Présentation de l'entreprise
Inter & Co, Inc., operating primarily within the Financial Services sector as a regional banking entity, provides a comprehensive suite of banking products and services including checking accounts, cards, deposits, loans, and advances through its subsidiaries in Brazil and the United States. The company actively engages in spending, investments, insurance brokerage, and inter shop businesses, diversifying its operational footprint beyond traditional lending activities. This financial institution maintains a market capitalization of $3.60 billion and generates annual revenue of $5.98 billion, while its specific employee count is not publicly disclosed in the available data. These valuation and revenue figures indicate that the company holds a substantial position within the regional banking landscape, suggesting a significant asset base and customer reach despite the lack of specific headcount metrics to gauge operational density.
Santé financière
The company reported a total revenue of $5.98 billion over the trailing twelve months, with a corresponding net income of $1.31 billion, whereas specific EBITDA figures are not currently disclosed in the provided financial records. The substantial gap between the $5.98 billion revenue and the $1.31 billion net income reveals a cost structure that absorbs approximately 78.1% of top-line revenue, reflecting the high fixed cost environment typical of the banking industry. Free cash flow data is not available for this reporting period, which limits the immediate assessment of the company's financial flexibility regarding capital allocation or debt servicing without alternative liquidity metrics. The gross margin is recorded at 0.0%, a standard characteristic for financial institutions where the primary revenue stream consists of net interest income rather than the sale of goods. Operating margins stand at 28.1%, demonstrating efficient internal management of administrative expenses relative to revenue, while profit margins reach 21.9%, indicating the final efficiency of converting revenue into net earnings. On the balance sheet, the company holds $4.13 billion in cash against $18.14 billion in total debt, and while a specific debt-to-equity ratio is not listed, the leverage position is substantial relative to cash reserves. A current ratio is not provided in the available facts, preventing a direct quantitative assessment of short-term liquidity coverage against current liabilities. Return on equity stands at 14.4%, reflecting strong generation of profits relative to shareholders' equity, while return on assets is 1.6%, which is typical for banks given the high asset leverage required to operate in the lending business.
Évaluation de la valorisation
The trailing twelve-month P/E ratio is 14.05, while the forward P/E is projected at 7.62, implying that the market anticipates a significant acceleration in earnings growth that will bring the price-to-earnings multiple down from historical levels. The price-to-book ratio is 1.84, indicating that the market values the company at a premium of 84% over its tangible book value, reflecting confidence in the quality of its loan book and intangible assets. Alternative valuation metrics include a price-to-sales ratio of 0.60 and an EV/EBITDA ratio that is not available in the current dataset, suggesting that analysts may rely heavily on earnings-based multiples for this stock. Over the past year, the stock price has fluctuated between a 52-week low of $4.86 and a 52-week high of $10.36, establishing a trading range of approximately $5.50 billion in implied equity value movement. The beta value is 1.24, which signifies that the stock's price volatility is 24% higher than the broader market, exposing investors to greater fluctuations during periods of market stress or rally.
Growth & Income
Revenue growth for the trailing twelve months stands at 26.4%, while earnings growth is reported at 35.5%, indicating that profitability is expanding at a faster pace than top-line sales due to improved operational leverage or margin expansion. The company offers a dividend yield of 1.4% with a payout ratio of 15.8%, suggesting a conservative distribution policy that leaves the majority of earnings available for retention, debt reduction, or capital investment. The low payout ratio ensures sustainability given the robust earnings growth rate, allowing the company to maintain solvency while returning modest cash to shareholders. Overall, the financial profile presents a combination of aggressive earnings expansion supported by a disciplined capital management approach that balances dividend returns with significant internal reinvestment capabilities.