# Inter & Co. Inc. (INTR) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services. Price $3.91, market value $1.7 billion.

## Valuation
- **P/E (trailing): 6.0×** (5-yr avg 4.0×, 3-yr avg 4.0×). Inter & Co. Inc. trades at 6.0× trailing earnings, well above its own five-year average of 4.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 4.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.10**. A PEG of 0.10 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.0×**. Each dollar of revenue is priced at 1.0×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 15.3%**. Free cash flow equals 15.3% of the market value. Above 5% is generally attractive.
- **Earnings yield: 16.6%**. The inverse of the P/E: 16.6% of the price is earned each year.

## Profitability
- **Net margin: 15.6%**. 15.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.9%**. 12.9% on shareholders' equity is solid.
- **Return on assets: 1.5%**. Each dollar of assets produces 1.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 31.3%** (3-yr 33.1%/yr, 5-yr 52.7%/yr). Revenue grew 31.3% over the last year, against 52.7% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 43.0%** (5-yr 269.5%/yr). Earnings per share rose 43.0%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 51.1%/yr**. Free cash flow has compounded at 51.1% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $2.1 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.89%** ($0.11 per share, trailing). Inter & Co. Inc. yields 2.89%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 16%**. 16% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.

## Analyst view
- **Analyst consensus: buy** (11 analysts). 11 analysts cover Inter & Co. Inc.; the consensus is buy, with an average price target of $9.16 (+134% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -55.4%** (YTD -51.9%, 3-mo -28.4%). The shares are down 55.4% over twelve months including dividends.
- **From 52-week high: -62.3%** (1.8% above the low). Trading 62% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 30**. An RSI of 30 is neutral.
- **Beta (1 yr): 1.60** (volatility 65%). Beta of 1.60 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=INTR · Page: https://foliofundamentals.com/stocks/intr

Not investment advice.