Inter & Co
A mobile platform combining Brazilian banking, investments, insurance, shopping, and cross-border services.
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Profile
Mobile app-based banking anchors a Super App that combines accounts, cards, lending, investments, insurance brokerage, and shopping. The business serves Brazil while offering selected global products to Brazilians and US residents.
Built around a fee-free digital checking account and mobile app, the Super App bundles Banking & Spending with Investments, Insurance Brokerage, and Inter Shop. Banking & Spending covers accounts, cards, deposits, lending, collections, foreign exchange, and other financial services.
Most operations are in Brazil, with selected global offerings for Brazilians and US residents, including USD accounts, remittances, investments, mortgages, gift cards, and USD credit cards. Inter Pag adds payment products for corporate clients.
The public parent is a Cayman Islands holding company whose Nasdaq-listed Class A shares sit alongside B3-traded BDRs; Banco Inter is its indirect wholly owned subsidiary.
Company facts
Categories
Key statistics
Year to date −36.2% · Average volume (30d) 5.1M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 11, 2026 | UBS | Reiterate | Buy | $9.40 | $8.80 | |
| Jun 3, 2026 | UBS | Reiterate | Buy | $10.40 | $9.40 | |
| May 18, 2026 | Citigroup | Downgrade | Buy | Neutral | ||
| May 12, 2026 | UBS | Reiterate | Buy | $12 | $10.40 | |
| Feb 12, 2026 | UBS | Target | $11 | $12 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 5, 2026Q2 FY26 | $0.18 | $0.19 | +4.7% | $513.3M | $517.6M | +0.8% | +0.18% |
| May 7, 2026Q1 FY26 | $0.17 | $0.17 | 0.0% | $495.3M | $496.4M | +0.2% | −3.28% |
| Feb 11, 2026Q4 FY25 | $0.16 | $0.16 | −2.4% | $2.34B | $482.6M | −79.4% | +0.56% |
| Nov 13, 2025Q3 FY25 | $0.15 | $0.14 | −5.7% | $394.6M | $715.3M | +81.3% | 0.00% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $579.6M | $658.4M | $733.1M | $791.2M | $805.4M | $880.5M | |
| Gross profit | $249.1M | $275.5M | $292.3M | $327.6M | $318.8M | $358.6M | |
| Operating income | $68.7M | $73.7M | $80.3M | $89.4M | $91.7M | $100.4M | |
| Net income | $55.1M | $60.5M | $64.6M | $71.9M | $75.8M | $82.7M | |
| Diluted EPS | $0.12 | $0.14 | $0.14 | $0.17 | $0.17 | $0.19 | |
| Gross margin | 43.0% | 41.8% | 39.9% | 41.4% | 39.6% | 40.7% | |
| Operating margin | 11.9% | 11.2% | 11.0% | 11.3% | 11.4% | 11.4% |
Fiscal years (4-quarter sums)FY21 $574.7M · FY22 $780.7M · FY23 $1.47B · FY24 $1.87B · FY25 $2.76B
Balance sheet, Jun 30, 2026Cash & short-term investments $2.00B · Total debt $6.26B · Total assets $19.74B · Shareholders' equity $2.02B
Dividends
Last raised to $0.1131 from $0.08 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Feb 20, 2026 | Feb 22 | Mar 5 | $0.1131 | raised from $0.08 |
| Feb 14, 2025 | Feb 17 | Feb 26 | $0.08 | raised from $0.03 |
| Apr 15, 2024 | Apr 16 | Apr 23 | $0.03 |
Ownership
Shares outstanding 441.48M · Float 330.64M · 74.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| SoftBank Group Corp. | 60.51M | 13.71% | 13F | May 15, 2026 |
| Squadra Investments - Gestao de Recursos Ltda. | 32.81M | 10.10% | 13G | May 26, 2026 |
| Pandanus Partners, L.P. | 31.61M | 9.82% | 13D/G | Nov 12, 2024 |
| Jose Felipe Diniz · director | 16.97M | 3.84% | Form 4 | Mar 17, 2026 |
| Wasatch Advisors LP | 15.17M | 3.44% | 13F | Apr 21, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- Nu
Brazilian digital financial platform for accounts, cards, credit, and deposits
- Itaú Unibanco (ADR)
Brazilian universal bank across deposits, cards, credit, and investments
- Banco Bradesco (ADR)
Brazilian bank in deposits, credit cards, and consumer and business lending
- MercadoLibre
E-commerce and fintech platform for marketplace, accounts, credit, and payments
- Santander Brasil (ADR)
Brazilian bank across deposits, cards, credit, investments, and insurance
- XP
Brazilian investment platform for securities, funds, cards, and credit
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Inter & Co | $5.39 | 0.00% | $2.38B | 8.0 | 8.2 | 0.7 | −18.0% |
| Nu | $14.32 | +0.21% | $69.26B | 19.3 | 14.4 | 3.6 | +66.0% |
| Itaú Unibanco (ADR) | $7.50 | +0.13% | $82.66B | 9.6 | 9.9 | — | −51.6% |
| Banco Bradesco (ADR) | $3.28 | +0.92% | $34.37B | 7.5 | 7.4 | 0.5 | −47.8% |
| MercadoLibre | $1,962.01 | −0.29% | $99.68B | 53.5 | 45.6 | 2.8 | +50.2% |
| Santander Brasil (ADR) | $5.81 | −0.17% | $43.50B | 10.8 | 9.1 | 1.1 | −54.6% |
| XP | $17.66 | +0.01% | $9.24B | 9.1 | 9.9 | 2.5 | +16.7% |
| Median | 10.2 | 9.9 | 2.5 | −15.5% |