What is Inter & Co, Inc.'s (INTR) StockRank?

MoatMap's StockRank for Inter & Co, Inc. (INTR) is 42/100, with a Hold signal. This is a composite score combining Quality (49), Value (56), and Momentum (27) factor ranks across MoatMap's 20,000+ stock universe.

Does Inter & Co, Inc. have an economic moat?

Inter & Co, Inc. (INTR) has a Quality factor score of 49/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Inter & Co, Inc. a buy, hold, or sell?

MoatMap's current signal for Inter & Co, Inc. (INTR) is Hold, based on a StockRank of 42/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Inter & Co, Inc. in?

Inter & Co, Inc. (INTR) operates in the Financial Services sector, specifically the Banks - Regional industry (Brazil).

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INTR

HOLDREMOVE

Inter & Co, Inc. · Financial Services · Brazil · $2.4B · Avg Vol: $42M/d

StockRank

P/E (TTM)

8.6x

ROE

15.5%

D/E

—

Dividend %

11.5%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Inter & Co is a Brazilian digital bank. While growing rapidly, it operates in a highly volatile macroeconomic environment, lacks a proven long-term credit cycle track record, and does not align with our core themes.

COMPANY DESCRIPTION

Inter & Co, Inc. is a Brazilian digital bank and financial services platform, offering a comprehensive suite of banking, investment, credit, and insurance products. Its pioneering digital-only model and rapid customer acquisition, fueled by a commission-free investment platform, provide a strong competitive advantage against traditional banks. Inter is a disruptive force in Latin American financial services, focusing on financial inclusion and user experience.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	2.2B	3.6B	4.8B	6.4B	8.4B	39.4%
EPS	-0.01	-0.03	0.75	2.08	2.98	99.0%
Shares	2.6B	401.8M	402.2M	439.7M	441.3M	-82.9%
Debt	3.7B	6.4B	8.3B	10.1B	15.1B	41.7%
Equity	2.7B	7.0B	7.5B	8.9B	10.2B	39.9%
Op CF	91.6M	2.1B	7.5B	3.8B	7.7B	203.0%
Inv CF	-7.2B	-50.8M	-4.7B	-7.7B	-4.9B	—
Fin CF	5.4B	-1.2B	-38.7M	683.0M	-269.4M	—

PRICE (1Y)-16.8%

SMA 50SMA 200

$5.39

RSI (14)

24.0

52W High

$10.23

From 52W High

0.5%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.7%*55.0

ROE

15.5%74.8

GP/Assets

6.4%63.3

Op. Margin

29.9%47.1

FCF/Assets

—N/A

Piotroski

565.9

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

8.6x75.7

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.2x45.4

P/S

0.4x96.7

Div Yield

11.5%95.1

Momentum

52W High %

53%7.0

RS 6M

-43%8.1

SMA 50/200

0.82x6.1

EPS Rev 4W

-1.9%12.9

EPS Rev 12W

-2.5%23.0

EPS Improve

+65%77.5

Q Growth

38%69.4

FUNDAMENTALS

Market Cap

$2.4B

P/E (Forward)

5.2x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of INTR are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
INTR	Inter & Co, Inc.(you)	$2.4B	42	HOLD
AGBK	AGI Inc	$1.1B	23	SELL
BBDO	Banco Bradesco S.A.	$31.6B	47	HOLD
BSBR	Banco Santander (Brasil) S.A.	$39.8B	39	HOLD
NU	Nu Holdings Ltd.	$62.8B	23	SELL
BRBI	BRBI BR Partners S.A.	$396M	7	STRONG SELL
VINP	Vinci Compass Investments Ltd.	$639M	86	STRONG BUY

Peer medians: ROE 13.5% · P/E 12.5x · Gross margin 0.0%

Inter & Co, Inc. (INTR) — Stock Score Summary

Inter & Co, Inc. (INTR) has a MoatMap StockRank of 42/100 based on Quality (49/100), Value (56/100), and Momentum (27/100) factor scores. The current signal is HOLD. Inter & Co is a Brazilian digital bank. While growing rapidly, it operates in a highly volatile macroeconomic environment, lacks a proven long-term credit cycle track record, and does not align with our core themes.

Key Financial Metrics

Price	$5.39
Market Cap	$2.4B
P/E (TTM)	8.60
P/E (Forward)	5.20
Price/Book	1.22
Return on Equity	15.5%
Gross Margin	0.0%
Operating Margin	29.9%
Revenue Growth	25.3%
Dividend Yield	11.5%

Inter & Co, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (Brazil).

Frequently Asked Questions

What is Inter & Co, Inc.’s (INTR) StockRank?: MoatMap’s StockRank for Inter & Co, Inc. (INTR) is 42/100, with a Hold signal. It is a composite of Quality (49), Value (56), and Momentum (27) factor ranks across MoatMap’s 20,000+ stock universe.
Does Inter & Co, Inc. have an economic moat?: Inter & Co, Inc. (INTR) has a Quality factor score of 49/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Inter & Co, Inc. a buy, hold, or sell?: MoatMap’s current signal for Inter & Co, Inc. (INTR) is Hold, based on a StockRank of 42/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Inter & Co, Inc. in?: Inter & Co, Inc. (INTR) operates in the Financial Services sector, specifically the Banks - Regional industry (Brazil).