Inter & Co, Inc.

NASDAQ•INTR

CEO: Mr. Joao Vitor Nazareth Menin Teixeira de Souza

セクター: Financial Services

業種: Banks - Regional

上場日: 2022-06-23

Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage businesses. The company's Banking & Spending segment offers banking products and services, including checking accounts, cards, deposits, loans and advances, and other services. It also provides debt collection, foreign exchange, and financial services, as well as global account digital solution. Its investments segments offers acquisition, sale and custody of securities; structure and distributes securities in the capital market; and operated and manages fund portfolios and other assets. The company's Insurance Brokerage segment provides warranties, life, property and automobile insurance, pension, and consortium products. In addition, it offers inter shop and commerce plus services. Inter & Co, Inc. was founded in 1994 and is based in Belo Horizonte, Brazil.

連絡先情報

Avenida Barbacena, 1.219, 22nd Floor, Belo Horizonte, MG, 30190-131, Brazil

55-31-2138-7978

ri.bancointer.com.br

時価総額

$3.57B

PER (TTM)

14.1

14.2

配当利回り

1.4%

52週高値

$10.36

52週安値

$4.86

52週レンジ

59%

順位55Top 80.0%

2.6

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 2.6 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$799.14M+0.00%

直近4四半期の推移

EPS

$0.16+0.00%

直近4四半期の推移

フリーCF

$219.67M+0.00%

直近4四半期の推移

2024 Annual 決算ハイライト

主なハイライト

Profit Surges 176% Profit for the year increased 176.2% to R$972.8 million in 2024, driven by strong revenue growth across all operating segments.

Client Base Reaches 36.1 Million Total client base grew 19% to approximately 36.1 million by year-end 2024, supporting robust organic acquisition and platform engagement.

Asset Quality Improves Prudently Cost of Risk decreased to 5.0% in 2024 (from 5.5% in 2023); NPL > 90 days fell to 4.2%, while coverage ratio stood at 136%.

NIM Expansion and Funding Cost Net Interest Margin (NIM) expanded to 7.8% in 2024, benefiting from a lower Cost of Funding which decreased to 6.7%.

リスク要因

Internal Control Material Weakness Material weakness identified in General IT Controls (GITC); auditor issued an adverse opinion on internal control over financial reporting effectiveness.

Capital Adequacy Ratio Decline Capital Adequacy Ratio dropped significantly to 15.2% in 2024 from 23.0% in 2023, primarily due to loan portfolio growth and acquisitions.

Rising Credit Impairment Losses Impairment losses increased 16.7% to R$1.8B, reflecting loan portfolio growth and increased defaults due to challenging Brazilian macro environment.

Intense Digital Banking Competition The neobank sector in Brazil is highly competitive, posing a risk to maintaining market position against larger, better-resourced incumbent financial institutions.

見通し

Continued International Expansion Plan to expand offerings globally, focusing on the US market through Inter&Co Payments and developing presence in the Latin American region.

Investment in Digital Platform Significant capital expenditure planned for Inter Shop growth, enhancing super app UX, and launching new products across all seven business verticals.

Technology Modernization Focus Commitment to continuous investment in the modular, cloud-based tech stack to maintain agility, security, and scalability for future growth.

Adapting to New Regulations Preparing for new accounting criteria effective January 1, 2025, though management does not expect material impact on current capital adequacy ratios.

同業比較

売上高 (TTM)

MTB

$12.31B

-8.2%

WBS

$4.42B

+5.8%

SNV

$3.33B

-0.6%

粗利益率 (最新四半期)

BANF

100.0%

+29.6pp

SNV

96.5%

+38.9pp

IBOC

78.6%

+3.1pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
MTB	$30.76B	11.5	9.9%	6.1%
WBS	$11.04B	10.9	10.7%	5.1%
CADE	$7.85B	14.7	9.1%	4.1%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

15.9%

高成長

4四半期純利益CAGR

13.0%

収益性の着実な向上

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年5月11日

EPS:$0.17

売上高:$489.75M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし