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INTER & CO INC - CL A (INTR) Stock Fundamental Analysis

NASDAQ:INTR - Nasdaq - KYG4R20B1074 - Common Stock - Currency: USD

5.21  -0.19 (-3.52%)

After market: 5.16 -0.05 (-0.96%)

Fundamental Rating

4

INTR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 405 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!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

INTR had positive earnings in the past year.
INTR had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: INTR reported negative net income in multiple years.
INTR had a positive operating cash flow in each of the past 5 years.
INTR Yearly Net Income VS EBIT VS OCF VS FCFINTR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

1.2 Ratios

INTR has a Return On Assets of 1.19%. This is in the better half of the industry: INTR outperforms 78.89% of its industry peers.
INTR has a better Return On Equity (10.20%) than 73.87% of its industry peers.
Industry RankSector Rank
ROA 1.19%
ROE 10.2%
ROIC N/A
ROA(3y)0.55%
ROA(5y)0.31%
ROE(3y)4.7%
ROE(5y)2.38%
ROIC(3y)N/A
ROIC(5y)N/A
INTR Yearly ROA, ROE, ROICINTR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 2 -2 4 6 8 10

1.3 Margins

The Profit Margin of INTR (13.86%) is worse than 77.39% of its industry peers.
In the last couple of years the Profit Margin of INTR has grown nicely.
The Operating Margin and Gross Margin are not available for INTR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 13.86%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y30.93%
GM growth 3YN/A
GM growth 5YN/A
INTR Yearly Profit, Operating, Gross MarginsINTR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 5 10

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1

2. Health

2.1 Basic Checks

INTR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for INTR has been increased compared to 1 year ago.
INTR has more shares outstanding than it did 5 years ago.
The debt/assets ratio for INTR has been reduced compared to a year ago.
INTR Yearly Shares OutstandingINTR Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
INTR Yearly Total Debt VS Total AssetsINTR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B

2.2 Solvency

INTR has a debt to FCF ratio of 3.12. This is a good value and a sign of high solvency as INTR would need 3.12 years to pay back of all of its debts.
The Debt to FCF ratio of INTR (3.12) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.14 is on the high side and indicates that INTR has dependencies on debt financing.
The Debt to Equity ratio of INTR (1.14) is worse than 87.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.14
Debt/FCF 3.12
Altman-Z N/A
ROIC/WACCN/A
WACC11.4%
INTR Yearly LT Debt VS Equity VS FCFINTR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
INTR Yearly Current Assets VS Current LiabilitesINTR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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9

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 177.48% over the past year.
The Earnings Per Share has been growing by 76.94% on average over the past years. This is a very strong growth
Looking at the last year, INTR shows a very strong growth in Revenue. The Revenue has grown by 30.30%.
INTR shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 53.46% yearly.
EPS 1Y (TTM)177.48%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%70.27%
Revenue 1Y (TTM)30.3%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%40.49%

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 39.50% 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 23.87% on average per year.
EPS Next Y57.51%
EPS Next 2Y43.01%
EPS Next 3Y39.5%
EPS Next 5YN/A
Revenue Next Year25.64%
Revenue Next 2Y21.54%
Revenue Next 3YN/A
Revenue Next 5Y23.87%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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.
INTR Yearly Revenue VS EstimatesINTR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
INTR Yearly EPS VS EstimatesINTR Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0 1 2 3 4 5

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.47, INTR is valued correctly.
62.81% of the companies in the same industry are cheaper than INTR, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 29.63, INTR is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.11, the valuation of INTR can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of INTR indicates a rather cheap valuation: INTR is cheaper than 80.90% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.68, INTR is valued rather cheaply.
Industry RankSector Rank
PE 14.47
Fwd PE 9.11
INTR Price Earnings VS Forward Price EarningsINTR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

INTR's Price/Free Cash Flow ratio is rather cheap when compared to the industry. INTR is cheaper than 93.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.01
EV/EBITDA N/A
INTR Per share dataINTR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

