Inter & Co. Inc. Class A (INTR) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Inter & Co. Inc. Class A stock $4.69, price $3.86, upside +21.5%, quality 53 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
52‑month range $1.35 – $10.08 · fair‑value band $3.86 – $6.95 · the $3.86 price screens below the $4.69 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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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.
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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. Class A (INTR) currently trades at $3.86, while our model-based Fair Value estimate is $4.69, implying the stock looks roughly 18% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $5.78 per share, and 3 of the 6 models we run sit above the $3.86 price.
Bear case: the Dividend Discount group reads lowest at $1.56, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $3.86 (bear) to $6.95 (bull), the price of $3.86 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 53/100 (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. Class A Common Shares reported revenue of R$14.4B in FY2025 versus R$2.8B in FY2021, a compound +51.0%/yr. Reported net income was R$1.3B in FY2025.
Key figures
Market cap $2.1B Mid · P/E ratio 7.2 · P/S ratio 0.66 · EPS (TTM) $0.6500 · Dividend yield 1.8% · Net margin 9.1% · Return on equity 16.2% · Return on assets (EBIT) 0.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 62% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 22%, INTR screens cheaper than that median.
Fair Value models
Bear$3.86Fair Value $4.69Bull$6.95
Price $3.86 · Upside +21.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.4982 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.
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
+48.0%
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.
+37.5%
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.
+66.6%
Start year 2020 (pandemic). Over 10 years: +40.3% a year
Revenue growth 13 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.
+44.2%
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What shareholders gained per year (last 3 years), in BRL (mathematically smoothed) ⓘ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 3 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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+101.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+99.4%
Dividend (yield on the price)1.8%
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → 11%
2025 sits 112% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: The business shows strength in expanding its SuperApp through full insurance control to enhance cross-selling across products, yet remains vulnerable due to tight linkage with Brazilian macro factors including rates and credit cycles.
Main risk: Tight linkage to Brazilian local rates, credit cycles and political shifts could sharply swing funding costs and elevate loan losses.
Inter & Co is deepening its SuperApp by taking full control of its insurance business, which already serves millions of contracts and could tighten integration across banking, investments and protection products. Yet as a Brazilian digital bank it stays tightly linked to local rates, credit cycles and political shifts that have repeatedly driven sharp swings in funding costs and loan losses. Will the ecosystem's cross-selling momentum ultimately cushion those macro pressures or leave the model more exposed when conditions tighten?
Compare Inter & Co. Inc. Class A Common Shares with another stock
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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 · 996 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside+21.5% · Top 25%
Profitability
Return on equity (12 months)16.2% · Top 25%
Return on assets1.3% · Top 25%
Net margin (12 months)22.9% · Below median
Operating margin (12 months)29.7% · Below median
Growth and dividend
Revenue growth (quarter YoY)23.8% · Top 25%
Dividend yield (12 months)1.8% · Below median
Balance sheet
Debt / equity1.47× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Inter & Co. Inc. Class A Common Shares Fair Value". https://www.fairvalue-calculator.com/stock/INTR
Frequently asked questions
Is Inter & Co. Inc. Class A (INTR) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $4.69 versus a price of $3.86, about +22% upside (undervalued).
What is the fair value of INTR?
Our model-based fair value for Inter & Co. Inc. Class A is $4.69 (as of Nov 6, 2026), built from audited fundamentals. The current price: $3.86.
What is the quality score of INTR?
Inter & Co. Inc. Class A has a Quality Score of 53/100. 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. Class A (INTR)?
Our model-based price target is the fair value of $4.69 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $3.86, optimistic scenario $6.95. It is a calculation from audited fundamentals, not an analyst target.
What is the Inter & Co. Inc. Class A Common Shares stock forecast for 2026?
Our models put fair value at $4.69, about +22% upside versus a price of $3.86 (undervalued). Cautious scenario $3.86, optimistic scenario $6.95. The calculation is refreshed regularly with new filings.
What is the revenue of Inter & Co. Inc. Class A (INTR)?
Inter & Co. Inc. Class A reported trailing-twelve-month revenue of about R$6.7B (latest available figure, as of Nov 6, 2026).
Does Inter & Co. Inc. Class A Common Shares pay a dividend?
Inter & Co. Inc. Class A currently shows a dividend yield of 1.79% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Inter & Co. Inc. Class A (INTR) and when is the ex-dividend date?
