Inter & Co

INTR

Banks - Regional · Financial Services

Price

$5.39

+0.19 (+3.65%)

Market Cap

$2.38B

Exchange

NASDAQ

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Exceptional

Valuation

Exceptional

Dividends

Mixed

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Share count rising — dilution

+65.3% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 266.2M (2021) → 440.2M (2025)

Winston Score History

The full picture

Inter & Co is a Brazilian digital bank that offers banking, investing, insurance, and shopping services all through one app. Its main customers are everyday consumers and small businesses in Brazil who want a free or low-cost alternative to traditional brick-and-mortar banks. The company owns the "Inter" brand and operates one of Brazil's largest digital banking platforms, with tens of millions of account holders.

Inter makes money through interest on loans, credit card fees, insurance commissions, and a built-in shopping marketplace where it earns a cut of purchases. It is headquartered in Belo Horizonte, Brazil, and also has a small presence in the United States targeting Brazilian expats. Its competitive edge comes from bundling many financial services into a single app with low fees, which helps attract and retain customers. The main risk is intense competition from other Brazilian fintechs like Nubank, as well as pressure on profit margins from high interest rates and credit losses.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+33.7% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

+36.1% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

R$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

25.1%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

R$95.3B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

Inter & Co is growing revenue at 34% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+42.3%

Fast-growing sales (+42.3% YoY)

Profit growth

EPS YoY

+37.4%

Earnings growing fast (+37.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

7.9x

Attractive valuation — P/E 7.9

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+3.5

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (7.9 → 4.4)

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Dividends

Dividend

Dividend Yield

2.02%

Moderate income — 2.02% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

N/A

Data not available

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