| PB Ratio | 0.87 | 1.98 | 1.26 | 1.43 | 0.71 | |
| Debt / Equity Ratio | 1.91 | 1.75 | 1.31 | 2.13 | 1.92 | 1.08 |
| Net Debt / Equity Ratio | 1.32 | 1.35 | 1.13 | 1.06 | 1.19 | 0.72 |
| Net Debt / FCF Ratio | -1.73 | -3.14 | -1.58 | -5.41 | -2.60 | -1.04 |
| Return on Equity (ROE) | 16.20% | 14.36% | 11.67% | 4.80% | -0.18% | -0.93% |
| Return on Assets (ROA) | 1.73% | 1.60% | 1.42% | 0.66% | -0.03% | -0.19% |
| Earnings Yield | 16.47% | 6.38% | 7.92% | 2.79% | -0.22% | |
| FCF Yield | -84.07% | -21.69% | -56.51% | -13.68% | -64.33% | |
| Dividend Yield | 2.82% | 1.34% | 0.54% | |||
| Payout Ratio | 17.13% | 15.51% | 7.59% | |||
| Buyback Yield / Dilution | -1.07% | -1.14% | -8.89% | -0.49% | 84.21% | -13.73% |
| Total Shareholder Return | 1.75% | 0.20% | -8.89% | 0.05% | 84.21% | -13.73% |