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 39.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)0.19
EPS Next 2Y43.01%
EPS Next 3Y39.5%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.04%, INTR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.18, INTR is paying slightly less dividend.
INTR's Dividend Yield is comparable with the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 2.04%

5.2 History

INTR is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
INTR Yearly Dividends per shareINTR Yearly Dividends per shareYearly Dividends per share 2024 2025 0.02 0.04 0.06

5.3 Sustainability

INTR pays out 9.05% of its income as dividend. This is a sustainable payout ratio.
DP9.05%
EPS Next 2Y43.01%
EPS Next 3Y39.5%
INTR Yearly Income VS Free CF VS DividendINTR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B
INTR Dividend Payout.INTR Dividend Payout, showing the Payout Ratio.INTR Dividend Payout.PayoutRetained Earnings

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INTER & CO INC - CL A

NASDAQ:INTR (2/21/2025, 8:00:01 PM)

After market: 5.16 -0.05 (-0.96%)

5.21

-0.19 (-3.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06 2025-02-06/bmo
Earnings (Next)N/A N/A
Inst Owners26.5%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.29B
Analysts80
Price Target7.42 (42.42%)
Short Float %3.49%
Short Ratio3.94
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP9.05%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-14 2025-02-14 (0.08)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.3%
Min EPS beat(2)-1.08%
Max EPS beat(2)3.68%
EPS beat(4)3
Avg EPS beat(4)3.23%
Min EPS beat(4)-1.08%
Max EPS beat(4)7.72%
EPS beat(8)5
Avg EPS beat(8)0.91%
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)2
Avg Revenue beat(2)2.49%
Min Revenue beat(2)0.68%
Max Revenue beat(2)4.3%
Revenue beat(4)2
Avg Revenue beat(4)0.46%
Min Revenue beat(4)-2.71%
Max Revenue beat(4)4.3%
Revenue beat(8)3
Avg Revenue beat(8)-0.88%
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)0.47%
PT rev (3m)-4.2%
EPS NQ rev (1m)-2.42%
EPS NQ rev (3m)11.46%
EPS NY rev (1m)0.47%
EPS NY rev (3m)-1.08%
Revenue NQ rev (1m)5.72%
Revenue NQ rev (3m)5.89%
Revenue NY rev (1m)3.62%
Revenue NY rev (3m)4.75%
Valuation
Industry RankSector Rank
PE 14.47
Fwd PE 9.11
P/S 1.99
P/FCF 4.01
P/OCF 3.47
P/B 1.47
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)0.36
EY6.91%
EPS(NY)0.57
Fwd EY10.98%
FCF(TTM)1.3
FCFY24.92%
OCF(TTM)1.5
OCFY28.83%
SpS2.62
BVpS3.55
TBVpS2.82
PEG (NY)0.25
PEG (5Y)0.19
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 10.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.86%
GM N/A
FCFM 49.66%
ROA(3y)0.55%
ROA(5y)0.31%
ROE(3y)4.7%
ROE(5y)2.38%
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 3YN/A
PM growth 5Y30.93%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 1.14
Debt/FCF 3.12
Debt/EBITDA N/A
Cap/Depr 244.06%
Cap/Sales 7.79%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 358.21%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC11.4%
ROIC/WACCN/A
Cap/Depr(3y)195.03%
Cap/Depr(5y)285.97%
Cap/Sales(3y)6.96%
Cap/Sales(5y)9.06%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)177.48%
EPS 3YN/A
EPS 5Y76.94%
EPS Q2Q%70.27%
EPS Next Y57.51%
EPS Next 2Y43.01%
EPS Next 3Y39.5%
EPS Next 5YN/A
Revenue 1Y (TTM)30.3%
Revenue growth 3Y40.28%
Revenue growth 5Y53.46%
Sales Q2Q%40.49%
Revenue Next Year25.64%
Revenue Next 2Y21.54%
Revenue Next 3YN/A
Revenue Next 5Y23.87%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-47.93%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-55.3%
FCF growth 3YN/A
FCF growth 5Y35.24%
OCF growth 1Y-50.17%
OCF growth 3Y244.93%
OCF growth 5Y36.56%