INTER & CO INC - CL A (INTR)
KYG4R20B1074 - Common Stock
Taking everything into account, INTR scores 4 out of 10 in our fundamental rating. INTR was compared to 405 industry peers in the Banks industry. INTR may be in some trouble as it scores bad on both profitability and health. INTR is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
INTR had positive earnings in the past year.
In the past year INTR had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: INTR reported negative net income in multiple years.
In the past 5 years INTR always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.95%, INTR is in the better half of the industry, outperforming 65.51% of the companies in the same industry.
Looking at the Return On Equity, with a value of 7.46%, INTR is in line with its industry, outperforming 44.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 7.46% | ||
| ROIC | N/A |
ROA(3y)0.09%
ROA(5y)0.13%
ROE(3y)0.38%
ROE(5y)0.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
INTR has a Profit Margin of 11.14%. This is amonst the worse of the industry: INTR underperforms 82.13% of its industry peers.
In the last couple of years the Profit Margin of INTR has declined.
INTR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 11.14% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y61.96%
PM growth 5Y-10.08%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
INTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
INTR has more shares outstanding than it did 1 year ago.
INTR has more shares outstanding than it did 5 years ago.
INTR has about the same debt/assets ratio as last year.
2.2 Solvency
The Debt to FCF ratio of INTR is 3.66, which is a good value as it means it would take INTR, 3.66 years of fcf income to pay off all of its debts.
INTR has a Debt to FCF ratio (3.66) which is in line with its industry peers.
A Debt/Equity ratio of 1.04 is on the high side and indicates that INTR has dependencies on debt financing.
The Debt to Equity ratio of INTR (1.04) is worse than 86.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | 3.66 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 296.93% over the past year.
Measured over the past years, INTR shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.75% on average per year.
INTR shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.28%.
The Revenue has been growing by 57.18% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)296.93%
EPS 3Y111.09%
EPS 5Y26.75%
EPS Q2Q%138.94%
Revenue 1Y (TTM)34.28%
Revenue growth 3Y58.42%
Revenue growth 5Y57.18%
Sales Q2Q%32.45%
3.2 Future
INTR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 79.03% yearly.
Based on estimates for the next years, INTR will show a very strong growth in Revenue. The Revenue will grow by 23.59% on average per year.
EPS Next Y191.55%
EPS Next 2Y110.19%
EPS Next 3Y79.03%
EPS Next 5YN/A
Revenue Next Year28%
Revenue Next 2Y26.09%
Revenue Next 3Y23.59%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 15.40, INTR is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of INTR indicates a slightly more expensive valuation: INTR is more expensive than 68.73% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.64, INTR is valued a bit cheaper.
A Price/Forward Earnings ratio of 8.36 indicates a reasonable valuation of INTR.
INTR's Price/Forward Earnings ratio is rather cheap when compared to the industry. INTR is cheaper than 84.86% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.28, INTR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.4 | ||
| Fwd PE | 8.36 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of INTR indicates a rather cheap valuation: INTR is cheaper than 90.82% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
INTR's earnings are expected to grow with 79.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)0.58
EPS Next 2Y110.19%
EPS Next 3Y79.03%
5. Dividend
5.1 Amount
With a yearly dividend of 0.54%, INTR is not a good candidate for dividend investing.
In the last 3 months the price of INTR has falen by -37.14%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.02, INTR's dividend is way lower than its industry peers. On top of this 85.36% of the companies listed in the same industry pay a better dividend than INTR!
Compared to an average S&P500 Dividend Yield of 2.19, INTR's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.54% |
5.2 History
INTR does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
13.01% of the earnings are spent on dividend by INTR. This is a low number and sustainable payout ratio.
DP13.01%
EPS Next 2Y110.19%
EPS Next 3Y79.03%
INTER & CO INC - CL A
NASDAQ:INTR (11/29/2024, 4:51:55 PM)
After market: 4.6695 +0.05 (+1.07%)4.62
-0.66 (-12.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap2.03B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.54% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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Revenue beat(2)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.4 | ||
| Fwd PE | 8.36 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.08
PEG (5Y)0.58
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 7.46% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 11.14% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)296.93%
EPS 3Y111.09%
EPS 5Y
EPS Q2Q%
EPS Next Y191.55%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)34.28%
Revenue growth 3Y58.42%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y