Inter & Co Achieves Record Client Growth in 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4 days ago
0mins
Should l Buy INTR?
Source: seekingalpha
- Record Client Growth: Inter & Co added a record 4.4 million active clients in 2025, bringing the total to 25 million, demonstrating the company's strong market appeal and rapid expansion of its customer base, which further solidifies its leadership position in Brazil's fintech sector.
- Credit Portfolio Expansion: The company's credit portfolio grew by 36% year-over-year, more than three times the growth rate of the Brazilian market, indicating Inter & Co's competitive strength and significant increase in market share, which will help drive future revenue growth.
- Profitability Improvement: The net interest margin (NIM) and risk-adjusted NIM reached record highs, increasing from 8.7% in Q4 2024 to 9.6%, reflecting the company's exceptional performance in risk management and profitability, thereby boosting investor confidence.
- Sustainable Profitability: The annualized return on equity (ROE) surpassed 15%, indicating the company's focus on disciplined execution and sustainable profitability, suggesting stable growth and investment returns in the future.
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Analyst Views on INTR
Wall Street analysts forecast INTR stock price to rise
3 Analyst Rating
2 Buy
1 Hold
0 Sell
Moderate Buy
Current: 9.030
Low
10.00
Averages
10.50
High
11.00
Current: 9.030
Low
10.00
Averages
10.50
High
11.00
About INTR
Inter & Co Inc is a Brazil-based company that developed a global payments platform combining a fully digital backbone with integration with other payments platforms. The Company's objective is to operate as a digital multi-service bank for individuals and companies, and among its main activities are real estate loans, payroll credit, credit for companies, rural loans, credit card operations, checking account, investments, insurance services, as well as a marketplace of non-financial services provided by means of its subsidiaries. The Company helps their customers to manage their money, providing a complete digital checking account where the Group can deliver a broad range of financial solutions through the Super App. Through the Super App, Inter & Co Inc's clients can shop on-line in a high variety of stores, as well as purchase, for example a plane ticket and book hotels.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Analysis of Emerging South American Company Inter & Co
- Company Overview: Inter & Co (NASDAQ:INTR) is an emerging company from South America focused on fintech, aiming to enhance customer experience through innovative services and drive business growth.
- Market Comparison: The video compares Inter & Co with Nu Holdings, highlighting differences in market positioning and customer base, showcasing Inter & Co's potential in the competitive landscape.
- Latest Developments: The video also mentions recent news about CoreWeave, although details are sparse, it suggests advancements in technological innovation that could impact the industry.
- Viewing Recommendation: Viewers are encouraged to watch the video for more insights and consider subscribing for future updates, indicating the content creator's emphasis on audience engagement.
See More
Investment Analysis of Inter & Co and Comparisons
- Company Overview: Inter & Co (NASDAQ:INTR) is an emerging company from South America that, despite not receiving high recommendations from analysts, has attracted investor interest due to its potential.
- Competitor Comparison: Compared to Nu Holdings, Inter & Co shows differences in market performance and investment appeal, with the latter receiving stronger market confidence reflected in analyst recommendations.
- Investment Advice: Although Inter & Co did not make it onto the Motley Fool Stock Advisor's list of the top 10 stocks, the stocks on that list have historically performed well, prompting investors to carefully assess its investment value.
- Market Performance Review: As of January 26, 2026, Motley Fool Stock Advisor's average return was 920%, significantly outperforming the S&P 500's 196%, highlighting the importance of selecting the right investment targets.
See More
Inter & Co Achieves Record Client Growth in 2025
- Record Client Growth: Inter & Co added a record 4.4 million active clients in 2025, bringing the total to 25 million, demonstrating the company's strong market appeal and rapid expansion of its customer base, which further solidifies its leadership position in Brazil's fintech sector.
- Credit Portfolio Expansion: The company's credit portfolio grew by 36% year-over-year, more than three times the growth rate of the Brazilian market, indicating Inter & Co's competitive strength and significant increase in market share, which will help drive future revenue growth.
- Profitability Improvement: The net interest margin (NIM) and risk-adjusted NIM reached record highs, increasing from 8.7% in Q4 2024 to 9.6%, reflecting the company's exceptional performance in risk management and profitability, thereby boosting investor confidence.
