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Inter & Co Inc (INBR32) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Inter & Co Inc BRL 22.33, price BRL 27.00, upside -17.3%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · BR

IC Some data Sep 24, 2026

Inter & Co Inc

INBR32 · SA

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value R$22.33 · Overvalued (−17%)
!Quality 58/100
✓Healthy Growth (revenue 5y +49.6 %/yr)
✓Highly profitable · 22.5% net margin (TTM)
✓Moderate debt · generates free cash flow
·2.31% dividend yield
!Mixed vs. peers (7/13)
✓Wide moat 68/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 10 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

R$52.34 R$7.17 Fair Value R$22.33 Jun 2022 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

51‑month range R$7.17 – R$52.34 · fair‑value band R$19.79 – R$36.56 · the R$27.00 price screens above the R$22.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States.

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Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collections; foreign exchange and financial services; and global account digital solution. It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets. In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products. Further, it engages in the sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.

Stock analysis

Inter & Co Inc (INBR32) currently trades at R$27.00, while our model-based Fair Value estimate is R$22.33, implying the stock looks roughly 20.9% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of R$32.26 per share, and 3 of the 6 models we run sit above the R$27.00 price.

Bear case: the Dividend Discount group reads lowest at R$8.89, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: R$19.79 (bear) to R$36.56 (bull), the price of R$27.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Inter & Co Inc reported revenue of R$8.4B in FY2025 versus R$2.2B in FY2021, a compound +39.4%/yr. Reported net income was R$1.3B in FY2025.

Key figures

Market cap R$11.9B (≈ $2.3B) · P/E ratio 9.2 · P/S ratio 1.44 · EPS (TTM) R$3.20 · Dividend yield 2.3% · Net margin 15.6% · Return on equity 15.5% · Return on assets 1.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 48% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −17%, INBR32 screens cheaper than that median.

Fair Value models

Bear R$19.79 Fair Value R$22.33 Bull R$36.56
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$1.89 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income R$21.83 R$27.24 R$70.57 65
Gordon GGM R$5.07 R$10.54 R$16.72 62
DDM Multi-Stage R$5.07 R$8.89 R$11.06 62
All 6 models by family
Dividend Discount
Gordon GGM R$5.07 R$10.54 R$16.72 62
DDM Multi-Stage R$5.07 R$8.89 R$11.06 62
Multiples
P/E Multiple R$28.99 R$38.66 R$48.32 61
P/B Multiple R$24.20 R$32.26 R$40.33 53
Asset-Based
NCAV (Graham) R$11.52 R$15.44 R$23.04 52
Economic Profit
Residual Income R$21.83 R$27.24 R$70.57 65

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Quality Score breakdown

Overall quality 58/100

Of which business quality 57 · Market factors (momentum, volatility) 23

Profitability 36
Margins and returns on capital today
Quality Growth 67
Are margins and returns improving?
Cashflow 99
Earnings quality: real cash, not paper profit
Fin. Strength 38
Balance sheet, leverage, solvency risk
Investment 36
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 17
Price trend over the last 3–12 months (market factor)
52W Momentum 2
Distance to the 52-week high (market factor)
Net Issuance 63
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+31.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+33.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+49.6%
Start year 2020 (pandemic)
What shareholders gained per year (last 5 years), in BRL ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in BRL: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
≈ +99.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+97.2%
Dividend (yield on the price)2.3%
⚠ Approximate: the rate leans on 2025, which sits 111% above its own trend.

INBR32 screens 21% overvalued. Compare with DBS Group →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks

Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside −17% · Below median
Profitability
Return on equity (TTM) 16% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 22% · Below median
Operating margin (TTM) 30% · Below median
Growth and dividend
Revenue growth 25% · Top 25%
Dividend yield (TTM) 2.3% · Below median
Balance sheet
Debt / equity 0.92× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 9.2× · Cheapest 25%
P/B 1.17× · Pricier than median
P/S (TTM) 1.89× · Cheapest 25%
P/FCF 0.3× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)10 · sector 12
FUTURE (revenue growth)100 · sector 45
PAST (return on equity)62 · sector 41
HEALTH (low debt)54 · sector 85
DIVIDEND (yield)46 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Inter & Co Inc · Fair Value
R$22.33 −21%Fair Value
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Cite: Fair Value Calculator (2026). "Inter & Co Inc Fair Value". https://www.fairvalue-calculator.com/stock/INBR32