Inter & Co. Inc. Class A pays a dividend of $0.069 per share a year, a dividend yield of 1.8%. The last ex-dividend date was Feb 20, 2026. The payout ratio is 18.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Inter & Co. Inc. Class A (INTR)?
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. Class A it is $4.69 per share (as of Nov 6, 2026), against a price of $3.86. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Inter & Co. Inc. Class A Common Shares stock overvalued or undervalued in 2026?
As of Nov 6, 2026, INTR trades below its calculated fair value: price $3.86, fair value $4.69, a gap of about +22% (undervalued). 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 INTR?
No. The price is what the market pays today ($3.86); the fair value is what the company's own numbers justify ($4.69). For Inter & Co. Inc. Class A the two are $0.8300 per share apart. That gap is exactly why we show both numbers side by side.
How much is Inter & Co. Inc. Class A Common Shares worth?
The market values Inter & Co. Inc. Class A at about $2.1B (market capitalisation, as of Nov 6, 2026). Per share that is $3.86; our models calculate a fair value of $4.69 per share.
What do the bullish and bearish scenarios say about INTR?
Our models span a range for Inter & Co. Inc. Class A: cautious scenario $3.86, base $4.69, optimistic $6.95 per share (as of Nov 6, 2026, price $3.86). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INTR?
Inter & Co. Inc. Class A trades at a price-to-earnings ratio of 7.2 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $4.69 is built from several models across several years. Other multiples: P/B 1.1, P/S 1.7, EV/EBITDA 7.8.
How solid is the balance sheet of Inter & Co. Inc. Class A (INTR)?
Balance-sheet figures for Inter & Co. Inc. Class A (as of Nov 6, 2026): return on equity 16.2%, debt of 1.47 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is INTR from its 52-week high?
Inter & Co. Inc. Class A trades at $3.86, about 62% below its 52-week high of $10.08 and 2% above the low of $3.78 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $4.69 is for.
Which stocks are comparable to Inter & Co. Inc. Class A Common Shares?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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. Class A Common Shares stock attractive at the current price?
The data as of Nov 6, 2026: price $3.86, calculated fair value $4.69 (+22%), Quality Score 53/100, 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 INTR calculated?
We run Inter & Co. Inc. Class A through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $4.69 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Inter & Co. Inc. Class A currently trades 18% below its own fair value, and the market average says nothing about that. 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. Class A (INTR)?
The closing price on Nov 6, 2026 was $3.86. Our model-based fair value is $4.69, about +22% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Inter & Co. Inc. Class A Common Shares right now?
Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($3.86 to $6.95) 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.
Where does the earnings growth of Inter & Co. Inc. Class A (INTR) come from?
Earnings per share at Inter & Co. Inc. Class A grew +35.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +33.4 %, EBIT margin +2.0 %, tax rate +0.1 %, residual (interest, one-offs) −0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Inter & Co. Inc. Class A
How large is the market capitalisation of Inter & Co. Inc. Class A (INTR)?
The market capitalisation of Inter & Co. Inc. Class A is $2.1B. 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. Class A (INTR)?
The price-to-sales ratio of Inter & Co. Inc. Class A is 0.66 (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. Class A (INTR)?
Earnings per share at Inter & Co. Inc. Class A are $0.6500 (price ÷ EPS = P/E 7.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Inter & Co. Inc. Class A (INTR)?
The dividend yield of Inter & Co. Inc. Class A is 1.8% (payout 10.6%). 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. Class A (INTR)?
The net margin of Inter & Co. Inc. Class A is 9.1% (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. Class A (INTR)?
The return on equity (ROE) of Inter & Co. Inc. Class A is 16.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Inter & Co. Inc. Class A (INTR)?
On an EBIT basis the return on assets of Inter & Co. Inc. Class A is 0.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Inter & Co. Inc. Class A (INTR)?
The operating margin of Inter & Co. Inc. Class A is 29.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Inter & Co. Inc. Class A (INTR)?
Revenue at Inter & Co. Inc. Class A is growing +23.8% versus a year earlier (3y avg +37.5%). 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. Class A (INTR)?
Earnings per share at Inter & Co. Inc. Class A are growing +32.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Inter & Co. Inc. Class A (INTR) generate?
The free cash flow of Inter & Co. Inc. Class A is $3.0B (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. Class A (INTR) carry?
The net debt of Inter & Co. Inc. Class A is $18.6B (fiscal year 2025, ≈ 6.2 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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Broad data
Nov 6, 2026