- Sustainable Profitability: The annualized return on equity (ROE) surpassed 15%, indicating the company's focus on disciplined execution and sustainable profitability, suggesting stable growth and investment returns in the future.
See More
Inter&Co Reports Strong Q4 2025 Financial Results
- Record Client Growth: In 2025, Inter&Co added a record 4.4 million active clients, bringing the total to 25 million, demonstrating the company's strong appeal and market penetration in the digital banking sector.
- Credit Portfolio Expansion: The credit portfolio grew by 36% year-over-year, more than three times the growth rate of the Brazilian market, indicating effective fulfillment of customer needs through strategic products like Private Payroll Loans, Mortgages, and Credit Cards.
- Improved Net Interest Margins: Net interest margins increased from 8.7% in Q4 2024 to 9.6%, reflecting the robustness of Inter&Co's capital allocation strategy and sustained profitability enhancement.
- Significant Net Income Growth: The company reported a net income of R$1.3 billion (approximately US$250 million), representing a 45% year-over-year increase, with an annualized ROE exceeding 15%, showcasing exceptional execution in sustainable profitability.
See More
Inter & Co to Announce Q4 Earnings on February 11
- Earnings Announcement Schedule: Inter & Co (INTR) is set to announce its Q4 earnings on February 11 before market open, with consensus EPS estimate at $0.16 and revenue at $442.57 million, highlighting investor interest in the company's financial performance.
- EPS Expectation Changes: Over the past three months, EPS estimates have seen no upward revisions and three downward revisions, indicating a weakening confidence among analysts regarding the company's profitability, which may affect investor sentiment about future performance.
- Revenue Expectation Dynamics: In contrast to EPS, revenue estimates have experienced four upward revisions with no downward adjustments during the same period, suggesting increased market confidence in Inter & Co's revenue growth potential, reflecting its business expansion capabilities.
- Brand Strategy Discussion: Inter & Co emphasizes the importance of sustainable growth in its branding strategy, indicating that the company is actively seeking to drive long-term development through innovation and market positioning, thereby enhancing its competitive standing in the fintech sector.
See More
Inter (NASDAQ: INTR) Receives Approval for International Banking Branch in Florida, Expanding Cross-Border Financial Services
- International Expansion Milestone: Inter has received regulatory approval from the Florida Office of Financial Regulation and the Federal Reserve to establish an international banking branch in Miami, marking a significant milestone in its international expansion and expected to significantly enhance its cross-border financial service capabilities.
- Digital Banking Hub: The new branch will serve as a digital-first banking hub, providing faster, more secure, and transparent services, aimed at optimizing its global franchise through a more efficient funding mix and lower servicing costs to enhance user experience.
- Product Diversification: The branch will offer regulated credit and banking products tailored to both U.S. and non-U.S. residents, supporting international businesses operating in the U.S. and further strengthening Inter's competitiveness in the U.S. market.
- Market Leadership: As Brazil's first digital bank, Inter holds a significant position in international remittances and P2P payments, and its expansion into the U.S. is expected to further solidify its standing in the global financial system.
See More
Analysis of Emerging South American Company Inter & Co
- Company Overview: Inter & Co (NASDAQ:INTR) is an emerging company from South America focused on fintech, aiming to enhance customer experience through innovative services and drive business growth.
- Market Comparison: The video compares Inter & Co with Nu Holdings, highlighting differences in market positioning and customer base, showcasing Inter & Co's potential in the competitive landscape.
- Latest Developments: The video also mentions recent news about CoreWeave, although details are sparse, it suggests advancements in technological innovation that could impact the industry.
- Viewing Recommendation: Viewers are encouraged to watch the video for more insights and consider subscribing for future updates, indicating the content creator's emphasis on audience engagement.
See More
Investment Analysis of Inter & Co and Comparisons
- Company Overview: Inter & Co (NASDAQ:INTR) is an emerging company from South America that, despite not receiving high recommendations from analysts, has attracted investor interest due to its potential.
- Competitor Comparison: Compared to Nu Holdings, Inter & Co shows differences in market performance and investment appeal, with the latter receiving stronger market confidence reflected in analyst recommendations.
