Inter & Co, Inc.
Inter & Co, Inc. Fundamental Analysis
Inter & Co, Inc. (INTR) shows moderate financial fundamentals with a PE ratio of 13.45, profit margin of 9.04%, and ROE of 13.86%. The company generates $14.5B in annual revenue with strong year-over-year growth of 27.12%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze INTR's fundamental strength across five key dimensions:
Efficiency Score
WeakINTR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentINTR trades at attractive valuation levels.
Growth Score
ModerateINTR shows steady but slowing expansion.
Financial Health Score
WeakINTR carries high financial risk with limited liquidity.
Profitability Score
WeakINTR struggles to sustain strong margins.
Key Financial Metrics
Is INTR Expensive or Cheap?
P/E Ratio
INTR trades at 13.45 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, INTR's PEG of 0.06 indicates potential undervaluation.
Price to Book
The market values Inter & Co, Inc. at 1.74 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -0.51 times EBITDA. This is generally considered low.
How Well Does INTR Make Money?
Net Profit Margin
For every $100 in sales, Inter & Co, Inc. keeps $9.04 as profit after all expenses.
Operating Margin
Core operations generate 11.19 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.86 in profit for every $100 of shareholder equity.
ROA
Inter & Co, Inc. generates $1.34 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Inter & Co, Inc. generates strong operating cash flow of $4.27B, reflecting robust business health.
Free Cash Flow
Inter & Co, Inc. generates strong free cash flow of $3.91B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $8.88 in free cash annually.
FCF Yield
INTR converts 22.32% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.45
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.74
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.21
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.92
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.55
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How INTR Stacks Against Its Sector Peers
| Metric | INTR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.45 | 19.09 | Better (Cheaper) |
| ROE | 13.86% | 817.00% | Weak |
| Net Margin | 9.04% | 1851.00% | Weak |
| Debt/Equity | 2.92 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.55 | 670.76 | Weak Liquidity |
| ROA | 1.34% | -24573.00% (disorted) | Weak |
INTR outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Inter & Co, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
6106.03%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
5438.69%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-3682.08%
Industry Style: Value, Dividend, Cyclical
Declining