INTER & CO INC - CL A (INTR)
KYG4R20B1074 - Common Stock
Overall INTR gets a fundamental rating of 4 out of 10. We evaluated INTR against 403 industry peers in the Banks industry. Both the profitability and financial health of INTR have multiple concerns. INTR is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
In the past year INTR was profitable.
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.
Each year in the past 5 years INTR had a positive operating cash flow.
1.2 Ratios
INTR has a Return On Assets of 1.12%. This is in the better half of the industry: INTR outperforms 76.32% of its industry peers.
INTR has a Return On Equity of 8.99%. This is comparable to the rest of the industry: INTR outperforms 59.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.12% | ||
| ROE | 8.99% | ||
| 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
Looking at the Profit Margin, with a value of 12.87%, INTR is doing worse than 79.09% of the companies in the same industry.
INTR's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for INTR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.87% | ||
| 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.
Compared to 5 years ago, INTR has more shares outstanding
Compared to 1 year ago, INTR has about the same debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of INTR is 3.55, which is a good value as it means it would take INTR, 3.55 years of fcf income to pay off all of its debts.
INTR has a Debt to FCF ratio (3.55) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.07 is on the high side and indicates that INTR has dependencies on debt financing.
With a Debt to Equity ratio value of 1.07, INTR is not doing good in the industry: 87.15% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.07 | ||
| Debt/FCF | 3.55 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.53%
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.
INTR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.75% yearly.
Looking at the last year, INTR shows a very strong growth in Revenue. The Revenue has grown by 31.27%.
INTR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 57.18% yearly.
EPS 1Y (TTM)296.93%
EPS 3Y111.09%
EPS 5Y26.75%
EPS Q2Q%138.94%
Revenue 1Y (TTM)31.27%
Revenue growth 3Y58.42%
Revenue growth 5Y57.18%
Sales Q2Q%32.45%
3.2 Future
Based on estimates for the next years, INTR will show a very strong growth in Earnings Per Share. The EPS will grow by 78.89% on average per year.
Based on estimates for the next years, INTR will show a very strong growth in Revenue. The Revenue will grow by 24.09% on average per year.
EPS Next Y185.02%
EPS Next 2Y108.57%
EPS Next 3Y78.89%
EPS Next 5YN/A
Revenue Next Year29.99%
Revenue Next 2Y26.78%
Revenue Next 3Y24.09%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
INTR is valuated correctly with a Price/Earnings ratio of 14.18.
INTR's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.34. INTR is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 8.01, the valuation of INTR can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of INTR indicates a rather cheap valuation: INTR is cheaper than 88.67% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.61, INTR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.18 | ||
| Fwd PE | 8.01 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, INTR is valued cheaper than 91.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.37 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
INTR's 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 78.89% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)0.53
EPS Next 2Y108.57%
EPS Next 3Y78.89%
5. Dividend
5.1 Amount
With a yearly dividend of 0.73%, INTR is not a good candidate for dividend investing.
The stock price of INTR dropped by -32.32% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
Compared to an average industry Dividend Yield of 3.25, INTR's dividend is way lower than its industry peers. On top of this 83.63% of the companies listed in the same industry pay a better dividend than INTR!
Compared to an average S&P500 Dividend Yield of 2.33, INTR's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.73% |
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
10.53% of the earnings are spent on dividend by INTR. This is a low number and sustainable payout ratio.
DP10.53%
EPS Next 2Y108.57%
EPS Next 3Y78.89%
INTER & CO INC - CL A
NASDAQ:INTR (1/10/2025, 10:29:07 AM)
4.255
+0 (+0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners23.7%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap1.87B
Analysts80
Price Target7.35 (72.74%)
Short Float %3.66%
Short Ratio4.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.73% |
Dividend Growth(5Y)N/A
DP10.53%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.13%
Min EPS beat(2)2.58%
Max EPS beat(2)3.68%
EPS beat(4)4
Avg EPS beat(4)4.78%
Min EPS beat(4)2.58%
Max EPS beat(4)7.72%
EPS beat(8)6
Avg EPS beat(8)5.6%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)1.94%
Min Revenue beat(2)-0.43%
Max Revenue beat(2)4.3%
Revenue beat(4)1
Avg Revenue beat(4)-0.18%
Min Revenue beat(4)-2.71%
Max Revenue beat(4)4.3%
Revenue beat(8)3
Avg Revenue beat(8)-0.56%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-4.26%
PT rev (3m)-3.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.93%
EPS NY rev (1m)-1.82%
EPS NY rev (3m)-1.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.4%
Revenue NY rev (1m)0.57%
Revenue NY rev (3m)1.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.18 | ||
| Fwd PE | 8.01 | ||
| P/S | 1.88 | ||
| P/FCF | 4.37 | ||
| P/OCF | 3.76 | ||
| P/B | 1.31 | ||
| P/tB | 1.63 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.3
EY7.05%
EPS(NY)0.53
Fwd EY12.48%
FCF(TTM)0.97
FCFY22.88%
OCF(TTM)1.13
OCFY26.63%
SpS2.27
BVpS3.24
TBVpS2.61
PEG (NY)0.08
PEG (5Y)0.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.12% | ||
| ROE | 8.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.87% | ||
| GM | N/A | ||
| FCFM | 42.94% |
ROA(3y)0.09%
ROA(5y)0.13%
ROE(3y)0.38%
ROE(5y)0.6%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.09
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.07 | ||
| Debt/FCF | 3.55 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 225.73% | ||
| Cap/Sales | 7.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 333.72% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC11.53%
ROIC/WACCN/A
Cap/Depr(3y)278.34%
Cap/Depr(5y)321.05%
Cap/Sales(3y)8.41%
Cap/Sales(5y)9.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)296.93%
EPS 3Y111.09%
EPS 5Y26.75%
EPS Q2Q%138.94%
EPS Next Y185.02%
EPS Next 2Y108.57%
EPS Next 3Y78.89%
EPS Next 5YN/A
Revenue 1Y (TTM)31.27%
Revenue growth 3Y58.42%
Revenue growth 5Y57.18%
Sales Q2Q%32.45%
Revenue Next Year29.99%
Revenue Next 2Y26.78%
Revenue Next 3Y24.09%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year95.07%
EBIT Next 3Y41.53%
EBIT Next 5YN/A
FCF growth 1Y34.67%
FCF growth 3Y37%
FCF growth 5Y88.4%
OCF growth 1Y32.45%
OCF growth 3Y36.28%
OCF growth 5Y86.33%