- Investment Advice: Although Inter & Co did not make it onto the Motley Fool Stock Advisor's list of the top 10 stocks, the stocks on that list have historically performed well, prompting investors to carefully assess its investment value.
- Market Performance Review: As of January 26, 2026, Motley Fool Stock Advisor's average return was 920%, significantly outperforming the S&P 500's 196%, highlighting the importance of selecting the right investment targets.
See More
Inter & Co Achieves Record Client Growth in 2025
- Record Client Growth: Inter & Co added a record 4.4 million active clients in 2025, bringing the total to 25 million, demonstrating the company's strong market appeal and rapid expansion of its customer base, which further solidifies its leadership position in Brazil's fintech sector.
- Credit Portfolio Expansion: The company's credit portfolio grew by 36% year-over-year, more than three times the growth rate of the Brazilian market, indicating Inter & Co's competitive strength and significant increase in market share, which will help drive future revenue growth.
- Profitability Improvement: The net interest margin (NIM) and risk-adjusted NIM reached record highs, increasing from 8.7% in Q4 2024 to 9.6%, reflecting the company's exceptional performance in risk management and profitability, thereby boosting investor confidence.
- Sustainable Profitability: The annualized return on equity (ROE) surpassed 15%, indicating the company's focus on disciplined execution and sustainable profitability, suggesting stable growth and investment returns in the future.
See More
Inter&Co Reports Strong Q4 2025 Financial Results
- Record Client Growth: In 2025, Inter&Co added a record 4.4 million active clients, bringing the total to 25 million, demonstrating the company's strong appeal and market penetration in the digital banking sector.
- Credit Portfolio Expansion: The credit portfolio grew by 36% year-over-year, more than three times the growth rate of the Brazilian market, indicating effective fulfillment of customer needs through strategic products like Private Payroll Loans, Mortgages, and Credit Cards.
- Improved Net Interest Margins: Net interest margins increased from 8.7% in Q4 2024 to 9.6%, reflecting the robustness of Inter&Co's capital allocation strategy and sustained profitability enhancement.
- Significant Net Income Growth: The company reported a net income of R$1.3 billion (approximately US$250 million), representing a 45% year-over-year increase, with an annualized ROE exceeding 15%, showcasing exceptional execution in sustainable profitability.
See More
Inter & Co to Announce Q4 Earnings on February 11
- Earnings Announcement Schedule: Inter & Co (INTR) is set to announce its Q4 earnings on February 11 before market open, with consensus EPS estimate at $0.16 and revenue at $442.57 million, highlighting investor interest in the company's financial performance.
- EPS Expectation Changes: Over the past three months, EPS estimates have seen no upward revisions and three downward revisions, indicating a weakening confidence among analysts regarding the company's profitability, which may affect investor sentiment about future performance.
- Revenue Expectation Dynamics: In contrast to EPS, revenue estimates have experienced four upward revisions with no downward adjustments during the same period, suggesting increased market confidence in Inter & Co's revenue growth potential, reflecting its business expansion capabilities.
- Brand Strategy Discussion: Inter & Co emphasizes the importance of sustainable growth in its branding strategy, indicating that the company is actively seeking to drive long-term development through innovation and market positioning, thereby enhancing its competitive standing in the fintech sector.
See More
Inter (NASDAQ: INTR) Receives Approval for International Banking Branch in Florida, Expanding Cross-Border Financial Services
- International Expansion Milestone: Inter has received regulatory approval from the Florida Office of Financial Regulation and the Federal Reserve to establish an international banking branch in Miami, marking a significant milestone in its international expansion and expected to significantly enhance its cross-border financial service capabilities.
- Digital Banking Hub: The new branch will serve as a digital-first banking hub, providing faster, more secure, and transparent services, aimed at optimizing its global franchise through a more efficient funding mix and lower servicing costs to enhance user experience.
- Product Diversification: The branch will offer regulated credit and banking products tailored to both U.S. and non-U.S. residents, supporting international businesses operating in the U.S. and further strengthening Inter's competitiveness in the U.S. market.
- Market Leadership: As Brazil's first digital bank, Inter holds a significant position in international remittances and P2P payments, and its expansion into the U.S. is expected to further solidify its standing in the global financial system.
See More
