Inter & Co, Inc. INTR

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3.96 USD 0.00 (+0.00%)

At closeNov 5, 2026, 8:57 AM EST

4.00 +0.04 +1.01%

Pre-market · Nov 5, 8:57 AM ET

Day range unavailable

3.82 52-week range 10.36
YTD
-53.30%
1 year
-58.79%

Financial health

Altman Z-Score

0.04 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 4
  • P/B 3

Valuation

P/E 16.0×
FY 2016: 94.4×FY 2017: 307×FY 2018: 312×FY 2019: 373×FY 2020: 772×FY 2021: -68.3×FY 2022: -454×FY 2023: 36.0×FY 2024: 12.6×FY 2025: 16.0×
FY 2016 5y median 12.6× FY 2025
P/S 1.4×
FY 2016: 4.1×FY 2017: 26.1×FY 2018: 32.3×FY 2019: 29.1×FY 2020: 12.3×FY 2021: 1.9×FY 2022: 0.9×FY 2023: 1.4×FY 2024: 1.2×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
P/B 2.0×
FY 2016: 6.9×FY 2017: 38.9×FY 2018: 23.5×FY 2019: 13.4×FY 2020: 4.2×FY 2021: 1.9×FY 2022: 0.7×FY 2023: 1.5×FY 2024: 1.3×FY 2025: 2.0×
FY 2016 5y median 1.5× FY 2025
P/FCF 6.8×
FY 2016: 5.5×FY 2017: 874×FY 2018: 38.7×FY 2019: 37.5×FY 2020: 4.9×FY 2021: -26.3×FY 2022: 2.8×FY 2023: 1.5×FY 2024: 3.5×FY 2025: 6.8×
FY 2016 5y median 2.8× FY 2025
EV/EBITDA 19.9×
FY 2016: 63.7×FY 2017: 245×FY 2018: 218×FY 2019: 284×FY 2020: 0.0×FY 2021: -28.7×FY 2022: -511×FY 2023: 23.2×FY 2024: 11.7×FY 2025: 19.9×
FY 2016 5y median 11.7× FY 2025
EV/Sales 2.7×
FY 2016: 3.3×FY 2017: 26.2×FY 2018: 30.6×FY 2019: 27.3×FY 2020: 10.1×FY 2021: 1.8×FY 2022: 1.3×FY 2023: 1.8×FY 2024: 1.7×FY 2025: 2.7×
FY 2016 5y median 1.8× FY 2025
FCF Yield 14.7%
FY 2016: 18.1%FY 2017: 0.1%FY 2018: 2.6%FY 2019: 2.7%FY 2020: 20.5%FY 2021: -3.8%FY 2022: 36.3%FY 2023: 66.8%FY 2024: 28.3%FY 2025: 14.7%
FY 2016 5y median 28.3% FY 2025

Profitability

Gross Margin 41.6%
FY 2016: 31.4%FY 2017: 47.2%FY 2018: 64.7%FY 2019: 64.1%FY 2020: 100.0%FY 2021: 58.8%FY 2022: 44.8%FY 2023: 42.0%FY 2024: 47.4%FY 2025: 41.6%
FY 2016 5y median 44.8% FY 2025
Operating Margin 11.3%
FY 2016: 4.9%FY 2017: 10.4%FY 2018: 13.6%FY 2019: 8.2%FY 2020: 7.0%FY 2021: -8.4%FY 2022: -3.2%FY 2023: 5.8%FY 2024: 12.4%FY 2025: 11.3%
FY 2016 5y median 5.8% FY 2025
Net Margin 9.1%
FY 2016: 4.3%FY 2017: 8.4%FY 2018: 10.1%FY 2019: 7.8%FY 2020: 1.6%FY 2021: -2.6%FY 2022: -0.2%FY 2023: 4.0%FY 2024: 9.3%FY 2025: 9.1%
FY 2016 5y median 4.0% FY 2025
ROE 12.9%
FY 2016: 7.2%FY 2017: 12.6%FY 2018: 7.4%FY 2019: 3.6%FY 2020: 0.5%FY 2021: -2.7%FY 2022: -0.2%FY 2023: 4.0%FY 2024: 10.2%FY 2025: 12.9%
FY 2016 5y median 4.0% FY 2025
ROIC 1.4%
FY 2016: 1.5%FY 2017: 2.7%FY 2018: 2.3%FY 2019: 1.9%FY 2020: -6.0%FY 2021: -0.4%FY 2022: -0.1%FY 2023: 1.8%FY 2024: 4.0%FY 2025: 1.4%
FY 2016 5y median 1.4% FY 2025
ROA 1.3%
FY 2016: 0.8%FY 2017: 1.3%FY 2018: 1.2%FY 2019: 0.8%FY 2020: 0.1%FY 2021: -0.2%FY 2022: -0.0%FY 2023: 0.5%FY 2024: 1.2%FY 2025: 1.3%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 48.0%
FY 2016: 22.0%FY 2017: -3.6%FY 2018: 20.4%FY 2019: 46.5%FY 2020: 11.0%FY 2021: 146.7%FY 2022: 100.2%FY 2023: 38.0%FY 2024: 27.1%FY 2025: 48.0%
FY 2016 FY 2025
Operating Income 34.7%
FY 2016: -35.8%FY 2017: 105.7%FY 2018: 57.1%FY 2019: -11.5%FY 2020: -5.6%FY 2021: -394.5%FY 2022: 22.7%FY 2023: 346.3%FY 2024: 174.1%FY 2025: 34.7%
FY 2016 FY 2025
EPS (diluted) 40.1%
FY 2016: -20.0%FY 2017: -69.0%FY 2018: 10.5%FY 2019: -9.0%FY 2020: -37.4%FY 2021: -1312.9%FY 2022: 90.3%FY 2023: 2817.4%FY 2024: 176.0%FY 2025: 40.1%
FY 2016 FY 2025
Free Cash Flow -7.7%
FY 2016: 393.5%FY 2017: -96.1%FY 2018: 3271.9%FY 2019: 36.3%FY 2020: 261.1%FY 2021: -106.9%FY 2022: 1029.2%FY 2023: 298.5%FY 2024: -55.3%FY 2025: -7.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.5×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.8×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.7×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 0.5×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.8×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.7×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 2.9×
FY 2016: 0.1×FY 2017: 1.6×FY 2018: 0.6×FY 2019: 0.9×FY 2020: 0.6×FY 2021: 1.8×FY 2022: 1.2×FY 2023: 1.2×FY 2024: 1.3×FY 2025: 2.9×
FY 2016 5y median 1.3× FY 2025
Net Debt / EBITDA 9.5×
FY 2016: -16.3×FY 2017: 1.0×FY 2018: -12.3×FY 2019: -18.9×FY 2020: 0.0×FY 2021: 1.2×FY 2022: -167×FY 2023: 5.1×FY 2024: 3.5×FY 2025: 9.5×
FY 2016 5y median 3.5× FY 2025
Interest Coverage 0.3×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.4×FY 2019: 0.3×FY 2020: 0.5×FY 2021: -0.4×FY 2022: -0.1×FY 2023: 0.2×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 1.2%
FY 2016: 0.3%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.3%FY 2021: 0.1%FY 2022: 0.8%FY 2023: 0.0%FY 2024: 0.6%FY 2025: 1.2%
FY 2016 5y median 0.6% FY 2025
Payout Ratio 18.2%
FY 2016: 29.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 211.4%FY 2021: -4.3%FY 2022: -343.2%FY 2023: 0.0%FY 2024: 7.6%FY 2025: 18.2%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31