• EN

    • -+ 0.00%
    -+ 0.00%
    -+ 0.00%

    Assessing Inter & Co (INTR) Valuation After Earnings Beat Dividend Launch And US Bank License Win

    Simply Wall St·02/14/2026 16:30:38
    Listen to the news

    Earnings beat and dividend announcement reshape the Inter & Co (INTR) story

    Inter & Co (INTR) just paired an earnings beat with a new cash dividend, giving investors fresh income details alongside updated profit figures and recent business expansion milestones.

    See our latest analysis for Inter & Co.

    The recent earnings beat and new dividend come after a mixed stretch for the stock, with a 4.4% 30 day share price return but a 5.3% 90 day decline. At the same time, the 1 year total shareholder return of 59.6% and roughly 3x 3 year total shareholder return suggest momentum has built meaningfully over time despite short term pullbacks.

    If Inter & Co’s latest move has you thinking about what else might be out there, this could be a good moment to broaden your search with 23 top founder-led companies.

    With earnings ahead of expectations, fresh dividend income and a 24% gap to one valuation estimate, the real question is whether Inter & Co is still mispriced or if the market is already taking future growth into account.

    Most Popular Narrative: 9.9% Undervalued

    Inter & Co's most followed narrative pegs fair value at $9.69 per share versus the recent $8.73 close, and that gap is built on detailed growth and margin assumptions discounted at 11.65%.

    Expanding cross-sell of high-margin financial products (insurance, investments, credit), aided by hyper-personalization and integrated platform features like My Piggy Bank and My Credit, is lifting per-customer revenues and supporting net margin expansion via greater product adoption and customer lifetime value.

    Strategic growth in new, higher-ROE lending products (for example, private payroll loans, which are expected to scale at 30%+ ROE and high market share) and increased collateralization of the loan book (around 70%) create a path for earnings and NIM growth, while managing portfolio risk through diversified and digitally underwritten lending.

    Read the complete narrative.

    Curious what kind of revenue growth path and margin profile need to line up for that fair value to hold, and which future earnings multiple sits behind it, the full narrative lays out those moving pieces in a way that numbers alone do not.

    Result: Fair Value of $9.69 (UNDERVALUED)

    Have a read of the narrative in full and understand what's behind the forecasts.

    However, this depends on Inter & Co keeping credit risks in check and staying ahead of rising digital banking competition, which could pressure growth and profitability.

    Find out about the key risks to this Inter & Co narrative.

    Build Your Own Inter & Co Narrative

    If you are not on board with this narrative or simply prefer to test the numbers yourself, you can shape your own view in minutes: Do it your way.

    A great starting point for your Inter & Co research is our analysis highlighting 3 key rewards and 2 important warning signs that could impact your investment decision.

    Looking for more investment ideas?

    If Inter & Co has sharpened your thinking, do not stop here. Use this momentum to scan other opportunities before the crowd moves on without you.

    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.