Frequently asked questions

Is Inter & Co Inc (INBR32) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of R$22.33 versus a price of R$27.00, about −17% upside (overvalued).
What is the fair value of INBR32?
Our model-based fair value for Inter & Co Inc is R$22.33 (as of Sep 24, 2026), built from audited fundamentals. The current price: R$27.00.
What is the quality score of INBR32?
Inter & Co Inc has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Inter & Co Inc (INBR32)?
Our model-based price target is the fair value of R$22.33 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario R$19.79, optimistic scenario R$36.56. It is a calculation from audited fundamentals, not an analyst target.
What is the Inter & Co Inc stock forecast for 2026?
Our models put fair value at R$22.33, about −17% upside versus a price of R$27.00 (overvalued). Cautious scenario R$19.79, optimistic scenario R$36.56. The calculation is refreshed regularly with new filings.
What is the revenue of Inter & Co Inc (INBR32)?
Inter & Co Inc reported trailing-twelve-month revenue of about R$6.3B (latest available figure, as of Sep 24, 2026).
Does Inter & Co Inc pay a dividend?
Inter & Co Inc currently shows a dividend yield of about 2.31% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Inter & Co Inc (INBR32)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Inter & Co Inc it is R$22.33 per share (as of Sep 24, 2026), against a price of R$27.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Inter & Co Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, INBR32 trades above its calculated fair value: price R$27.00, fair value R$22.33, a gap of about −17% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of INBR32?
No. The price is what the market pays today (R$27.00); the fair value is what the company's own numbers justify (R$22.33). For Inter & Co Inc the two are R$4.67 per share apart. That gap is exactly why we show both numbers side by side.
How much is Inter & Co Inc worth?
The market values Inter & Co Inc at about R$11.9B (market capitalisation, as of Sep 24, 2026). Per share that is R$27.00; our models calculate a fair value of R$22.33 per share.
What do the bullish and bearish scenarios say about INBR32?
Our models span a range for Inter & Co Inc: cautious scenario R$19.79, base R$22.33, optimistic R$36.56 per share (as of Sep 24, 2026, price R$27.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INBR32?
Inter & Co Inc trades at a price-to-earnings ratio of 9.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$22.33 is built from several models across several years. Other multiples: P/B 1.2, P/S 1.9.
How solid is the balance sheet of Inter & Co Inc (INBR32)?
Balance-sheet figures for Inter & Co Inc (as of Sep 24, 2026): return on equity 15.5%, debt of 0.92 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is INBR32 from its 52-week high?
Inter & Co Inc trades at R$27.00, about 48% below its 52-week high of R$52.34 and 4% above the low of R$26.00 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of R$22.33 is for.
Which stocks are comparable to Inter & Co Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Inter & Co Inc stock attractive at the current price?
The data as of Sep 24, 2026: price R$27.00, calculated fair value R$22.33 (−17%), Quality Score 58/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of INBR32 calculated?
We run Inter & Co Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$22.33, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Inter & Co Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Inter & Co Inc (INBR32)?
The closing price on Sep 23, 2026 was R$27.00. Our model-based fair value is R$22.33, about −17% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Inter & Co Inc right now?
Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (R$19.79 to R$36.56) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Inter & Co Inc

How large is the market capitalisation of Inter & Co Inc (INBR32)?
The market capitalisation of Inter & Co Inc is R$11.9B (≈ $2.3B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Inter & Co Inc (INBR32)?
The price-to-sales ratio of Inter & Co Inc is 1.44 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Inter & Co Inc (INBR32)?
Earnings per share at Inter & Co Inc are R$3.20 (price ÷ EPS = P/E 9.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Inter & Co Inc (INBR32)?
The dividend yield of Inter & Co Inc is 2.3% (payout 19.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Inter & Co Inc (INBR32)?
The net margin of Inter & Co Inc is 15.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Inter & Co Inc (INBR32)?
The return on equity (ROE) of Inter & Co Inc is 15.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Inter & Co Inc (INBR32)?
The return on assets (ROA) of Inter & Co Inc is 1.7% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Inter & Co Inc (INBR32)?
The operating margin of Inter & Co Inc is 29.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Inter & Co Inc (INBR32)?
Revenue at Inter & Co Inc is growing +25.3% versus a year earlier (3y avg +33.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Inter & Co Inc (INBR32)?
Earnings per share at Inter & Co Inc are growing +36.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Inter & Co Inc (INBR32) generate?
The free cash flow of Inter & Co Inc is R$7.2B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Inter & Co Inc (INBR32) carry?
The net debt of Inter & Co Inc is R$3.7B (fiscal year 2025, ≈ 0.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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